Uber provides insurance coverage for drivers in San Antonio, but the level of protection depends on your driving status within the app. Coverage changes when the app is off, when you are waiting for a ride request, and when you are actively transporting a passenger.
For a full overview of rideshare insurance in the city, see San Antonio Rideshare Insurance for Uber & Lyft Drivers. Drivers in other Texas rideshare markets may also want to review our guides for Houston, Dallas, and Austin.
Uber Insurance Periods Explained
App Off
When the Uber app is off, your personal auto insurance policy applies. Texas minimum liability insurance requirements must still be met.
Period 1 – Waiting for a Ride Request
When the Uber app is on and you are waiting for a ride request, Uber provides limited liability coverage. Many drivers add rideshare endorsements to ensure protection during this period.
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability
Periods 2 & 3 – Ride Accepted or Passenger Onboard
Once a ride request is accepted and while a passenger is in the vehicle, Uber provides up to $1 million in third-party liability coverage. Contingent collision and comprehensive coverage may also apply if those coverages exist on your personal policy.
Common Coverage Gaps for San Antonio Uber Drivers
- Personal insurance exclusions during rideshare activity
- Limited protection while waiting for ride requests
- Higher deductibles under Uber’s vehicle damage coverage
Next Steps
Next, review Lyft Insurance Coverage in San Antonio and compare pricing in Rideshare Insurance Cost in San Antonio.