Rideshare car insurance

Compare car insurance for rideshare drivers

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Product FCI	Roadside assistance	Accidental damage	Agreed or market value	Amount of hours you can drive for a rideshare service:
Promoted Youi Comprehensive Finder Award			Agreed or Market	Not mentioned	Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.	Get QuoteView details Compare	loading Fetching your data...
QBE Comprehensive Green Company			Agreed or Market	32 hours	Summary: Finder's best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years. ⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply. Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).	Get QuoteView details Compare	loading Fetching your data...
Kogan Comprehensive			Agreed or Market	32 hours	Summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you’ll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online. ⭐ Current offer: Get $100 OFF for Kogan FIRST Members when you purchase Kogan Comprehensive Car Insurance online + $10 monthly kogan.com credit. T&Cs apply. Who it might be good for: Kogan shoppers and those after a good range of policy options.	View details Compare	loading Fetching your data...

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Rideshare insurance pricing

We got quotes from a few popular car insurers to see what a quote for a rideshare driver could look like. Keep in mind, the below costs are only for the driver profile we used and your own costs will differ based on your age, car, suburb and driving experience.

• How we got these costs

  To get these quotes, we used the following details:

  • 35yr old male
  • Sydney based postcode
  • Drives a 2019 Toyota Corolla
  • Drives up to 15 hours for a rideshare service

  These quotes were sourced in November 2024.

Finder survey: Do Australians find it hard to get car insurance that covers rideshare drivers?

Why is rideshare car insurance important for rideshare drivers?

If you haven't told your insurer that you're an Uber driver or other rideshare driver, it may refuse to cover you for any accidents that occur while you're working.

Many insurers still don't cover ridesharing. For example, popular insurers such as Budget Direct, Qantas, Coles and Huddle do not cover your car at any time for ridesharing. Others, such as ANZ, will only cover you if you drive less than 32 hours per week.

All of the main rideshare services in Australia (Uber, DiDi, Ola) require you to have compulsory third party insurance (CTP) and third party property insurance. We've outlined more about specific requirements below.

Rideshare car insurance requirements for different services

Rideshare platforms typically offer some kind of liability cover, but in most cases, you'll need to take out your own individual car insurance policy too. Here are the insurance requirements of each rideshare company in Australia.

• Uber
• Ola
• DiDi
• GoCatch
• Shebah
• Rydo

How do I find the right rideshare car insurance cover?

Watch out for a cap on hours you can drive

A small number of rideshare insurance policies will only cover you if you drive less than a specified amount per week, often around 32 hours (we've outlined these in the table above). If you're ridesharing for more than that, opt for a provider with no limit.

Decide what level of cover you want

You are required by most rideshare services to have CTP and third party property insurance. This doesn't cover you for damage to your own car though; if you want cover for that, you should get a comprehensive car insurance policy.

Decide what you want covered

All comprehensive rideshare insurance policies should cover you for damage to your own car (usually up to the market value), other people's cars and property, floods, hail, fires and storms. However, features such as a hire car after an accident and windscreen cover, are sometimes optional. (Good to know: you won't be covered for ridesharing a hire car with most insurers but you can still use the vehicle for personal use).

Compare quotes

It's simple to apply for car insurance quotes online, so get multiple policies for a better idea of how much rideshare car insurance costs.

Don't just assume that your car insurance will cover you for ridesharing – lots don't. You will need to contact them and let them know. Fortunately, there are a handful that do. It's worth getting a quote from each of them to see who is cheapest.

Gary Ross Hunter
Insurance editor

Moving across to an insurer that offers rideshare cover isn't hard. The switching process is simple once you've found a replacement policy that meets your rideshare needs. I reviewed more than a dozen policies – most insurers charge no more than $40 in cancellation fees.

James Martin
Editor for Insurance

If you’re unsure if your insurer offers coverage for ridesharing, it’s always best to check. It’s usually pretty straightforward; you can give them a call, go online and ask their live chat or just use “command+f” to search the PDS for “rideshare”. If it’s still not made clear, it could mean you won’t be covered and it’s time to start looking elsewhere.

Peta Taylor
Associate publisher

What does rideshare car insurance cover if I have an accident?

CTP insurance can provide cover for death or injury to a third party.

A third party property damage policy can cover damage to another driver's vehicle or property.

If you have a comprehensive rideshare car insurance policy in place, you'll also be covered for damage to your own vehicle (as well as others).

Why you can trust Finder's car insurance experts

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Frequently asked questions

• Do I need rideshare car insurance?

  If you drive for Uber, Lyft or another ridesharing service then yes, you will need rideshare car insurance. An ordinary car insurance policy only covers private use of your vehicle and doesn't cover you if you use your car to carry passengers for profit.

• How do I apply for rideshare cover?

  The exact process varies between insurers, but you'll typically be able to select the ridesharing option during the application process when asked if you use your car for business purposes.

• Do I need business car insurance for Uber?

  You don't need a special business car insurance policy to drive for Uber. You simply need to select that you will use your car for business purposes when you take out car insurance. Insurers will ask you this during the application process.

• Do I have to tell my car insurance I drive for a rideshare service?

  Yes, if you drive for Uber or any other rideshare company, you'll need to tell your car insurance provider. If you don't, your car insurance policy might be void and any claims you make will be denied. Many insurers automatically exclude transporting passengers for money with a personal car insurance policy unless you let them know.

• What are Uber's insurance requirements in Australia?

  At a minimum, Uber requires drivers in Australia to have compulsory third party insurance (CTP) and third party property damage insurance (TPPD).

• Can I claim my rideshare car insurance on tax?

  Yes, you should be able to claim tax deductions on your car insurance. However, you can only deduct the percentage proportional to how much you used the vehicle for work (e.g. business use). Keep a logbook of how much you worked to make calculating this easier. There are other business expenses you can claim, such as the following:

  • Fuel expenses
  • Your rideshare platform's fees
  • Car registration
  • Repair and maintenance costs
  • Cleaning costs
  • Parking fees

  • Depreciation on your car's purchase price if you are the owner of the car
  • Rental fees if you lease or rent the car
  • Tolls that were not covered by your rideshare platform
  • Mobile and internet expenses if you use your phone for ridesharing

  Make sure you keep receipts and bank records related to these expenses so that you can claim a percentage of them come tax time.

• How much does the rideshare extension cost?

  The cost of this policy addition will depend on how frequently you rideshare as well as where you live, the type of car and your driving history.

• How are Uber passengers covered?

  Your CTP insurance covers medical and liability costs sustained by passengers in vehicle accidents while you're driving. Uber's insurance policy can also cover passenger medical and liability costs where your own insurance won't. You will need to pay the excess that applies to this cover.

• Does rideshare car insurance also cover me for the private use of my vehicle?

  Yes. A rideshare car insurance policy typically also covers you for the private use of your car.

• Does your insurance go up if you become an Uber driver?

  Yes, driving for Uber or any other rideshare company will likely increase your car insurance costs. There are more risks involved so your premiums are likely to increase. These risks can include potential legal fees if you're involved in a crash or a passenger opening the door and causing an accident. You're also using the car more often, so there's a greater chance of an accident occurring. You might pay a higher premium, but if something happens, you'll be covered.

To make sure you get accurate and helpful information, this guide has been edited by James Martin as part of our fact-checking process.

Written by

Gary Ross Hunter

Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise

Gary Ross has written 646 Finder guides across topics including:

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