Rideshare and Uber car insurance

How we calculate Comprehensive Car Insurance Finder Scores

Read full methodology

What different scores mean

9+

Excellent

These products offer the best value and outcomes considering various product features and price.

7+

Great

Competitive products within their group.

5+

Standard

But these products still offer reasonable value and have the basics sorted.

0+

Basic

Offering basic cover with limited features or higher pricing.

Compare car insurance for rideshare drivers

5 of 5 results

Finder Score	Roadside assistance	Accidental damage	Agreed or market value	Amount of hours you can drive for a rideshare service:
Promoted 9.2 Excellent Youi Comprehensive Finder Award	9.2 Excellent			Agreed or Market		Summary: A great value policy with exceptional customer service. It also automatically includes roadside assistance with comprehensive policies in its price - a feature that typically costs upwards of $90 per year.	Get Quote View details Compare product selection Compare	loading
Promoted 9 Excellent AAMI Comprehensive Car Insurance	9 Excellent	Optional		Agreed or Market		Discount: Save $50 on a comprehensive car insurance policy with a first year online discount. T&Cs apply.	Summary: AAMI's comprehensive policy includes cover for legal standard modifications and accessories and up to $20 million liability cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available. Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.	Get Quote View details Compare product selection Compare	loading
Promoted 8.1 Great QBE Comprehensive	8.1 Great			Agreed or Market	32	Discount: 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 Quote View details Compare product selection Compare	loading
8.7 Great ROLLiN' Comprehensive	8.7 Great			Agreed		Summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess. Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.	Get Quote View details Compare product selection Compare	loading
8.5 Great ANZ Comprehensive Plus	8.5 Great			Agreed	31	Continue View details Compare product selection Compare	loading

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How we picked these

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 April 2026.

Which insurers cover Uber and rideshare drivers?

Not every car insurer will cover you for ridesharing, so this is the first thing to check. Some cover it as standard once you declare it, some cap how many hours you can drive, and others won't cover it at all.

Insurers that currently offer rideshare cover include Youi, ROLLiN', QBE, AAMI and ANZ, though conditions can apply. ANZ, for example, only covers you if you drive under a set number of hours each week. Some popular insurers won't cover your car for ridesharing at all, including Budget Direct, Qantas, Coles and Huddle. If you're with one of these and you start driving for money, you may not be covered.

The table below shows which insurers cover rideshare and where hour limits apply. Always confirm the details in the product disclosure statement (PDS), as cover and conditions can change.

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 31 hours per week, while QBE covers rideshare driving up to 32 hours per week.

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

How to find the cheapest rideshare insurance

Rideshare cover costs more than a standard personal policy, because you're on the road more and carrying passengers for money. But there are ways to keep the price down.

• Compare insurers that cover rideshare. Since only a handful offer it, get a quote from each and compare. Prices vary a lot, in Finder's sample quotes, annual premiums ranged from around $3,300 to $4,000 for the same driver profile.
• Match your cover to your hours. If you only rideshare part-time, check whether a policy with an hours cap is cheaper, just make sure you stay under the limit.
• Increase your excess. A higher excess usually lowers your premium, as long as you could afford it if you had to claim.
• Look for new-customer discounts. Several insurers offer online sign-up discounts, so factor those in when you compare.

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

DiDi

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).

Frequently asked questions

• Do I need rideshare car insurance?

  If you drive for Uber, DiDi 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.

• What are the minimum insurance requirements for Uber drivers in Australia?

  Uber drivers in Australia must have compulsory third party (CTP) insurance for their state or territory of residence and a minimum of third party property damage insurance, with the driver listed as a policyholder or named insured driver.

• What happens if I don't tell my insurer I drive for a rideshare service?

  If you do not inform your insurer that you use your vehicle for rideshare services, your car insurance policy might be void and any claims you make could be denied. Many personal car insurance policies automatically exclude transporting passengers for payment.

• Does rideshare insurance cover me when I am not actively driving for a rideshare app?

  Yes, a comprehensive rideshare insurance policy typically covers you for both ridesharing activities and personal use of your vehicle. Some providers, such as Suncorp, specifically mention 24/7 coverage.

• Are my passengers covered by rideshare insurance if there is an accident?

  Yes, your Compulsory Third Party (CTP) insurance generally covers compensation claims if you cause injury or death to your passengers in a car accident. Some rideshare policies may also offer additional personal accident benefits.

• What is CTP insurance and why is it mandatory for rideshare drivers?

  CTP (Compulsory Third Party) insurance is mandatory across Australia and protects drivers against the financial impact of causing injury or death in a motor vehicle accident, including coverage for any passengers. It is a legal requirement for vehicle registration and the minimum insurance requirement for all major rideshare providers.

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

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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Gary Ross has written 529 Finder guides across topics including:

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Ceyda Erem

Senior writer

Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

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