Uber Driver Auto Insurance: How much does it cost and which one to hire?
Not all auto insurance covers commercial use like Uber. See which policies work, how much they cost, and how to include them in your profit calculation.
The Problem Most Drivers Ignore
Most auto insurance does not cover accidents during app races . If you use conventional insurance and have an accident while taking a run, the insurer may refuse payment.
This is because standard insurance does not cover "commercial use" of the vehicle.
Which insurances work for app drivers?
1. Application-specific insurance
Some insurers offer policies for drivers of Uber, 99 and similar:
Average cost: R$ 200 to R$ 400/month depending on car and city.
2. Business/fleet insurance
For those who formalized as MEI or company, business insurance covers commercial use and usually has a better price per vehicle.
3. Rig insurance program
Uber offers insurance coverage during the ride, but it has important limitations. It does not replace your own insurance for the period between races.
🧮 Calcule seu lucro real de MotoristaCalcular →How much does insurance weigh in profit?
For a driver billing net R$ 3.500 (after commission) per month:
The difference is R$ 280/month — less than 9% of revenue — to sleep peacefully.
How to calculate in monthly cost
Divide the annual insurance amount by 12 and enter in our calculator:
👉 [Include insurance in your profit calculation](/) — “Monthly insurance” field available in the full costs section. See how it impacts your real profit.
