Do Uber Drivers Need Special Car Insurance? 
Uber drivers must be fully insured when operating a vehicle in all states . When you are working for Uber , their auto insurance policy will provide coverage . However , when their app is not in use , your own personal policy is utilized . Regardless of which state you reside , you must meet all of the minimum liability and financial responsibility requirements . Both fault and no-fault states are included . For example , in Ohio , the Buckeye State 's minimum liability requirement is $ 25,000 per person , $ 50,000 per accident , and an additional $ 25,000 of property damage . Typically , financed and leased vehicles must carry collision and comprehensive benefits . Important : Answer was provided by Edward Harris , one of the nation 's leading car insurance brokers with more than 35 years of expert and unbiased experience . His top-rated website , Carinsurancezoom.org provides consumers with free online quotes and the lowest auto insurance rates from top-rated companies . 