TNC & Mobility Insurance Insurance: Average Premiums & Pricing Factors

Uber Black & rideshare drivers

Driving passengers yourself or operating luxury rideshare vehicles? Start with the dedicated Uber Black insurance page and describe your vehicles, platform and operating area.

• Owner-drivers and passenger vehicles
• Uber Black and luxury rideshare operations
• Vehicle, driver and platform requirements

TNC & shared economy businesses

Running an app, passenger fleet, shared mobility service or rental operation? Use the TNC form to explain your business model, vehicle ownership and requested coverage.

• TNC and shared economy platforms
• Fleet, rental and mobility operations
• App periods, contracts and business coverage

Your operation sets the starting point

A single luxury rideshare vehicle and a platform coordinating hundreds of drivers are different risks. The most useful quote starts with a clear description of who owns the vehicles, who hires or contracts with drivers, how trips are arranged and where passengers travel. Include off-app work, rentals and airport service so a proposal can reflect the whole operation.

• Vehicles: VIN, year, make, model, value, ownership and garaging address.
• Drivers: names, licensing details, experience and the vehicles they operate.
• Exposure: operating states, service radius, estimated mileage and passenger or delivery activity.

Turn a price request into a quote-ready submission

Clear information reduces the follow-up needed to understand your business. Bring your current declarations, available loss runs and vehicle and driver schedules. Platform operators should also be ready to explain onboarding and screening, trip records, incident reporting and contractual insurance obligations. These details help your broker identify which markets may consider the risk.

• Business details: legal name, contact information, address and operating states.
• Coverage request: desired limits, deductibles, effective date and platform or contract requirements.
• Insurance history: current carrier, policy details, available loss information and any planned operational changes.

Choose coverage with the full picture in view

Compare proposals using the same vehicles, driver information, limits and deductibles. Review waiting time with an app active, travel to pickup, passenger trips and off-app use separately. Ask how your own policy and any platform-provided insurance work together. A lower premium may reflect a different deductible, covered activity, exclusion or insured entity rather than an equivalent option.

• Confirm covered vehicles, drivers, entities and operating periods.
• Review liability, physical damage and other requested coverage with your broker.
• Compare the total quoted cost, payment terms, fees and conditions before deciding.