Driving is the rare gig where the central insurance question is not optional extras but whether your existing personal auto policy remains valid while you work. Many personal policies limit or exclude commercial use, and platform-provided coverage varies by period (app off / waiting / en route / on trip). The details matter more here than in any other gig profession.
Educational guide, last reviewed July 30, 2026. Not insurance advice. See the GigCoverCalc methodology for how benchmark ranges are compiled, and consult a licensed insurance professional before making coverage decisions.