Gig and side income

Uber Driver review

Rideshare app where independent drivers take passenger trips on their own schedule. Requirements include licensed driving history, a qualifying vehicle and insurance.

Uber driver review: driver requirements, real hourly income and insurance

Our verdict

Uber Driver is a flexible way to earn if you have a qualifying car, a clean record and the time to drive during busy periods. Pay depends on fares, platform fees, mileage, fuel and wear on your vehicle, so the headline fare is not your take-home. Check the requirements in your city, plan for insurance and taxes, and track your costs from the first trip.

How it works

You apply on Uber's driver page, provide your license, proof of residency and vehicle details, and complete a background check and driving record review. Requirements include a minimum amount of licensed driving experience in the US, which is longer for younger applicants, an eligible four-door vehicle and personal auto insurance that meets state minimums. Once approved, you go online in the app and accept trip requests. Drivers are independent contractors and pay for their own costs.

Pros and cons

Pros

  • Flexible hours that you choose by going online and offline
  • Trip requests show the fare and pickup details before you accept
  • Clear requirements listed on Uber's official driver page
  • Works in many US cities with a steady rider base
  • Option to drive for other rideshare and delivery apps alongside Uber

Cons

  • Platform fees and vehicle costs reduce what you keep from each fare
  • Insurance requirements can be costly and rules vary by state
  • Demand changes by time and location, so slow periods are common
  • As a contractor, you handle taxes, estimated payments and recordkeeping

Who it is for

Uber suits people with a clean driving record, at least one year of licensed US driving experience (three years if under 25), and a vehicle that meets the rules. It is a poor fit if you cannot cover insurance and maintenance costs. For another rideshare option, compare Lyft, and for food or grocery delivery compare DoorDash.

Driver requirements to confirm

Uber's official driver requirements page says applicants need at least one year of licensed driving experience in the US, or three years if they are under 25. Some states also require an in-state license. The vehicle must be an eligible four-door car, and the city may add its own vehicle rules after you sign up. You must carry personal auto insurance that meets state minimums, and you must pass a background check.

Minimum age is set by state and city, so the sign-up process will confirm your eligibility. Read the exact rules for your location before you buy or upgrade a vehicle for this work.

Working out your real hourly income

Fares are only one part of the income picture. Uber's service fee and any other deductions reduce the amount you receive for each trip. Add the cost of fuel, maintenance, tires, depreciation, phone data and insurance, and divide by the hours you actually drive, including time spent driving to a pickup.

Many drivers find that busy periods such as weekend nights are the most profitable. Plan your hours around those windows and track your results for a few weeks. The how much gig apps really pay after costs guide has a method you can use for Uber and similar apps.

Taxes, insurance and safety

Rideshare income is generally self-employment income. You may need to make estimated tax payments and keep records of mileage and expenses. The gig workers and IRS reporting guide explains the forms you may receive and how to keep records.

Check how your personal auto policy treats rideshare use. Many personal policies exclude coverage while you are driving for an app, and platform insurance applies only during specific periods. Confirm your coverage with your insurer before you take your first trip.

Alternatives worth comparing

Lyft is the most common rideshare alternative and can be used in many of the same areas. If you want to combine driving with short tasks, TaskRabbit offers errands and moving help without a passenger-carrying role. For food delivery, DoorDash is a common option.

Frequently asked questions

How long do I need to have a license to drive for Uber?

Uber's requirements page says at least one year of licensed US driving experience, or three years if you are under 25. Requirements can vary by location, so confirm them when you apply.

Do I need special insurance to drive for Uber?

You need personal auto insurance that meets state minimums. Many personal policies exclude rideshare use, so check your coverage before you go online.

Is driving for Uber free to start?

Applying is free, and you should not pay anyone to speed up approval. Vehicle and insurance costs are your own responsibility.

Sources we checked

We are independent. We are not paid to rank any platform and we do not represent any company or government agency we write about.

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