Uber Black Insurance
For Professional Drivers
Drive with confidence knowing your luxury vehicle and livelihood are protected. Our commercial auto insurance is specifically designed for Uber Black, Uber Black SUV, and premium rideshare operators.
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Uber Black Requirements
To drive for Uber Black, you must meet specific vehicle, rating, and documentation requirements. We provide the commercial auto insurance you need to qualify.
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Vehicles
Only specific vehicle makes and models qualify for Uber Black and/or Uber Black SUV trips. The vehicle's model year must be no older than 5 years ago. The vehicle must also have a black exterior and a black leather or vegan leather interior.
Ratings
All drivers using Uber Black must maintain a 4.85 rating or above. Star ratings are based on drivers' most recent 500 rated trips.
Documents
Drivers using Uber Black must be professional drivers with commercial auto insurance (personal auto insurance does not qualify) and have all permits required by their city to operate a commercial livery vehicle in their area.
What is Uber Black Insurance, and Do You Need It?
Uber Black insurance is specialized commercial auto coverage designed for professional drivers using luxury vehicles on the Uber Black platform. Unlike standard rideshare, your personal auto policy does not qualify you to drive for Uber Black—you must carry commercial auto insurance.
Personal auto insurance policies typically exclude coverage for commercial livery operations. This creates a dangerous gap that could leave you personally liable for accidents, vehicle damage, and passenger injuries while working.
Our Uber Black insurance bridges this gap completely. From the moment you turn on the app until the ride is complete, you're fully protected against third-party claims, vehicle damage, and liability—even if you're at fault.
Luxury Vehicles We Insure
We specialize in insuring premium vehicles that meet Uber Black and Uber Black SUV platform requirements. Our policies cover a wide range of luxury and executive transportation vehicles.
Black Sedans
Lincoln Continental, Cadillac CT6, Mercedes S-Class
Luxury SUVs
Cadillac Escalade, Lincoln Navigator, BMW X7
Executive Sedans
BMW 7 Series, Audi A8, Genesis G90
Premium Electric
Tesla Model S, Tesla Model X, Lucid Air
Stretch Limousines
Lincoln MKT Stretch, Cadillac Stretch
Sprinter Vans
Mercedes Sprinter Executive, Luxury Sprinter
High-Value Imports
Bentley, Rolls-Royce, Maybach
Airport Black Cars
Town Cars, Executive Sedans, Chauffeur Vehicles
Insurance Coverages Offered
Protects you and your business if you're at fault in an accident. Covers repair costs to other vehicles, medical expenses for all parties, and legal defense if a lawsuit is filed against you.
Protects your luxury vehicle from damages whether you're at fault or not. Covers collision damage, theft, vandalism, fire, and weather events. Available for owned or leased vehicles with flexible deductible options.
Coverage for vehicles you rent, borrow, or use for business that aren't on your policy. Essential protection for substitute vehicles while your primary vehicle is being serviced.
Why Choose InsureLimos for Uber Black Coverage?
With decades of experience insuring limousines, black cars, and transportation network companies, we understand what it takes to keep you on the road and protected.
TCP Gap Coverage
Full protection from app-on to ride complete, covering gaps in Uber's insurance
Competitive Rates
Affordable pricing tailored for luxury rideshare and livery operators
Fast Quotes
Get quoted within 24 hours with quick policy binding available
Next Day CPUC Filings
CPUC filings submitted next business day once your policy is bound
Next Day DOT Filings
DOT filings processed next business day for interstate operations
Fleet Discounts
Multi-vehicle discounts for operators with 2+ luxury vehicles
Same Day COI
Certificates of Insurance and Auto ID cards issued same day
A-Rated Carriers
Coverage through Philadelphia Insurance, National Interstate, and other top carriers
Frequently Asked Questions
How much does Uber Black insurance cost?
Rates vary based on your location, vehicle type, driving history, and coverage needs. Contact us for a personalized quote tailored to your specific situation. We work with multiple carriers to find you the most competitive rates available.
Does Uber Black insurance qualify as commercial auto insurance?
Yes. Our Uber Black policies are full commercial auto insurance policies that meet all Uber requirements and state regulations. Unlike personal auto with a rideshare endorsement, our policies are specifically designed for professional livery operations.
What vehicles qualify for Uber Black?
Uber Black requires luxury vehicles with black exterior and leather interior, typically no more than 5 years old. Popular qualifying vehicles include Cadillac CT6/Escalade, Lincoln Continental/Navigator, Mercedes S-Class, BMW 7 Series, Audi A8, and Tesla Model S/X.
How quickly can I get my CPUC or DOT filings?
Once your policy is bound, we submit CPUC filings (California) and DOT filings the next business day. Certificates of Insurance and Auto ID cards are issued same day, so you can get on the road quickly.
Can I also drive for Uber Black SUV with this insurance?
Yes! Our TCP insurance covers both Uber Black (sedan) and Uber Black SUV services. Just ensure your vehicle meets the platform requirements for each service tier you want to operate.