---
title: Life Insurance for Rideshare and delivery drivers
url: https://coverfolk.com/jobs/rideshare-drivers
updated: 2026-10-08
---

# Life insurance for rideshare and delivery drivers

Rideshare and delivery drivers spend all day in traffic. BLS says most injuries for taxi and ride drivers come from traffic crashes.

[Find my coverage gap](/jobs/rideshare-drivers/calculator)

Updated October 8, 20264 sources[Fact checked](/editorial-standards)

**455,700**About 455,700 taxi driver, shuttle driver, and chauffeur jobs, and about 1.1 million light truck driver jobs. BLS does not give a separate count for app drivers. (2025)[Source: BLS OOH: Taxi Drivers, Shuttle Drivers, and Chauffeurs](https://www.bls.gov/ooh/transportation-and-material-moving/taxi-drivers-and-chauffeurs.htm)

[### rideshare and delivery coverage calculator

Your pay, your loans, your work plan. See the gap in 30 seconds.

Open](/jobs/rideshare-drivers/calculator) [### If you die on the job

What workers comp, work plans and Social Security pay, and what they don't.

Open](/jobs/rideshare-drivers/on-the-job-death)

## Why it matters

Ride app drivers usually work as independent contractors. They use their own cars and pay for gas and repairs. That also means no work benefits.

If you drive for apps, no one is buying life insurance for you. A policy you own can protect your family.

* Ride hailing drivers typically work as independent contractors, and about 86 percent of taxi drivers are self employed.
* Light truck drivers have one of the highest injury rates of any job, from lifting and from car crashes.

## What an insurer may ask you

Have these ready. Being honest up front gets you a real price and avoids problems at claim time.

* Your driving record
* Full time or part time driving
* Other jobs you have
* Health, age, and tobacco use

## Common questions

Do ride apps give drivers life insurance?

Drivers usually work as independent contractors, so they do not get employer benefits like a work life plan.

Will driving for an app raise my price?

It may. Insurers look at your job, and some check your driving record.

How much coverage do I need?

Add up your debts, car loan, rent or mortgage, and how many years of pay your family would need.

## Coverage people in this job pick

[**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need)

## Sources

1. [BLS OOH: Taxi Drivers, Shuttle Drivers, and Chauffeurs](https://www.bls.gov/ooh/transportation-and-material-moving/taxi-drivers-and-chauffeurs.htm)
2. [BLS OOH: Delivery Truck Drivers and Driver/Sales Workers](https://www.bls.gov/ooh/transportation-and-material-moving/delivery-truck-drivers-and-driver-sales-workers.htm)
3. [Texas Department of Insurance: Do you need life insurance?](https://www.tdi.texas.gov/tips/life-insurance.html)
4. [NAIC: Accelerated Underwriting](https://content.naic.org/insurance-topics/accelerated-underwriting)

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