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Driving Insurance Checker

Find the insurance requirements and coverage gaps for your apps, vehicle and state or province. Choose every app you use to see your own insurance requirements, platform coverage and questions to resolve.

Check Your Insurance

Loading the checker…

How the Checker Works

The website and MCP tool use the same source-backed rules. The result separates what your app requires, what the local rule says, what platform insurance covers at each driving stage, and what your insurer must confirm.

Only official platform rules, government legislation, regulators and public auto insurers are used. Coverage amounts are USD in the U.S. and CAD in Canada. Research was checked October 26, 2026; policy terms and local requirements can change.

No account or identifying information is required. The checker does not save your selections. A checklist does not establish platform availability or confirm that an insurer covers your particular vehicle or claim.

Use With an Agent

Connect your MCP client to https://spot.insure/mcp and call check_driving_insurance. The tool is read-only and returns the same requirements, source links, qualifications and trip-stage coverage as this page.

{
  "jurisdiction": "CA-ON",
  "platforms": [
    "uber-eats",
    "doordash"
  ],
  "vehicle": "car",
  "comprehensiveAndCollision": "yes"
}

A JSON integration can send the same object to POST /api/driving-insurance. GET /api/driving-insurance lists supported regions, apps and inputs.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Create your account and submit an insurance request online.

Talk to Spot