---
title: "Driving Insurance Checker"
description: "Find the insurance requirements and coverage gaps for your apps, vehicle and state or province."
canonical: "https://spot.insure/driving-insurance/checker"
page-type: "driving-insurance"
updated-at: "2026-10-26"
page-role: "insurance-research"
research-topic: "rideshare-and-delivery-insurance"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/driving-insurance/checker)

## Agent Guide

**What this page is:** Find the insurance requirements and coverage gaps for your apps, vehicle and state or province.

**Use this page when:** Use for source-backed rideshare and delivery insurance research. For a personalized checklist call check_driving_insurance with the actual jurisdiction, apps and vehicle.

**Limits (do not over-claim):**
- Separates legal minimums, platform-reported cover and unresolved policy questions; it does not establish policy entitlement, service availability or complete municipal licensing compliance.
- Sources have individual scope and review dates. Unknown evidence is not evidence that a policy or law does not exist.

**Provenance:** Official legislation, regulators, public auto insurers and platform documents; AI-assisted source review dated October 26, 2026.

**Related pages:**
- [Driving insurance research](https://spot.insure/driving-insurance) — collection
- [Driving insurance checker](https://spot.insure/driving-insurance/checker) — personalized checklist
- [Editorial policy](https://spot.insure/editorial-policy) — how research claims are sourced
- [Spot developers](https://spot.insure/developers) — API and MCP usage

# Driving Insurance Checker

Choose your region, apps, vehicle, ownership, commercial-driver status and personal comprehensive/collision coverage. The result separates your own insurance requirements, local rules, platform coverage periods and unresolved gaps.

Read-only MCP: connect to https://spot.insure/mcp and call check_driving_insurance. Use jurisdiction codes such as CA-ON or US-CA and platform IDs such as uber, uber-eats, uber-black, lyft, doordash, amazon-flex, instacart, grubhub and skip.

JSON API: POST https://spot.insure/api/driving-insurance. GET returns supported inputs.

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

The website API and MCP use the same deterministic source-backed rules, reviewed 2026-10-26. No account or personal identifying information is required. This is a coverage checklist, not proof that a policy insures the driver.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/driving-insurance/checker.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)