If you have a job with traditional benefits, costs such as health care and retirement may not be a factor for you. Your Expenses Vary Based On Employment. Someone who wants to make a living wholly self-employed will pay more than someone picking up rides on the side.
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Others have to perform more cosmetic maintenance than they would have done otherwise, and all drivers will see their insurance premiums increase. Finally, many drivers need to upgrade their cars to meet the minimum standards of Uber or Lyft. Few people carry personal liability insurance, even though (like most freelancers in any industry) technically their contract obligates them to repay the company every dime in case of a lawsuit. High volume drivers, for example, will spike their maintenance and repair budget, while urban drivers pay more for parking than rural ones.