Uber charges fees for insurance and "operational costs" on every trip. Spencer Platt/Getty Images Uber's insurance and operational fees are among the biggest costs baked into a fare on the app. A recent study found they can vary a lot between very similar ride-hailing trips. Uber says it collects "overall insurance and operational expenses" instead of determining the cost of individual trips. Uber charges riders a fee for insurance and operations — and it's harder to predict than the price you