Your personal insurance is not a factor, because you are paying it regardless of whether you Uber or not.
However gas is far from your only expense related to this job.
Consider following:
1) Vehicle depreciation.
2) Vehicle maintenance and repairs.
3) Uber related additional vehicle expenses (extra cleaning chemicals, etc, etc).
4) Uber related food and drink expenses (when you are spending that extra cash to buy a snack or even full dinner where if you weren't Ubering, you could be just eating home which is much less expensive). Plus possibly parking expenses for those times you have to park somewhere to have a break to eat, and there is no free parking around.
Add additional risk and stress factor and, therefore it is much more likely for you to get a ticket for breaking traffic rules (mid street U-turns, parking at places where parking is not allowed, standing at places where standing is not allowed, turning where turning is not allowed, etc, etc, etc).
All things considered, my profit is fluctuating around 50% of the total fares I collect when Ubering. Of course, it's on average, but there were lucky days when this factor jumped to 70-80% of the total fares.
