Cheap Auto Insurance for DoorDash Drivers in 2024 (Save With These 10 Companies)

Mercury, Progressive, and Erie are the top picks for cheap auto insurance for DoorDash drivers, offering customizable policies and outstanding full coverage auto insurance.

Discover their unique benefits, available discounts, and extensive coverage options to ensure you have the best protection while on the road.

Our Top 10 Company Picks: Cheap Auto Insurance for DoorDash Drivers

DoorDash drivers must maintain personal auto insurance in addition to DoorDash’s commercial policy for full coverage. Comparing quotes from these leading providers will help you find the ideal policy for your needs.

Find the best auto insurance company near you by entering your ZIP code into our free quote tool above.

 

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#1 – Mercury: Top Overall Pick

Pros

• Competitive Pricing: Mercury is known for offering competitive rates, making it an attractive option for budget-conscious drivers seeking affordable auto insurance.
• Customizable Coverage: Allows customers to tailor their coverage to fit their specific needs, providing flexibility in policy management.
• Good for High-Risk Drivers: Often provides coverage options for drivers who might be considered high-risk, which can be beneficial for those who have trouble finding affordable insurance elsewhere.

Cons

• Customer Service Issues: Some customers have reported issues with the customer service, which can affect overall satisfaction, especially during claims.
• Limited Availability: Mercury’s insurance products are not available in all states, which can be a significant limitation for those looking for coverage outside its service areas.

#2 – Progressive: Best for Customizable Policies

Pros

• Wide Coverage Options: Progressive offers a diverse range of coverage options, allowing customers to customize policies to meet specific needs, including unique situations like rideshare coverage.
• Discounts and Savings: Explore our Progressive auto insurance review for insights on discounts and competitive pricing strategies.
• Strong Online Presence: Progressive’s robust online platform and mobile app are user-friendly, enhancing policy management and claims handling experiences.

Cons

• Customer Service Variability: Some customers report variability in service quality, which can affect satisfaction, especially during claims processes.
• Premium Fluctuations: Customers might experience significant premium changes at renewal, which can be unpredictable and challenging for those on a strict budget.

#3 – Erie: Best for Customer Satisfaction

Pros

• Excellent Customer Satisfaction: Erie is frequently recognized for high customer satisfaction rates, particularly in handling claims and customer service.
• Rate Lock Feature: Read our Erie auto insurance review to learn about Erie’s unique rate lock feature.
• Full Replacement Cost: Provides policies that cover the full replacement cost of a vehicle, not just the depreciated value, which is a significant advantage after accidents.

Cons

• Limited Geographic Coverage: Erie’s services are available in only a limited number of states, primarily in the Northeast and North Central U.S., which restricts its availability.
• Higher Premiums for Some: While offering comprehensive coverage and benefits, Erie’s premiums can be higher than average, especially for certain demographics or newer customers.

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#4 – NJM: Best for Dividend Payments

Pros

• High Customer Loyalty: NJM boasts a high customer retention rate, reflecting strong customer satisfaction and loyalty.
• Exclusive Benefits: Offers perks such as “dividend payments” to policyholders, which can return a portion of their premium based on the company’s financial performance.
• Exceptional Claims Service: View our NJM Insurance Group auto insurance review on their efficient claims process.

Cons

• Limited Availability: NJM Insurance is only available to residents of New Jersey and Pennsylvania, which greatly limits its accessibility for drivers in other states.
• No Risk-Taking on High-Risk Profiles: Tends to not offer policies to high-risk drivers, which can be a disadvantage for those with poor driving records seeking coverage.

#5 – American Family: Best for Young Drivers

Pros

• Wide Range of Discounts: Offers a variety of discounts including for safe driving, loyalty, and bundling multiple policies, which can significantly lower premiums.
• Customizable Coverage Options: See our American Family auto insurance review for customizable coverage options.
• Support for Young Drivers: Has beneficial programs for young drivers, such as teen safe driver programs, which help reduce premiums while promoting safe driving habits.

Cons

• Inconsistent Customer Service: Reports from customers indicate that the quality of customer service can vary significantly depending on the region and specific representatives.
• Rate Variability: Some customers have experienced unexpected rate increases, which can complicate budget planning for policyholders.

#6 – State Farm: Best for Comprehensive Offerings

Pros

• Extensive Network of Agents: State Farm has a vast network of local agents providing personalized service, making it easier to manage policies and file claims.
• Robust Financial Stability: Check our State Farm auto insurance review for details on financial reliability and claims payout.
• Wide Range of Products: Offers a comprehensive array of insurance products, which allows customers to bundle various types of insurance for discounts and convenience.

Cons

• Higher Rates for Some Coverage: Some of State Farm’s coverage options can be more expensive compared to other competitors, particularly for drivers with less-than-perfect driving records.
• Limited Discounts in Some States: The availability and magnitude of discounts can vary by state, which may limit savings opportunities for some customers.

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#7 – Allstate: Best for Innovative Tools

Pros

• Innovative Tools and Resources: Allstate offers advanced tools like DriveWise, which monitors driving habits and can provide discounts for safe driving.
• Customizable Policies: Allows extensive customization of policies, letting customers choose coverages that match their specific needs and risk profiles.
• Strong Local Presence: Benefits from a strong network of local agents who provide personalized service and support for auto insurance companies.

Cons

• Higher Premiums: Generally, Allstate’s premiums are higher than some of its competitors, which might not be the most economical choice for budget-conscious drivers.
• Mixed Reviews on Claims Process: Some customers have reported frustrations with the claims process, citing delays and less-than-satisfactory interactions with claims representatives.

#8 – Nationwide: Best for Personalized Reviews

Pros

• On Your Side Review: Offers a unique personal assessment to help policyholders optimize their coverage and potentially lower their costs.
• Wide Variety of Discounts: Provides numerous discounts, including for multi-policy bundling, safe drivers, and loyalty, which can significantly reduce premiums.
• Strong Financial Standing: Learn from our Nationwide auto insurance review about their financial stability.

Cons

• Customer Service Variations: While many customers report positive experiences, some have faced issues with customer service, which can vary by location and agent.
• Policy Cost Variability: Premiums can vary widely depending on individual circumstances, and some customers might find Nationwide’s policies to be more expensive than those offered by other companies.

#9 – Farmers: Best for Educational Resources

Pros

• Customization of Policies: Farmers allows significant customization of policies, giving customers the flexibility to choose what fits best for their needs.
• Educational Resources: Offers a wealth of educational resources to help customers understand their policies and the coverage they are purchasing.
• Strong Agent Network: Visit our Farmers auto insurance review for info on their strong agent network.

Cons

• Higher Cost: Generally, Farmers’ insurance policies are more expensive than some competitors, which can be a barrier for those looking for cost-effective options.
• Complexity of Policy Options: While customization is a benefit, the array of options can sometimes be overwhelming and confusing for customers new to insurance.

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#10 – Liberty Mutual: Best for Global Coverage

Pros

• Tailored Discounts: Offers unique discounts tailored to individual customer profiles, including new vehicle replacement and accident forgiveness.
• Global Presence: Delve into our Liberty Mutual auto insurance review for their global claims handling capabilities.
• Diverse Product Offerings: Provides a wide range of insurance products, allowing customers to bundle different types of coverage for convenience and potential savings.

Cons

• Inconsistent Customer Service: Some customers report inconsistent experiences with customer service, which can impact satisfaction, particularly during the claims process.
• Rate Fluctuations: Some policyholders have experienced unexpected rate fluctuations, which can affect budget planning and overall satisfaction with the service.

DoorDash Auto Insurance Overview

The DoorDash commercial auto insurance policy will have a $1,000,000 liability limit for bodily injury and property damage liability insurance. This policy limit is under DoorDash Occupational Accident Policy, which began on December 1, 2019.

If you’ve been in an accident while delivering a DoorDash product, use DoorDash automobile insurance claim form to report the collision. If you have further questions, you can contact DoorDash support or DoorDash customer service. Auto insurance coverage is mandatory and required in almost every state.

To become a Dasher (or driver with DoorDash), you need a valid domestic driver’s license, insurance, and a clean driving record. If you obtain an insurance policy directly through DoorDash, that commercial policy doesn’t replace legally required liability auto insurance coverage.

DoorDash Driver Auto Insurance Monthly Rates by Coverage Level & Provider

The table highlights the top auto insurance companies for DoorDash drivers, focusing on Mercury, Progressive, and Erie for their comprehensive coverage and customizable policies. Mercury is noted for its overall excellence, Progressive for its policy customization, and Erie for its high customer satisfaction.

Each company offers competitive rates, with additional benefits such as liability insurance, collision coverage, uninsured motorist protection, and specific discounts for low-mileage and safe driving.

DoorDash Health and Accident Insurance Details

Although DoorDash provides inexpensive commercial auto insurance for its drivers, delivery drivers still need their own auto insurance coverage. DoorDash doesn’t offer or provide health insurance.

DoorDash occupational accident insurance will cover medical expenses up to $1,000,000, disability payments of $500 per week, and survivor payments up to $150,000 for those that qualify. Get affordable delivery driver auto insurance quotes to ensure you have the necessary coverage.

The table below highlights top auto insurance providers offering significant discounts for DoorDash drivers. Companies like Mercury, Progressive, and Erie offer comprehensive coverage, including liability insurance, collision coverage, and uninsured motorist protection, along with various discounts like safe driving bonuses and multi-policy discounts.

By leveraging discounts from top auto insurance providers, DoorDash drivers can secure comprehensive coverage at reduced rates. Mercury, Progressive, and Erie provide extensive protection and customizable policies tailored to the needs of delivery drivers, ensuring both savings and peace of mind.

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Impact of DoorDash Deliveries on Auto Insurance Rates

Delivering for DoorDash can increase your car insurance. Since delivery drivers will use their vehicles more frequently, auto insurance companies will offset the risk by raising rates. Here’s an example of how the best auto insurance companies increase rates based on how much you drive.

Full Coverage Auto Insurance Monthly Rates by Annual Mileage & Provider

DoorDash drivers can save the most money if they choose USAA, Geico, or State Farm for car insurance. However, you have to be a member of the U.S. Armed Forces or be in the immediate family of someone in the military to get a policy with USAA.

Your car insurance rates will decrease if you have a clean driving record and a good credit score. When it comes to your credit score and auto insurance quotes, car insurance companies give cheaper rates to consumers with good credit scores because they’re less risky to insure than consumers with poor credit scores.

Introduction to DoorDash and its Delivery Service

Founded in 2013, DoorDash allows drivers to deliver products from local merchants to buyers using the DoorDash app. DoorDash only delivers products from participating partners that sign up for its service.

Drivers can sign up and start delivering after sharing a few personal details about their identity and car insurance. For those new to the field, understanding how auto insurance works is crucial to ensuring you have the appropriate coverage while driving for services like DoorDash.

Obtaining DoorDash Auto Insurance

DoorDash driver auto insurance doesn’t have any individual coverage rates, but your liability car insurance or full coverage car insurance will. DoorDash’s occupational accident insurance won’t be enough. You still need to have your state’s minimum requirements for auto insurance.

According to the Insurance Information Institute, minimum requirements for coverage vary by state. Car insurance companies like Allstate and Progressive auto insurance have special policies for drivers who use DoorDash or GrubHub. You can buy DoorDash auto insurance from most companies.

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Case Studies: Tailored Auto Insurance Solutions for DoorDash Drivers

Explore how auto insurance for DoorDash drivers can provide essential coverage, offering peace of mind and financial security. Through case studies based on real-world scenarios, discover how top insurance providers offer specialized solutions tailored to meet unique requirements.

• Case Study #1 – Comprehensive Coverage: John, a 30-year-old DoorDash driver in California, chose Mercury for its comprehensive auto insurance with high liability limits, collision coverage, and uninsured motorist protection. Mercury offered competitive rates, excellent customer service, and flexible coverage levels, ideal for his dynamic work schedule.
• Case Study #2 – Customizable Policies: Emily, a 25-year-old part-time DoorDash driver in Texas, chose Progressive for its customizable policies, low-mileage discounts, and the Snapshot program rewarding safe driving. Progressive’s user-friendly app and excellent customer service provided the flexibility and support she needed.
• Case Study #3 – Customer Satisfaction: Michael, a 40-year-old DoorDash driver in Pennsylvania, chose Erie for its excellent customer service and high claims satisfaction. Erie provided a comprehensive policy with generous coverage limits, roadside assistance, competitive rates, and personalized service from local agents.

These case studies illustrate how DoorDash drivers can secure auto insurance by leveraging discounts and comparing quotes from top providers, ensuring they make informed decisions to protect their vehicles and financial future.

Each provider offers unique benefits, catering to the diverse needs of drivers across various states.

Essential Auto Insurance Guidance for DoorDash Drivers

DoorDash drivers need liability insurance, emphasizing the need to maintain a personal liability policy alongside DoorDash commercial auto insurance. The commercial policy covers bodily injury and property damage but does not replace state minimum insurance requirements.

Increased driving can affect insurance rates, making it important to compare quotes from different companies. Additionally, the necessary qualifications for becoming a DoorDash driver include valid insurance, and tips for finding suitable auto insurance coverage are provided.

See if you’re getting the best deal on car insurance by entering your ZIP code below.

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