Get Affordable Delivery Driver Auto Insurance Quotes (2024)
Your delivery driver auto insurance needs depends on the company you drive for. For example, DoorDash offers $1 million in commercial auto insurance coverage. Find out what kind of auto insurance to have. If you need more, USAA delivery driver auto insurance and Progressive delivery driver insurance are among the best.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Nov 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You must carry at least your state’s minimum requirement for car insurance coverage in order to drive for most delivery companies
- Some companies — like DoorDash and Amazon (read our “Get Affordable Amazon Fresh Auto Insurance Quotes” for more information) — offer limited commercial coverage for delivery drivers when they are on the job
- In order to have complete protection, you should consider purchasing a full coverage auto insurance policy
If you are a delivery driver, you may be curious about what’s required when it comes to car insurance. Finding car insurance quotes online for delivery drivers is not difficult, and you have a few different options depending on the nature of your job.
Delivery insurance options will vary based on how much you drive, how often you drive, and whether you work full or part time for your employer. Some companies offer car insurance — like DoorDash auto insurance, for example — while others expect you to find coverage on your own. We’ll help you find affordable delivery driver auto insurance quotes.
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Do you need special insurance for DoorDash and other delivery companies?
DoorDash insurance requirements, and requirements for other delivery companies, may seem elusive. But most delivery companies publish their requirements for auto insurance on their company website and offer every employee a copy as well.
Most delivery companies require drivers to carry their own car insurance coverage. This is because companies often consider delivery drivers as independent contractors who are responsible for their own vehicles.
According to this definition, anyone who wants to deliver for DoorDash, Uber Eats, or another delivery company must carry at least their state’s minimum required coverage. You can also check our review on how to get affordable Uber Eats auto insurance quotes.
However, DoorDash does cover its delivery drivers when they are actually working. According to the company website, DoorDash driver insurance is available to any driver who is on an active delivery.
This commercial auto insurance coverage will provide up to $1,000,000 in property damage and property damage to a third party so long as the driver is in possession of the goods to be delivered at the time of the accident.
Read more:
- Get Affordable DoorDash Auto Insurance Quotes
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Do all delivery companies require you to carry car insurance?
If you are a personal vehicle delivery driver, meaning you drive your own car to make deliveries, you will need to carry a personal insurance policy. Personal car delivery jobs often do not offer car insurance coverage when you are not actively working, so you would not be able to drive to work or drive home legally without personal insurance.
Uber Eats auto insurance requirements, Covet food delivery requirements, and many more examples do not require you to carry any additional car insurance coverage, such as comprehensive or collision. However, if you’re a delivery driver, it is not a bad idea for you to get different quotes for car insurance that include full coverage options.
How much is full coverage for delivery drivers?
To find out how much you will have to pay for car insurance as a delivery driver, obtain quotes from various companies. If you are interested in purchasing more expansive coverage for your personal vehicle when you’re delivering items, a full coverage policy would be your best bet.
The table below shows the average annual full coverage insurance rates in each state in the U.S.
Average Monthly Full Coverage Auto Insurance Rates by State| States | Rates |
|---|---|
| Mississippi | $83 |
| California | $82 |
| Colorado | $82 |
| South Carolina | $81 |
| Arizona | $81 |
| Pennsylvania | $81 |
| Washington | $81 |
| Kentucky | $78 |
| New Mexico | $78 |
| Arkansas | $76 |
| Oregon | $75 |
| Illinois | $74 |
| Minnesota | $73 |
| Hawaii | $73 |
| Utah | $73 |
| Missouri | $73 |
| Tennessee | $73 |
| Alabama | $72 |
| Montana | $72 |
| Kansas | $72 |
| Wyoming | $71 |
| Virginia | $70 |
| Nebraska | $69 |
| New Hampshire | $68 |
| North Carolina | $66 |
| Ohio | $66 |
| North Dakota | $64 |
| South Dakota | $64 |
| Vermont | $64 |
| Indiana | $63 |
| Wisconsin | $61 |
| Maine | $59 |
| Iowa | $59 |
| Idaho | $57 |
| Louisiana | $117 |
| New Jersey | $115 |
| Michigan | $114 |
| New York | $113 |
| District of Columbia | $111 |
| Rhode Island | $109 |
| Florida | $105 |
| Delaware | $103 |
| Connecticut | $96 |
| Massachusetts | $94 |
| Maryland | $93 |
| Texas | $92 |
| Nevada | $92 |
| Georgia | $87 |
| Alaska | $86 |
| West Virginia | $85 |
| Oklahoma | $84 |
Since age affects your auto insurance rates, as well as gender and the type of car you drive, you may find that your rates are different from those listed in the table above. If you want full coverage but you find it’s too expensive, you can shop around to see if other companies offer coverage at a more reasonable price.
You can also speak with your employer to see if they are willing to compensate you for the money you are paying for insurance coverage or if they have insurance options that may apply to you both while you’re working and when you’re driving your personal vehicle for other purposes.
Are there special requirements for rideshare insurance?
Check with your employer to see if you are required to carry special insurance as a rideshare driver. Since you are likely driving your own personal vehicle, you will need to carry liability auto insurance coverage at the very least in order to drive legally.
You may be interested in purchasing a commercial policy for your vehicle to make sure you and your passengers are protected. But some rideshare companies, like Uber and Lyft, cover their drivers with a commercial policy while they are transporting passengers.
The tricky thing about relying on your employer’s insurance is that it will only cover you during certain parts of the trip. For example, you may be covered when you are driving your passenger to his or her destination, but the coverage may end the minute the person steps out of your vehicle.
If you have questions about rideshare insurance requirements, contact your employer.
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What are the best insurance companies for delivery drivers?
Finding the best car insurance as a delivery driver will depend a lot on what you’re looking for. Do you simply want liability coverage? Do you need a full coverage policy? Are you a full-time delivery driver who needs commercial coverage on the job?
As you learn more about what you’re looking for, it will be easier to decide which company carries the policy you need at an affordable price. Some of the most popular car insurance companies for delivery drivers include:
- USAA auto insurance
- Erie auto insurance
- Progressive auto insurance
- Allstate auto insurance
- Nationwide auto insurance
- Liberty Mutual auto insurance
- Travelers auto insurance
As you shop around online to find affordable delivery driver auto insurance quotes, you may discover that one of the companies listed above offers the coverage you need.
For example, Travelers offers rideshare and delivery insurance to drivers in Colorado and Illinois. Read our Travelers auto insurance review to learn more.. But don’t hesitate to compare several quotes before making a final decision on car insurance for delivery drivers.
Frequently Asked Questions
Can I use my personal car insurance for delivery driving?
Yes, you can use your personal car insurance for delivery driving, but it’s important to inform your insurance provider about your job as a delivery driver to ensure you have appropriate coverage.
What happens if I get into an accident while making a delivery?
If you’re involved in an accident while making a delivery, you should report it to your insurance company and provide all the necessary details. They will guide you through the claims process and determine coverage based on your policy.
Are there any discounts available for delivery drivers on car insurance?
Some insurance companies offer discounts specifically for delivery drivers. It’s worth checking with different insurers to see if they provide any discounts or specialized coverage options for your occupation.
Do I need additional coverage if I use my personal vehicle for both personal and delivery purposes?
Depending on your insurance policy, you may need additional coverage if you use your personal vehicle for both personal and delivery purposes. It’s advisable to discuss this with your insurance provider to ensure you have adequate coverage for all scenarios.
Can I switch to a different insurance company if I find a better rate for delivery driver coverage?
Yes, you have the option to switch insurance companies if you find a better rate or coverage for delivery driver insurance. However, it’s important to consider the overall coverage and customer service quality before making a switch.
What should I do if my insurance company denies coverage for a delivery-related accident?
If your insurance company denies coverage for a delivery-related accident, you may want to seek legal advice or consult with an insurance professional to understand your options. They can help you navigate the claims process and potentially resolve any disputes.
Compare over 200 auto insurance companies at once!
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.