Amazon Flex Delivery Auto Insurance for 2021

Amazon provides Amazon Flex delivery auto insurance to its drivers, but drivers must keep personal auto insurance to qualify. Amazon Flex driver insurance provides $1 million liability and $50,000 coverage for your vehicle, as well as $1 million in uninsured/ underinsured coverage. You must have a personal collision and comprehensive policy to qualify. Learn more.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 20, 2021

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What You Should Know

  • Delivery drivers for AmazonFlex qualify for free commercial delivery driver insurance from Amazon
  • This commercial coverage requires that you have a personal auto insurance policy that includes both collision and comprehensive insurance
  • Amazon Flex delivery auto insurance is commercial insurance that covers $1 million liability and $50,000 coverage for your vehicle, even if you are found at-fault

Are you a delivery driver for Amazon Flex? It’s essential to know your Amazon delivery driver insurance requirements before you end up in a situation where you need it.

Let’s take a look at what type of coverage you need, how much Amazon provides for its drivers, and what the insurance they provide covers. Understanding auto insurance may seem daunting, but we will help you learn just what coverage you need as a delivery driver.

Compare affordable Amazon Flex delivery auto insurance quotes in your area. Enter your ZIP code into our free tool above to get started comparing auto insurance rates.

What is Amazon Flex delivery auto insurance?

Amazon offers Amazon Flex delivery auto insurance rates to its delivery drivers and provides insurance for its drivers while on a delivery, no matter who is at fault.

This coverage is only active when you are on the clock, and it stops as soon as you clock out.

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What does Amazon Flex driver insurance cover?

Amazon offers liability insurance coverage of up to $1 million per accident when the accident is the Amazon delivery driver’s fault. Included is a $1,000 deductible, which covers damage to the delivery driver’s vehicle up to $50,000 even if they are at fault.

Amazon also provides $1 million worth of uninsured/ underinsured motorist coverage, but this is only if the other driver is at fault and doesn’t have any or enough insurance coverage.

The Insurance Information Institute estimates that 13 percent of drivers are uninsured, so this is a significant benefit to have.

What are the requirements to qualify for Amazon’s delivery driver insurance?

Because Amazon provides commercial coverage to its drivers, that helps out with your delivery driver insurance cost, but this doesn’t mean you can get away with basic liability on your car.

To qualify for the extra coverage that Amazon offers, you must keep a personal auto insurance policy on your vehicle that involves comprehensive and collision insurance. That means you can’t just keep the bare minimum liability-only insurance and still qualify.

Do you need to buy Amazon Flex delivery auto insurance?

Professional delivery drivers need more than just a basic personal auto insurance policy. As a delivery driver, you also need commercial car insurance, a separate policy and different auto insurance type.

Here’s the thing, though: Amazon Flex offers commercial coverage for its drivers, but you do have to meet specific Amazon delivery driver insurance requirements first.

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Does Amazon Flex void my personal auto insurance?

When you first get a personal auto policy, the agent will ask you questions such as for what you’ll be using your vehicle. At the time, you may have answered that it was for personal use only, but that changes if you take a job as an Amazon Flex delivery driver.

That’s because you need special insurance coverage to use your car for work.

If you get involved in an accident, your personal policy can be voided, even if you do have commercial coverage through Amazon. Make sure you call your auto insurance company to update them and ask what you need to do to protect your insurance policy from being voided in the event of an accident.

Ensure you’re adequately covered by Amazon Flex delivery auto insurance companies, especially if you need to add collision and comprehensive to your policy. Enter your ZIP code into our free tool below to get started comparing rates from the top insurers.

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