Auto Insurance Policies for Delivery Drivers

Finding car insurance for delivery drivers is not difficult, but you will need to know a bit more about what you're looking for before you make any final decisions on coverage. If you drive part-time, you may need a simple liability policy. But it's a good idea to consider full coverage car insurance for delivery drivers as this type of policy offers more protection. Depending on your employer, you may have limited commercial coverage when you're on the job.

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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 Leslie Kasperowicz

UPDATED: May 10, 2022

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What You Should Know

  • 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 — 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.

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.

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 car insurance will cover 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.

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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 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 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.

U. S. Average Annual Full Coverage Auto Insurance Rates by State
StatesAverage Annual Full Coverage Rates
Mississippi$994.05
California$986.75
Colorado$981.64
South Carolina$973.10
Arizona$972.85
Pennsylvania$970.51
Washington$968.80
Kentucky$938.51
New Mexico$937.59
Arkansas$906.34
Oregon$904.83
Illinois$884.56
Minnesota$875.49
Hawaii$873.28
Utah$872.93
Missouri$872.43
Tennessee$871.43
Alabama$868.48
Montana$863.52
Kansas$862.93
Wyoming$847.44
Virginia$842.67
Nebraska$831.02
New Hampshire$818.75
North Carolina$789.09
Ohio$788.56
North Dakota$773.30
South Dakota$766.91
Vermont$764.02
Indiana$755.03
Wisconsin$737.18
Maine$703.82
Iowa$702.46
Idaho$679.89
Louisiana$1,405.36
New Jersey$1,382.79
Michigan$1,364.00
New York$1,360.66
District of Columbia$1,330.73
Rhode Island$1,303.50
Florida$1,257.13
Delaware$1,240.57
Connecticut$1,151.07
Massachusetts$1,129.29
Maryland$1,116.45
Texas$1,109.66
Nevada$1,103.05
Georgia$1,048.40
Alaska$1,027.75
West Virginia$1,025.78
Oklahoma$1,005.32
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Depending on your age, 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 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 compare quotes, you may find that one of the companies listed above offers the coverage you need. But don’t hesitate to compare several quotes before making a final decision on car insurance for delivery drivers.

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