DoorDash Auto Insurance

DoorDash auto insurance is a commercial policy that covers up to $1 million in bodily injury and property damage to third parties. The DoorDash auto insurance policy does not replace your state minimum insurance. In addition to the car insurance DoorDash provides, you will still need to carry a liability policy.

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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...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Sep 3, 2020

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What You Should Know

  • DoorDash provides insurance coverage up to one million dollars.
  • DoorDash drivers need to have their own car insurance.
  • Car insurance companies have specialty insurance coverages for delivery drivers and ridesharers.

DoorDash auto insurance is only available to DoorDash delivery drivers. However, their delivery drivers still require a personal auto insurance policy. This short guide will help you with understanding auto insurance when you drive for work, and DoorDash’s auto insurance policy and show you where you can find auto insurance for DoorDash.

Compare car insurance for DoorDash delivery right now by entering your ZIP code in the free comparison tool above.

DoorDash Auto Insurance

Does DoorDash provide auto insurance? Yes, they do. The DoorDash commercial auto insurance policy will have a $1,000,000 liability limit for bodily injury and property damage to a third party. This policy limit is under DoorDash’s Occupational Accident Policy, which began on December 1, 2019.

If you’ve been in an accident while delivering a DoorDash product, use DoorDash’s automobile insurance claim form to report the collision. If you have further questions, you can contact DoorDash support or DoorDash customer service.

Does DoorDash offer or provide health insurance?

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

Find out the cost of car insurance in your local area by entering your ZIP code in the free comparison tool.

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DoorDash Auto insurance Rates

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 insurance have special policies for drivers who use DoorDash or GrubHub. You can buy DoorDash auto insurance from most companies.

Does DoorDash raise 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 top car insurance companies increase rates based on how much you drive.

Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Rates for a
10 Miles Commute
6000 Annual Mileage
Average Annual Rates for a
25 Miles Commute
12000 Annual Mileage
USAA$2,483$2,592
Geico$3,163$3,267
State Farm$3,176$3,344
American Family$3,401$3,485
Nationwide$3,437$3,463
Progressive$4,030$4,041
Farmers$4,179$4,209
Travelers$4,400$4,470
Allstate$4,842$4,934
Liberty Mutual$5,995$6,152
Get Your Rates Quote Now

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. According to the Federal Trade Commission, 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.

What is DoorDash?

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.

The following video further details how the DoorDash app works.

Drivers can sign up and start delivering after sharing a few personal details about their identity and car insurance.

Start comparing DoorDash car insurance rates now by entering your ZIP code below.

Frequent Asked Questions: Auto Insurance For DoorDash

#1 – Does DoorDash affect insurance?

Because you will be on the road more while delivering for DoorDash, your commute mileage, and therefore your rates, will increase

#2 – Can you have a passenger while driving for DoorDash?

Yes. As an independent driver, you’re allowed to have passengers accompany you during deliveries.

#3 – Does DoorDash have auto insurance?

Yes. DoorDash has occupational accident insurance, but it doesn’t replace the minimum requirements for auto insurance.

#4 – Is it worth it to work for DoorDash?

That is ultimately your call. It may take a while to build clientele, but you may also create money-making opportunities for yourself.

#5 – Do I need special insurance to drive for DoorDash?

Most auto insurance companies have a rideshare and delivery policy. Alert your auto insurance company if you do any ridesharing or product deliveries. It is the same for Grubhub insurance or any other food delivery company.

#6 – Does DoorDash verify auto insurance?

Yes. Part of the requirements to receive occupational accident insurance is to be covered by personal vehicle auto insurance.

#7 – Who is DoorDash’s insurance carrier?

DoorDash’s coverage carrier is Atlantic Speciality Insurance Company. DoorDash is not an insurance company.

#8 – Do you need auto insurance for InstaCart?

Yes. Instacart recommends that their delivery drivers carry commercial or business auto insurance.

#9 – How much does DoorDash pay?

DoorDash drivers make about $14 per hour.

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