Get Affordable DoorDash Auto Insurance Quotes (2023)
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
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
UPDATED: Nov 27, 2022
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 27, 2022
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
- 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 in addition to their delivery driver insurance. 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.
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 liability insurance. 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.
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Do you need auto insurance to drive for DoorDash?
Yes, you do. Auto insurance coverage is mandatory and required in almost every state. To become a Dasher (or driver with DoorDash), you need the following: “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.
Does DoorDash offer or provide health insurance?
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’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.
How to Get 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 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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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 best auto insurance companies increase rates based on how much you drive.
| Companies | Average Annual Rates for a 10 Miles Commute 6,000 Annual Mileage | Average Annual Rates for a 25 Miles Commute 12,000 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 |
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.
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.
Frequently Asked Questions: Auto Insurance For DoorDash
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#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.
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#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 auto 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.
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#7 – Who is DoorDash’s auto 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 auto insurance rules recommend 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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Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
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.