Auto Insurance for Amazon Flex Delivery (Cost & Requirements)

Amazon Flex delivery driver auto insurance is crucial for Amazon Flex delivery drivers. Although Amazon provides a commercial auto insurance policy to its drivers, you may still need additional insurance coverage. Since commercial car insurance rates are $216.92/month, it's best to compare all the options for auto insurance for Amazon Flex delivery drivers in your area.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jan 26, 2022

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A Concise Overview

  • Amazon Flex delivery driver auto insurance is provided by Amazon, and drivers are required to have a personal auto insurance policy to drive for Amazon
  • If you’re in an accident while delivering for Amazon without proper coverage, your auto insurance provider may deny your claim
  • Driving for Amazon may cost you extra on your auto insurance policy

Amazon Flex delivery auto insurance is essential for Amazon Flex delivery drivers. As a delivery driver, your present auto insurance policy will likely not provide adequate coverage if you are involved in an accident while delivering.

Fortunately, Amazon provides a commercial auto insurance policy to its drivers (excluding New York drivers) at no cost, but drivers are also required to carry their own valid auto insurance policy.

Scroll down to learn more about auto insurance for Amazon Flex delivery, including Amazon delivery driver insurance requirements and more. It’s better to be safe than sorry when it comes to protecting yourself against damage and liability during an accident. It’s unfortunate that drivers have to prepare against such things, but having all the details straight about commercial coverage versus personal coverage can be incredibly helpful. Not just for you, but for your personal vehicle as well. 

Ready to find out how much delivery driver insurance costs in your area? Enter your ZIP code above to get affordable delivery driver auto insurance quotes in your area.

Is there special Amazon Flex delivery driver auto insurance?

Amazon Flex driver insurance is available to Amazon’s delivery drivers, given they meet the company’s delivery driver requirements.

Some of those requirements include:

  • A vehicle
  • Required auto insurance for your area
  • A smartphone (Android or iPhone)

The Amazon Commercial Auto Insurance Policy only covers the drivers, not passengers or pets.

Since a personal policy does not cover a car used for commercial purposes, commercial auto insurance is often recommended to delivery drivers. Commercial insurance is designed to protect anyone who is using their car for work purposes, including delivery drivers.

A commercial auto insurance policy will be separate from your personal one, which means a separate monthly bill. Separate bills can get expensive depending on the rates of your current provider.

Because Amazon covers its delivery partners with the Amazon Commercial Auto Insurance Policy, purchasing a commercial auto insurance policy may not be necessary. 

If Amazon’s provided policy is not enough to cover you, another option is to purchase a temporary auto insurance policy until you know whether your current policy will cover you or not.

To get the best deal on car insurance for Amazon Flex delivery drivers, make sure you compare quotes from multiple companies in your area before you buy coverage.

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How much are Amazon Flex Delivery auto insurance rates?

Amazon Flex delivery driver auto insurance rates vary depending on the driver as well as the auto insurance company, making average rates challenging to determine.

Check out the following table for an idea of what you may pay for personal and commercial auto insurance rates with Progressive:

Progressive Personal and Commercial Auto Insurance Rates
Type of Food DeliveryProgressive
Personal Insurance (No Delivery)$105.83$635.00$1,270.00
Food Delivery (Just Business)$273.08$1,638.50$3,277.00
Food Delivery (Business/Personal)$296.83$1,781.00$3,562.00
Pizza Delivery (Just Business)$273.08$1,638.50$3,277.00
Pizza Delivery (Business/Personal)$296.83$1,781.00$3,562.00
Catering (Just Business)$216.92$1,301.50$2,603.00
Catering (Business/Personal)$235.08$1,410.50$2,821.00
Food Truck (Just Business)$434.42$2,606.50$5,213.00
Food Truck (Business/Personal)$763.25$4,579.50$9,159.00
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These rates are just averages from one company. You can get commercial auto insurance through almost all auto insurance companies. However, this is only necessary if the Amazon Commercial Auto Insurance Policy does not adequately cover you.

Regardless of which type of auto insurance policy you are shopping for, it is always in your best interest to compare auto insurance rates from multiple companies. This gives you a good idea of what you can expect to pay for auto insurance in your area.

Will my personal insurance cover me as an Amazon Flex delivery driver?

Generally, a personal insurance policy will not cover an Amazon Flex delivery driver in the event of an accident. The main reason for this is that a personal insurance policy is for personal use only.

The moment that you use your vehicle for commercial purposes, such as delivering packages for Amazon, your personal policy ceases to provide any protection.

Without adequate coverage, you may be driving uninsured any time you clock in at your delivery job. Meaning, if you get into an accident, you will be left with all the costs.

An uninsured accident can easily cost thousands. You may be left to pay for repairs to your vehicle, medical bills, and even the expenses of car accident lawyers that you need to employ.

Car accidents are among the largest causes of injuries in the United States. With car crashes so prevalent, it is beneficial to make sure you are fully covered to avoid an expensive mistake. Whatever policy is available, it’s critical to avoid delivering for Amazon or any other service until you have proper coverage. 

How to Buy Amazon Flex Delivery Driver Auto Insurance

Amazon is dissimilar to other companies with delivery services in that it does offer its delivery drivers auto insurance coverage. However, should this provided policy not be enough for you, there are other options out there to supplement your coverage.

To ensure sufficient coverage, Amazon Flex delivery drivers may choose to switch to a commercial auto insurance policy or apply for temporary car insurance.

The best way to save on Amazon Flex delivery driver auto insurance is to reach out to your current provider to see if your personal policy is one of the few that will protect you on the clock. It’s also beneficial to compare affordable Amazon Flex delivery driver auto insurance quotes before you purchase a new policy.

Are you interested in looking at delivery driver auto insurance quotes near you? Enter your ZIP code into our free online tool for instant delivery driver auto insurance rates in your area.

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