Auto Insurance for (Cost & Requirements)

Auto insurance for is required for drivers. doesn't employ or insure its drivers, so it's your responsibility to have the right coverage. You'll need both personal and commercial coverage (or a delivery driver add-on like GEICO delivery insurance) to be protected. Delivery driver insurance costs can be expensive. To find affordable auto insurance for, you should compare rates from at least three companies before buying coverage.

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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 ...

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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
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UPDATED: Aug 31, 2021

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A Concise Overview

  • delivery drivers are contracted by rather than employed by the company
  • While out on delivery for, drivers use their personal vehicles (rather than a company vehicle)
  • does not insure delivery drivers, so you’ll need to buy your own coverage
  • Delivery drivers should buy both personal and commercial auto insurance for does not employ delivery drivers. Instead, qualified drivers can apply to be affiliated with the company. Once their affiliation has been approved, drivers can pick up and deliver items from any business.

So what requirements and auto insurance coverages are necessary to be an affiliated driver?

What are the average auto insurance rates for delivery drivers? What is the best auto insurance for company? Can you buy GEICO delivery insurance?

Read this auto insurance overview to learn everything you need to know to be protected as an affiliated delivery driver.

If you’re ready to shop for affordable auto insurance for, take a moment to use your ZIP code in the tool on this page to get your first free quote today.

What kind of auto insurance do you need as a delivery driver?

To be a affiliated driver, you’ll be required to provide proof of valid insurance, but the company doesn’t specify what coverage you need. As long as you have enough personal coverage to drive legally on the road, you’ll meet this requirement.

However, a personal policy isn’t enough coverage because most personal policies don’t include business use of your vehicle (and some specifically exclude it in the terms of the policy).

To be protected while you’re delivering, you’ll need food delivery auto insurance. The most common way to get this coverage is to buy a commercial auto insurance policy in addition to your personal coverage.

Keep reading for more on average rates for delivery driver car insurance and where you can buy coverage.

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How much are auto insurance rates? car insurance costs can be quite high; on average, you’ll see an increase of $150 per month in your rates when you add commercial coverage to your policy.

We know this may be cost-prohibitive, especially since the average driver pay rate averages around $15 per hour, so we’ve got some tips for saving on your rates.

Rather than buying a full commercial policy, you can ask about the delivery driver add-ons offered by some companies. This will provide coverage for you while you’re out on delivery and is a cheaper option than a full commercial policy.

Auto insurance companies that sell delivery driver add-ons include:

  • Crump Property & Casualty
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

Our top suggestion for saving money is to shop around. Compare at least three auto insurance quotes for delivery drivers before deciding on your coverage. This will ensure you’re getting the best deal for the coverage mix you need.

Why should I buy auto insurance?

Now that you know both the requirements and costs for delivery driver insurance, why should you care?

Crosley Law reports that delivery drivers fall into the occupation category with the most serious accident and vehicle fatality rates in the nation, so your chances of being in some kind of accident are higher than the average driver.

As a result, it’s essential that you have the right coverage to ensure you’re financially protected. delivery drivers are affiliated, rather than employed by, the company, and delivery drivers will need to buy their own insurance coverage. A personal policy won’t provide enough coverage to protect you while you’re delivering. You’ll also need food delivery auto insurance coverage like a commercial policy or a food delivery add-on.

The best way to shop for and buy auto insurance for is to comparison shop. Enter your ZIP code in our rate tool to get a free quote right now.

Frequently Asked Questions: Auto Insurance for

If you’re still looking for information on car insurance for delivery drivers, take a few moments to read through these frequently asked questions.

#1 – What kind of coverage do you need if you’re delivering in a company-owned vehicle?

If you’re using a company vehicle to make deliveries, your employer probably has some form of business liability coverage that will cover the cost of injuries and damages if you’re in an accident while working.

However, this liability coverage may only apply to other drivers, especially if you’re at fault for the incident.

The best approach is to find out exactly what your employer’s insurance covers compared to your personal policy. Work with your insurance company to determine if you need to buy additional coverage to ensure you’re protected, even in the company vehicle.

#2 – What kind of commercial auto insurance do you need as a small business owner?

If you’re a small business owner with delivery drivers who use their own vehicles to deliver your products, you’ll need a business owner’s policy.

It’s wise to include non-owner auto insurance in your business policy, as it protects you and your business if your employee is in an at-fault accident while out on delivery and the injured driver(s) pursue filing claims against you as the business owner.

You should work with your insurance company to determine the best business coverage mix based on your unique needs.

#3 – Do you need to buy delivery driver auto insurance if your employer insures you?

It depends. Companies like Amazon Flex offer commercial coverage to delivery drivers, but you’ll need to make sure you understand what your employer’s insurance policy includes.

If there is a gap between what is covered by your personal policy and what is included in your employer’s policy, you should consider buying additional coverage to ensure you’re fully protected.

#4 – What other requirements do you need to meet?

In addition to proof of valid insurance, you’ll need access to a reliable vehicle, a valid driver’s license, and a smartphone that can support the delivery app(s) to be an affiliated driver for

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