Food Delivery Auto Insurance for 2021

While most companies don't offer food delivery auto insurance, there are options. Food delivery driver insurance is available directly from some delivery companies. Another option to get car insurance for food delivery drivers is to consider a business-use or commercial policy. Coverage for delivery drivers is often more expensive.

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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 insuranc...

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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
Licensed Agent

UPDATED: Sep 7, 2021

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A Concise Overview

  • Most personal policies won’t cover food delivery
  • A commercial policy will be needed in most cases
  • Some companies offer insurance specifically for delivery drivers

With companies like Postmates and UberEATS on the rise, driving for a food delivery service is a great way to make money these days. However, with more miles being put on your vehicle, it is important to consider what is covered by your auto insurance policy.

If you are looking for food delivery auto insurance, then it is important to compare companies and see which policy works best for your needs. On-demand delivery insurance for food products is something not offered by most insurance companies, however, there are options out there.

One thing you may want to consider is commercial auto insurance, which we discuss in the guide below. There are also insurance companies that allow limited business use for a vehicle if you purchase an additional endorsement on your policy.

All this being said, some food delivery companies do provide insurance policies for their delivery drivers and it is important to consult them beforehand.

In our guide below, we’ve provided important information on how to buy food delivery auto insurance. Read on for help finding the perfect insurance company and policy.

To determine what policy works best for you, it is important to determine your exact needs and wants. Then, enter your ZIP code in our comparison tool to easily compare food delivery auto insurance rates from top companies.

Do you need special insurance to deliver food?

While there are no specific insurance requirements to deliver food, your personal insurance may refuse to cover you if you are involved in an accident while using your car for work. We’ll take a look at the options that are available to food delivery drivers for auto insurance.

Business and Commercial Auto Insurance for Food Delivery Drivers

Some companies offer insurance policies for their delivery drivers while others don’t. In case you aren’t provided a policy, then it is important to obtain a business-use add-on to your personal policy or a commercial auto insurance policy.

With a business use add-on, limited driving for business use is allowed. This type of policy is great for someone who is delivering food part-time with their personal vehicle, however, it may not cover vehicles that are used for full-time food delivery.

You can also look into getting a commercial policy for your vehicle, which will provide coverage for any driving related to your job. Commercial auto insurance is often used by business owners who have work vans or similar vehicles.

Commercial policies usually include liability, property damage, combined single limit, uninsured/underinsured motorist, comprehensive, and collision coverage. However, the types of coverage in commercial policies can differ from company-to-company. Be sure to discuss your needs with each potential company.

Looking into different companies is the best way to find which policy works best for you.

Most companies don’t offer food delivery vehicle insurance, specifically, so you likely won’t have much luck searching for: State Farm food delivery insurance, Progressive food delivery insurance, GEICO food delivery insurance, or Allstate food delivery insurance. Instead, contact your auto insurance company and ask about their policies that cover delivery drivers. There is no specific food delivery auto insurance company.

Can you deliver food under a personal auto insurance policy?

In most cases, an insurance company won’t cover delivery driving under a personal policy. Even though many people use their personal vehicles when driving for a delivery platform, personal auto policies not cover people while that vehicle is being used in a commercial capacity. Another reason that insurance providers don’t cover accidents that take place during the commercial use of your car under your personal auto insurance policy is that increased time driving means there is an increased risk for an accident. As mentioned above, you will need to purchase a business use add-on or commercial policy.

Many larger food delivery companies, like UberEATS, offer insurance policies to their drivers. Be sure to check with your company to see what they offer; this can be a more affordable option for drivers that already have personal auto policies. You may discover that getting your own commercial policy is a better option.

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Delivery Service-Provided Auto Insurance Coverage

Is there free auto insurance for delivery drivers? Some food delivery services do provide liability coverage for their drivers, such as UberEATS and Postmates. This coverage will protect you from liability in an accident on the job. However, you will still need to provide a policy that meets your state’s legal requirements.

Take a look at this table of delivery services and the auto insurance coverage they offer.

Delivery CompanyAuto Insurance Coverage
Amazon FlexYes
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
AmazonFreshYes
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
Amazon Prime NowYes
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
BitesquadNo
BringMeThatNo
CaviarYes
Up to $1 million per accident for medical expenses
$100,000 accidental death benefit and $100,000 survivor's benefits (eligible dependents)
Accidental Disability benefit up to $500 per week
Delivery.comNo
Domino'sNo
DoorDashYes
Liability: $1 million (you have to exhaust your own coverage first)
EatStreetNo
FoodlerNo
FreshDirectYes
Drivers use a company truck for deliveries
Google ExpressYes
Drivers use a company truck for deliveries
GrubHubNo
InstacartNo
Jimmy John'sNo
Olive GardenNo
OrderUpNo
PaneraNo
Papa John'sNo
PeachNo
PeaPodYes
Drivers use climate control company trucks to deliver groceries
Pizza HutNo
PostmatesYes
Liability: $1 million (you have to exhaust your own coverage first)
PublixNo
Provides delivery through Instacart
Round Table PizzaNo
SeamlessNo
ShiptNo
UberEATSYes
Liability: $1 million
In between trips: $50,000 per person/accident
$100,000 per accident
$25,000 for property damage
VonsYes
Drivers use a company car for deliveries
WalMartNo
Wedgy'sNo
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Check with the company you work for to find out what type of coverage they offer to you. During the current COVID-19 pandemic, some states have loosened auto insurance restrictions on delivery drivers. Be sure to check your state’s insurance website for updates.

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What about insurance for pizza delivery drivers?

Pizza delivery insurance is similar in most ways to insurance for other food delivery drivers. A personal auto insurance policy won’t cover delivering pizzas and a commercial policy is worth considering.

Pizza delivery insurance programs are offered through some insurance companies, rather than the pizza companies themselves. For example, there is no such thing as Pizza Hut delivery insurance, however, Progressive offers insurance specifically for pizza drivers. It may be the case that a pazrticular food business has partnership with some insurance providers, helping bring down the cost of commercial insurance; however, you can’t rely on your personal insurance policy while driving for work.

What happens if you have an accident while delivering food?

If you are involved in an auto accident while delivering food and don’t have the right coverage, your insurance company could deny the claim. A personal insurance policy is a contract, and using your car for business purposes without informing the insurance company breaches that contract. It is made very clear that personal auto policies do not cover the business use of your vehicle; even attempting to open a claim could result in the termination of your policy, or even legal action.

If the company you work for offers coverage, that additional protection could kick in to cover liability insurance, but it likely won’t cover any physical damage to your car. You’ll need to carry collision coverage on your policy to repair your car. Make sure you have the right coverage and understand your policy limits.

How do you find the right auto insurance to deliver food?

Whether you are looking for a commercial or a personal auto insurance policy, it’s important to know what auto insurance coverages you need for personal and business use. Every state has certain auto insurance requirements that must be met to drive legally.

While most states require liability coverage, the exact amount of coverage can differ greatly depending on where you live. Check out the chart below to see auto insurance requirements in your state.

Liability Auto Insurance Requirements by State
StateInsurance required Minimum liability limits
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/5
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM25/50/20
DelawareBI & PD Liab, PIP25/50/10
District of ColumbiaBI & PD Liab, UM25/50/10
FloridaPD Liab, PIP10/20/10
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM25/50/20
IndianaBI & PD Liab25/50/25
IowaBI & PD Liab20/40/15
KansasBI & PD Liab, PIP25/50/25
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM, Medpay50/100/25
MarylandBI & PD Liab, PIP, UM, UIM30/60/15
MassachusettsBI & PD Liab, PIP20/40/5
MichiganBI & PD Liab, PIP20/40/10
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10
MississippiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/25
MontanaBI & PD Liab25/50/20
NebraskaBI & PD Liab, UM, UIM25/50/25
NevadaBI & PD Liab25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab25/50/25
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab25/50/25
South CarolinaBI & PD Liab, UM, UIM25/50/25
South DakotaBI & PD Liab, UM, UIM25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25
UtahBI & PD Liab, PIP25/65/15
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab, UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
West VirginiaBI & PD Liab, UM, UIM25/50/25
WisconsinBI & PD Liab, UM, Medpay25/50/10
WyomingBI & PD Liab25/50/20
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As you can see, most states require a policy that includes at least $25,000 bodily injury liability per person and $50,000 bodily injury liability per accident.

Additional types of coverage include uninsured/underinsured motorist, comprehensive, collision, personal injury protection (PIP). All these types of coverage can be beneficial depending on your situation.

To find affordable food delivery auto insurance today, simply input your ZIP code in our comparison tool. We’ll help you get food delivery auto insurance quotes from top companies.

References:

  1. https://content.naic.org/state_web_map.htm

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