Amazon Flex Delivery Auto Insurance

If you deliver for Amazon Flex, you need at least the minimum required car insurance in your state. Read on to learn more about what kind of insurance you should have to make sure you and your car are protected while you're on the job.

UPDATED: Jul 11, 2022Fact Checked

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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: Jul 11, 2022

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A Concise Overview

  • Amazon provides Amazon Flex delivery drivers with commercial auto insurance coverage at no cost
  • Amazon Flex drivers must carry the proper insurance to drive legally in their state
  • A full-coverage policy may offer you the best protection when you’re not actively making deliveries

By now, most people have heard of Amazon and its Prime delivery services. However, the company also offers a way for people in certain cities to deliver packages using their personal vehicles. Amazon Flex is a delivery program utilizing local independent contractors to make deliveries.

You’ll need proper auto insurance coverage when you are delivering for Amazon Flex, but Amazon offers commercial auto insurance coverage to its drivers actively making deliveries.

Does Amazon provide auto insurance for Amazon Flex delivery?

Amazon provides its Amazon Flex drivers with commercial coverage while actively delivering packages, but this auto insurance doesn’t take the place of every driver’s necessary liability car insurance coverage.

Amazon delivery driver requirements state that all drivers must have a minimum of liability coverage. All drivers in the U.S. must purchase liability coverage. However, Amazon provides its independent contractors with additional protection through its commercial auto insurance policy.

Amazon auto insurance coverage for Flex drivers includes:

Amazon also specifies on its website that commercial coverage only covers Amazon drivers, so if you’re driving with a passenger, that person won’t receive any coverage from the policy.

If you work for Amazon Flex but allow someone else to make a Flex delivery, Amazon’s commercial insurance won’t cover that individual, so you’ll have to pay for the damages out of your pocket if an accident occurs.

The company also notes that Amazon car insurance cannot cover Amazon Flex drivers in New York. Instead, these individuals may need additional commercial coverage to meet delivery requirements.

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How much is Amazon Flex car insurance?

Amazon Flex drivers don’t have to pay for additional commercial coverage with the company. Instead, they automatically receive coverage from Amazon’s commercial car insurance policy when driving to pick up or deliver packages.

However, rates for standard car insurance coverage vary based on several factors, including:

  • Age
  • Gender
  • Car make and model
  • Driving history
  • ZIP code
  • Credit history
  • Coverage types

If you only carry liability coverage and have a clean driving record, you can expect to pay a lower amount for your car insurance coverage.

The table below shows the average annual car insurance rates in each state in the U.S. based on coverage type.

Average Annual Auto Insurance Rates by State and Coverage Type
StatesAverage Annual Liability Coverage RatesAverage Annual Collision Coverage RatesAverage Annual Comprehensive Coverage RatesAverage Annual Full Coverage Coverage Rates
North Dakota$282.55$252.21$112.74$741.11
South Dakota$289.04$251.30$110.12$1,206.46
Iowa$293.34$251.46$230.65$819.14
Wyoming$323.38$270.48$222.86$816.71
Maine$333.92$331.72$146.77$1,077.97
Idaho$337.17$284.92$117.98$833.44
Vermont$340.98$278.38$118.31$737.67
Kansas$342.33$255.33$130.15$904.39
Nebraska$349.07$293.78$116.79$1,057.63
North Carolina$357.59$227.44$227.64$737.63
Wisconsin$359.84$209.93$126.34$696.11
Indiana$372.44$207.10$171.58$672.01
Alabama$372.57$299.10$146.28$817.95
Ohio$376.16$298.21$201.56$941.34
Arkansas$381.14$304.87$183.36$869.37
Montana$387.77$223.50$206.24$778.81
New Hampshire$393.24$365.23$123.18$1,353.96
Tennessee$397.73$290.39$135.62$823.74
Missouri$399.41$254.90$199.87$842.54
Virginia$413.12$264.70$129.89$807.71
Illinois$430.54$237.19$115.02$724.65
Mississippi$437.38$259.65$166.34$825.40
Minnesota$439.58$302.96$194.74$935.08
Oklahoma$441.57$212.47$89.66$855.57
Hawaii$458.49$209$110.78$656.95
New Mexico$462.21$358.45$156.66$1,300.09
California$462.95$364.56$99.29$926.79
Utah$471.26$254.41$106.57$832.24
Colorado$477.10$263.36$158.34$898.79
Arizona$488.59$259.31$184.20$932.10
Georgia$490.64$297.75$100.09$856.33
Pennsylvania$495.02$377.06$122.17$1,219.29
South Carolina$497.50$200.10$228.59$717.73
Texas$498.44$340.51$186.70$1,025.64
West Virginia$501.44$319.10$195.04$1,015.57
Kentucky$518.91$391.03$208.59$1,326.78
Alaska$547.34$360.18$141.08$1,048.60
Oregon$553.43$307.31$132.01$934.34
Washington$568.92$250.13$104.11$923.16
Massachusetts$587.75$383.21$147.02$1,252.27
Maryland$599.48$358.68$128.92$1,075.35
District of Columbia$628.09$449.27$230.25$1,307.62
Connecticut$633.95$348.70$126.02$1,108.67
Nevada$647.07$281.70$103.03$777.98
Rhode Island$720.06$247.62$165.38$910.51
Michigan$722.04$214.02$173.04$826.64
Louisiana$727.15$249$96.66$679.56
Delaware$776.50$296.60$113.23$1,186.33
New York$784.98$264.58$123$745.17
Florida$845.05$320.45$153.61$964.70
New Jersey$865.55$267.48$166.89$896.58
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As you can see, a full coverage policy on your vehicle can cost more than double what a liability-only policy would. However, full coverage policies are the best way to protect yourself and your vehicle in virtually every situation.

What kind of auto insurance coverage do I need to drive for Amazon Flex?

The minimum auto insurance required in each state varies, you must at least carry a liability insurance policy if you want to drive in your state.

The table below shows the requirements for liability insurance in each state. The numbers represent car insurance requirements per thousand dollars of bodily injury liability per person, bodily injury liability per accident, and property damage liability.

Minimum Liability Auto Insurance Coverage Requirements by State
StatesInsurance Coverage Required Minimum Liability Limits
AlabamaBodily injury and property damage liability25/50/25
AlaskaBodily injury and property damage liability50/100/25
ArizonaBodily injury and property damage liability15/30/10
ArkansasBodily injury and property damage liability, Personal injury protection (PIP)25/50/25
CaliforniaBodily injury and property damage liability15/30/5
ColoradoBodily injury and property damage liability25/50/15
ConnecticutBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
DelawareBodily injury and property damage liability, Personal injury protection (PIP)25/50/10
Washington, D.C.Bodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/10
FloridaBodily injury and property damage liability, Personal injury protection (PIP)10/20/10
GeorgiaBodily injury and property damage liability25/50/25
HawaiiBodily injury and property damage liability, Personal injury protection (PIP)20/40/10
IdahoBodily injury and property damage liability25/50/15
IllinoisBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
IndianaBodily injury and property damage liability25/50/25
IowaBodily injury and property damage liability20/40/15
KansasBodily injury and property damage liability, Personal injury protection (PIP)25/50/25
KentuckyBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/25
LouisianaBodily injury and property damage liability15/30/25
MaineBodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay)50/100/25
MarylandBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist30/60/15
MassachusettsBodily injury and property damage liability, Personal injury protection (PIP)20/40/5
MichiganBodily injury and property damage liability, Personal injury protection (PIP)20/40/10
MinnesotaBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist30/60/10
MississippiBodily injury and property damage liability25/50/25
MissouriBodily injury and property damage liability, uninsured motorist25/50/25
MontanaBodily injury and property damage liability25/50/20
NebraskaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
NevadaBodily injury and property damage liability25/50/20
New HampshireFinancial responsibility only25/50/25
New JerseyBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist15/30/5
New MexicoBodily injury and property damage liability,25/50/10
New YorkBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/10
North CarolinaBodily injury and property damage liability, uninsured motorist, underinsured motorist30/60/25
North DakotaBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/25
OhioBodily injury and property damage liability25/50/25
OklahomaBodily injury and property damage liability25/50/25
OregonBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/20
PennsylvaniaBodily injury and property damage liability, Personal injury protection (PIP)15/30/5
Rhode IslandBodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
South CarolinaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
South DakotaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
TennesseeBodily injury and property damage liability25/50/15
TexasBodily injury and property damage liability, Personal injury protection (PIP)30/60/25
UtahBodily injury and property damage liability, Personal injury protection (PIP)25/65/15
VermontBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/10
VirginiaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
WashingtonBodily injury and property damage liability25/50/10
West VirginiaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
WisconsinBodily injury and property damage liability, uninsured motorist, medical payments (MedPay)25/50/10
WyomingBodily injury and property damage liability25/50/20
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As you can see, each state’s requirements can be significantly different from another. Some states also require more coverage, like personal injury protection, medical payments, and uninsured or underinsured motorist insurance.

Do Amazon Flex drivers need additional car insurance coverage?

Since Amazon Flex drivers have commercial coverage from Amazon when delivering goods, they’re not required to purchase commercial or business insurance unless they live in New York. 

Since New York Amazon Flex requirements are different, drivers may want to purchase additional commercial coverage on their vehicles.

Amazon Flex drivers in other states should also consider carrying more than a liability-only policy to ensure they have the proper protection in the event of an accident.

Collision coverage helps in an accident, and coverage extends to you and your vehicle even if you’re at fault. In addition, comprehensive coverage is helpful when your car gets damaged by theft, vandalism, inclement weather, or other incidents unrelated to an accident.

Combining collision and comprehensive coverage into a full coverage policy offers protection for virtually every circumstance. Therefore, anyone who drives frequently should consider purchasing a full coverage policy with liability, collision, and comprehensive coverage.

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Will my personal auto insurance cover Amazon Flex delivery?

Many insurance companies will not cover drivers if they drive for business purposes. Because of this, your car insurance policy may not be very beneficial if you’re ever in an accident. Some people who use their cars for business fewer than 20 hours a week purchase a business use add-on for their car insurance.

If you aren’t sure whether your car insurance will cover you if you’re in an accident while working for Flex, contact your insurance provider. Let the company know what you do for work, and ask if you should purchase additional coverage or if it’s necessary to purchase a commercial policy on your vehicle. 

Amazon Flex Auto Insurance: The Bottom Line

While Amazon Flex drivers need car insurance, they aren’t required to purchase commercial coverage. Instead, Amazon’s commercial car insurance policy covers drivers when they’re making deliveries.

If you drive for Amazon Flex, you should consider purchasing more than your state’s minimum liability requirements. Check with your auto insurance provider to learn whether you need to purchase a business add-on or another version of commercial coverage on your vehicle.

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