Buy Cheap Auto Insurance for Food Delivery Drivers in 2023
While most companies don't offer food delivery auto insurance, there are available options. Food delivery driver insurance is sometimes offered directly through the delivery companies. Another option for food delivery drivers is to consider a business-use or commercial policy. Keep in mind, auto coverage for food delivery drivers is usually more expensive.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Jun 13, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Jun 13, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
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A Concise Overview
- Most personal policies won’t cover food delivery
- A commercial auto insurance 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 a business owner who has work vans or similar vehicles.
Commercial policies usually include general 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 do 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 Company | Auto Insurance Coverage |
|---|---|
| Amazon Flex | Yes Liability: $1 million Uninsured/Underinsured: $1 million Comprehensive and Collision: $50,000 (if you have your own comprehensive and collision coverage) |
| AmazonFresh | Yes Liability: $1 million Uninsured/Underinsured: $1 million Comprehensive and Collision: $50,000 (if you have your own comprehensive and collision coverage) |
| Amazon Prime Now | Yes Liability: $1 million Uninsured/Underinsured: $1 million Comprehensive and Collision: $50,000 (if you have your own comprehensive and collision coverage) |
| Bitesquad | No |
| BringMeThat | No |
| Caviar | Yes 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.com | No |
| Domino's | No |
| DoorDash | Yes Liability: $1 million (you have to exhaust your own coverage first) |
| EatStreet | No |
| Foodler | No |
| FreshDirect | Yes Drivers use a company truck for deliveries |
| Google Express | Yes Drivers use a company truck for deliveries |
| GrubHub | No |
| Instacart | No |
| Jimmy John's | No |
| Olive Garden | No |
| OrderUp | No |
| Panera | No |
| Papa John's | No |
| Peach | No |
| PeaPod | Yes Drivers use climate control company trucks to deliver groceries |
| Pizza Hut | No |
| Postmates | Yes Liability: $1 million (you have to exhaust your own coverage first) |
| Publix | No Provides delivery through Instacart |
| Round Table Pizza | No |
| Seamless | No |
| Shipt | No |
| UberEATS | Yes Liability: $1 million In between trips: $50,000 per person/accident $100,000 per accident $25,000 for property damage |
| Vons | Yes Drivers use a company car for deliveries |
| WalMart | No |
| Wedgy's | No |
Check with the company you work for to find out what type of coverage they offer. 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 particular food business has partnerships 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 your 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 legal action.
If the company you work for offers auto coverage, that additional protection could kick in to cover liability insurance, but it likely won’t cover any physical damage to your personal car. You’ll need to carry collision coverage on your policy to repair your personal 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:
| State | Insurance required | Minimum liability limits |
|---|---|---|
| Alabama | BI & PD Liab | 25/50/25 |
| Alaska | BI & PD Liab | 50/100/25 |
| Arizona | BI & PD Liab | 15/30/10 |
| Arkansas | BI & PD Liab, PIP | 25/50/25 |
| California | BI & PD Liab | 15/30/5 |
| Colorado | BI & PD Liab | 25/50/15 |
| Connecticut | BI & PD Liab, UM, UIM | 25/50/20 |
| Delaware | BI & PD Liab, PIP | 25/50/10 |
| District of Columbia | BI & PD Liab, UM | 25/50/10 |
| Florida | PD Liab, PIP | 10/20/10 |
| Georgia | BI & PD Liab | 25/50/25 |
| Hawaii | BI & PD Liab, PIP | 20/40/10 |
| Idaho | BI & PD Liab | 25/50/15 |
| Illinois | BI & PD Liab, UM, UIM | 25/50/20 |
| Indiana | BI & PD Liab | 25/50/25 |
| Iowa | BI & PD Liab | 20/40/15 |
| Kansas | BI & PD Liab, PIP | 25/50/25 |
| Kentucky | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| Louisiana | BI & PD Liab | 15/30/25 |
| Maine | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| Maryland | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| Massachusetts | BI & PD Liab, PIP | 20/40/5 |
| Michigan | BI & PD Liab, PIP | 20/40/10 |
| Minnesota | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| Mississippi | BI & PD Liab | 25/50/25 |
| Missouri | BI & PD Liab, UM | 25/50/25 |
| Montana | BI & PD Liab | 25/50/20 |
| Nebraska | BI & PD Liab, UM, UIM | 25/50/25 |
| Nevada | BI & PD Liab | 25/50/20 |
| New Hampshire | FR only | 25/50/25 |
| New Jersey | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| New Mexico | BI & PD Liab | 25/50/10 |
| New York | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| North Carolina | BI & PD Liab, UM, UIM | 30/60/25 |
| North Dakota | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| Ohio | BI & PD Liab | 25/50/25 |
| Oklahoma | BI & PD Liab | 25/50/25 |
| Oregon | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| Pennsylvania | BI & PD Liab, PIP | 15/30/5 |
| Rhode Island | BI & PD Liab | 25/50/25 |
| South Carolina | BI & PD Liab, UM, UIM | 25/50/25 |
| South Dakota | BI & PD Liab, UM, UIM | 25/50/25 |
| Tennessee | BI & PD Liab | 25/50/15 |
| Texas | BI & PD Liab, PIP | 30/60/25 |
| Utah | BI & PD Liab, PIP | 25/65/15 |
| Vermont | BI & PD Liab, UM, UIM | 25/50/10 |
| Virginia | BI & PD Liab, UM, UIM | 25/50/20 |
| Washington | BI & PD Liab | 25/50/10 |
| West Virginia | BI & PD Liab, UM, UIM | 25/50/25 |
| Wisconsin | BI & PD Liab, UM, Medpay | 25/50/10 |
| Wyoming | BI & PD Liab | 25/50/20 |
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 car insurance today, simply input your ZIP code in our comparison tool. We’ll help you get food delivery car insurance quotes from top companies.
References:
Frequently Asked Questions
Why is it important to have auto insurance as a food delivery driver?
Auto insurance is crucial for food delivery drivers as it provides financial protection in case of accidents, damages, or theft while on the job. It also helps fulfill legal requirements and ensures you are covered in the event of liability claims.
What type of insurance do food delivery drivers need?
Food delivery drivers typically need a commercial auto insurance policy that specifically covers the risks associated with their job. Personal auto insurance policies usually exclude coverage for commercial use or food delivery services.
How can food delivery drivers find cheap auto insurance?
To find affordable auto insurance as a food delivery driver, consider the following tips:
- Shop around: Obtain quotes from multiple insurance providers to compare rates.
- Opt for the right coverage: Choose coverage that adequately protects you and your vehicle without unnecessary add-ons.
- Maintain a clean driving record: Safe driving habits can help you qualify for lower premiums.
- Consider higher deductibles: Increasing your deductible can lower your premium, but be sure to choose an amount you can afford in case of a claim.
- Inquire about discounts: Ask insurance providers about available discounts for food delivery drivers, such as low mileage discounts or safety equipment discounts.
Are there specific insurance requirements for food delivery drivers?
Insurance requirements for food delivery drivers may vary depending on your location and the platform you work for. Some food delivery platforms may have their own insurance policies in place, while others may require you to have your own commercial auto insurance coverage. It’s essential to check with your employer or consult with an insurance professional to understand the specific requirements in your situation.
Is personal auto insurance sufficient for food delivery drivers?
Personal auto insurance is generally not sufficient for food delivery drivers. Most personal auto insurance policies exclude coverage for commercial use or delivery services. If you are using your vehicle for food delivery purposes, it’s crucial to have a commercial auto insurance policy that covers the specific risks associated with your job.
What factors can affect the cost of auto insurance for food delivery drivers?
Several factors can influence the cost of auto insurance for food delivery drivers, including:
- Driving record: A clean driving history typically results in lower premiums.
- Vehicle type: The make, model, and year of your vehicle can impact insurance rates.
- Coverage limits: Higher coverage limits generally lead to higher premiums.
- Deductible amount: Opting for a higher deductible can lower your premium but increases your out-of-pocket expenses in case of a claim.
- Annual mileage: Higher mileage may result in higher premiums, so it’s important to accurately estimate your annual mileage as a food delivery driver.
Should food delivery drivers inform their insurance company about their job?
Yes, it’s crucial to inform your insurance company about your job as a food delivery driver. Failure to disclose this information could result in a denied claim or cancellation of your policy. Providing accurate information about your occupation ensures that you have appropriate coverage for your specific needs.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
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.