Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Oct 18, 2021

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The Truth in a Nutshell

  • Delivery drivers may need more than personal liability coverage to maintain proper protection
  • Some companies may offer delivery drivers full or partial coverage when they are on the job
  • Your job as a delivery driver is likely to impact your car insurance rates

Food delivery companies like Uber Eats and Door Dash are growing in popularity, and if you work for a company like this, you may be curious about car insurance.

If you work for any business that delivers items — Amazon, Domino’s, Postmates, and much more — it is important to know how you are covered in the event of a car accident.

While car insurance for delivery drivers is not difficult to find, you may notice that delivery driver car insurance rates vary depending on the company and the coverage type.

Ultimately, delivery driver insurance costs can fluctuate a great deal based on a few factors. And car insurance companies that cover delivery drivers will want to know a lot about the nature of your job before offering you coverage.

You may wonder what your liability car insurance covers, or whether your personal comprehensive coverage will apply to your job as a delivery driver.

To find the right answers to your questions, you need to know how much your personal car insurance policy covers, whether the company you work for offers coverage when you’re on the job, and what type of car insurance you’re looking for.

While you hunt for the best delivery driver car insurance company, be sure to enter your ZIP code into our free tool above to compare rates and find the perfect fit.

Is my personal car insurance enough as a delivery driver?

Counting on your personal car insurance policy to cover you in the event of an accident while driving for your job is a tricky scenario.

There are some instances where your car insurance will cover you, and there are likely some times when your car insurance would not help you if anything happened.

To know for sure whether your personal policy will cover you during work hours, you need to ask a representative from your current car insurance company.

If you take on a job as a delivery driver but fail to inform your insurance company, they could refuse to cover you in the event of an accident, even if you carry comprehensive car insurance.

If you are looking to buy delivery driver car insurance because you don’t have any car insurance coverage, you have a few options to consider.

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What type of car insurance should I have as a delivery driver?

If you drive for a company and do so with only your personal auto insurance coverage, you may have a gap in coverage that your insurance does not cover — like driving to a restaurant to pick up a delivery order.

In order to avoid the liability of a gap in coverage, you can do a few things to ensure you are taken care of in the event of an accident:

  • Talk to your car insurance company — you may find that the company that currently insures you will fully cover your on-the-job tasks. This is more likely if you have full coverage on your vehicle and if delivering items makes up just a portion of your job responsibilities
  • Ask your employer if they offer coverage — many delivery companies have plans in place to cover their delivery drivers. If you work for a company as a delivery driver, whether part or full-time, ask your employer if the company offers additional car insurance coverage.
  • Consider a commercial policy — Commercial insurance for delivery drivers is a great option if you deliver items for a company full time or if you own your own business. Commercial coverage is more expensive but offers peace of mind in case of an accident

What are the top car insurance companies that cover delivery drivers?

Many auto insurance companies cover delivery drivers in a variety of ways and with a number of different policies. While there is no one best company for delivery drivers to use.

Some of the top companies for delivery drivers include:

  • Progressive
  • USAA
  • Allstate
  • State Farm
  • Erie Insurance

You won’t know the best car insurance company for you until you shop around for delivery driver car insurance quotes with multiple companies.

Once you compare rates and coverage options, you will have a good idea of which company will work best for you.

What are the top car insurance companies that don’t cover delivery drivers?

Most car insurance companies are going to offer some type of coverage for delivery drivers.

If you come across a company that refuses to cover you as a delivery driver, it may be because you won’t purchase the type of coverage they require, or they may deny you coverage because of your driving history.

Still, you should be able to find a few companies to choose from. And the best way to do this is to compare car insurance quotes from multiple companies online.

As you search for affordable delivery driver car insurance, be sure to use our free tool below to compare rates and learn about all your options.