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Food Delivery Car Insurance Rates (Save by Comparing Quotes)

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Aug 17, 2021

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Key Takeaways

  • Some food delivery services offer liability coverage for their delivery drivers
  • Most personal policies will not cover you if you are in an accident while delivering food
  • A business use add-on could work for you if you are only working as a food delivery driver part-time

With the increased popularity of companies like Grubhub and DoorDash over the past few years, being a driver for a food delivery service has become a viable career option. As a food delivery driver, it’s important to know what you need when it comes to a car insurance policy.

You’ll want to compare car insurance companies and what they have to offer to find a food delivery insurance policy that works for you.

Delivery insurance is not offered by the majority of car insurance companies, but you should have at least a few options to choose from when it comes to your car insurance needs.

There are a number of food delivery companies that provide car insurance policies for their drivers. If you work for such a company, then you may not need to make any changes to your existing car insurance.

Below you will find information you need when deciding to buy  food delivery car insurance. As you learn more, you may be able to find cheap car insurance that meets your unique needs.

Enter your ZIP code into our free comparison tool above to find food delivery car insurance rates from top companies near you.

How much are food delivery car insurance rates?

The truth is there aren’t any set food delivery car insurance rates, just as there are no specific food delivery car insurance companies. Rates for food delivery drivers vary just as they do for everyone else.

The type of policy you carry as a food delivery driver will have a big impact on your car insurance rates. Your age and gender can also have a substantial effect. Check out the table below to see how age and gender impact annual car insurance rates.

Average Annual Full Coverage Car Insurance Rates by Age and Gender
AgeAverage Annual Full Coverage Rates (Female)Average Annual Full Coverage Rates (Male)
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While there is no such thing as a standard rate for food delivery drivers, you can expect your rates to increase. This is because your coverage will likely increase, and you will have more opportunities to be in an accident.

Do delivery drivers need special car insurance?

The short answer to the question above is, “yes and no.”

While you are not legally required to carry specific or additional car insurance coverages in order to deliver food, it is a real possibility that your personal insurance coverage could refuse to cover you if you are involved in a car accident while delivering food.

Because personal car insurance coverage on your vehicle is sketchy when it comes to how much it would actually help, you should know your options for additional coverage that would guarantee aid should you ever get into an accident.

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Delivery Services That Provide Car Insurance Coverage

If you are lucky, you will end up working for a company — or are already working for a company — that provides liability insurance for its delivery drivers, such as Caviar or DoorDash.

The beauty of this type of coverage is that it will protect you from any fault should you get in a car accident on the job.

Keep in mind that, even when a company does provide liability for its employees, this covers you only when you are driving for work and does not meet your personal liability legal requirements.

The table below provides a helpful list of delivery companies and whether they offer car insurance coverage options to their employees.

Delivery Companies Auto Insurance Coverage for Drivers
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)
Amazon Prime NowYes
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
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
Liability: $1 million (you have to exhaust your own coverage first)
Drivers use a company truck for deliveries
Google ExpressYes
Drivers use a company truck for deliveries
Jimmy John'sNo
Olive GardenNo
Papa John'sNo
Drivers use climate control company trucks to deliver groceries
Pizza HutNo
Liability: $1 million (you have to exhaust your own coverage first)
Provides delivery through Instacart
Round Table PizzaNo
Liability: $1 million
In between trips: $50,000 per person/accident
$100,000 per accident
$25,000 for property damage
Drivers use a company car for deliveries
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Before you decide to change or add to your existing car insurance policy, check with your employer and ask whether they will provide you with any coverage options.

Food Delivery Drivers: Commercial Car Insurance

If the company you work for does not provide food delivery driver insurance to you, one option would be to consider commercial or business car insurance.

Your two major options would be to utilize a business use add-on to your existing personal car insurance coverage or to purchase a commercial car insurance policy that would cover you separately from your own existing personal policy.

Business use add-ons vary in coverage based on providers, but they typically allow limited driving for business use in most circumstances.

If you work part-time for a delivery service while driving your personal vehicle, this could be an ideal policy. If you work full-time, this coverage may not work for you.

A commercial policy for your vehicle may be a better option if you are a full-time driver for a delivery service or if you hope to make it a full-time career in the near future.

A commercial policy is more likely to cover you for any driving incidents related to your work. Many business owners that utilize work trucks or vans purchase commercial policies to ensure they will always be covered.

Commercial policies feature a laundry list of coverages, typically including liability, property damage, uninsured/underinsured motorist, comprehensive, and collision.

Coverages in commercial policies are certain to differ from one company to the next. It is in your best interest to speak to a representative from any company you are seriously considering in order to make sure you will have everything you need.

Because looking into different companies is the best way to find affordable food delivery car insurance, you could always start by contacting your car insurance company and asking about their policies that cover delivery drivers.

Which car insurance companies cover delivery drivers?

While it’s not necessary to get specific coverage based on the types of food you deliver, such as hot food delivery insurance, you may find that certain companies have specific coverage options for certain delivery jobs.

For example, Progressive offers a type of car insurance coverage specifically for pizza delivery drivers. And many other insurance companies offer personal policies that extend to cover their policyholders while they are delivering food.

GEICO, Progressive, State Farm, USAA, Allstate, and Erie insurance all offer car insurance coverage that could work for you if you are a food delivery driver. These companies often provide rideshare options to cover delivery drivers and people who drive for companies like Uber and Lyft.

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What’s the best car insurance coverage for delivery drivers?

You have a lot of decisions to make when it comes to car insurance as a delivery driver. But you need to remember that every state in the U.S. has a legal minimum amount of car insurance you must carry in order to drive.

The table below highlights each state’s legal requirement for car insurance coverage, including types and amounts.

Minimum Liability Auto Insurance Requirements by State
StateInsurance required Minimum liability limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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Most U.S. states require a policy that includes a minimum of $25,000 bodily injury liability per person and $50,000 bodily injury liability total.

Additional types of coverage that may be required include uninsured/underinsured motorist, comprehensive insurance, collision, and personal injury protection (PIP).

Now that you have learned more about your options as a food delivery driver, you can start your search for the best food delivery car insurance quotes in your area.

Because there are many options when it comes to a food delivery car insurance company, you can use our free tool below to shop around for affordable coverage that meets your needs.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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