Best Cheap Car Insurance Company That Covers Delivery Drivers (2021)
Car insurance companies that cover delivery drivers are pretty easy to find. If you are a delivery driver, you will want to decide whether you will stick with a personal car insurance policy or switch to a commercial policy for adequate coverage. You may want a business-use personal policy, which will likely cover you if you are a part-time delivery driver. If you stick with your personal policy for delivery driving, let your car insurance company know you're a delivery driver.
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Written by
Rachael Brennan
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Reviewed by
Chris Harrigan
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UPDATED: Nov 16, 2021
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- Some delivery drivers use their personal policies for car insurance
- You can choose between business-use or commercial policies to supplement coverage while on delivery
- Ask your employer if car insurance coverage is provided while you’re on the job
People who work as delivery drivers need a certain level of car insurance to legally drive on the road. Fortunately, car insurance companies that cover delivery drivers are not too difficult to find.
But what if you are in an accident while delivering food? Or what if your truck is hit by debris on the interstate while you’re delivering packages?
While you only need to meet your state’s auto insurance minimum requirements to drive your car legally, the rules may change a little bit when you’re using your vehicle for work.
If you’re looking for car insurance companies that cover delivery drivers, then you need to know how much coverage you want and the type of policy you’re looking for.
Car insurance for DoorDash drivers and other food delivery services may be available through the employer.
If you need to buy coverage as a delivery driver, then compare delivery driver car insurance quotes from multiple companies to find the one that works best for you.
Find affordable delivery driver car insurance today by using our free quote tool above. Compare rates and decide what you need as a delivery driver.
Table of Contents
What insurance companies cover delivery drivers?
Most of the well-known car insurance companies cover delivery drivers. If you have a current car insurance policy and want to stick with your company, ask a representative if you can keep your coverage as a delivery driver.
Or, if you’re looking for delivery driver car insurance rates from other companies, shop online to see which companies have the best reviews.
Some of the best cheap car insurance companies that cover delivery drivers include:
- USAA
- Erie
- Progressive
- GEICO
- Allstate
- Nationwide
- Liberty Mutual
- Travelers
Countless other companies also cover delivery drivers. And while there are some car insurance companies that don’t cover delivery drivers, you should not have a problem finding coverage with a company you trust.
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What type of car insurance do delivery drivers need?
If you want to stick with your personal policy but need additional coverage as a delivery driver, ask about a business-use policy.
This add-on will provide an extra layer of protection to your policy. A business-use policy is ideal for someone who delivers part-time or works a job that sometimes requires them to deliver items.
If you deliver items full-time or travel long distances for deliveries, you may want to consider a commercial car insurance policy. A commercial policy will likely cover any work-related driving.
Deciding between personal, business-use, or commercial policies may sound overwhelming. However, comparing different delivery driver car insurance companies can help you find the best fit for you.
Does car insurance cover delivery drivers?
Depending on the type of policy you have, your car insurance may cover you as a delivery driver. The only way to know for sure is to check your personal policy and speak with a representative from your car insurance company.
It’s a good idea to notify your insurance company that you’re a delivery driver. Otherwise, you could be denied coverage if you’re in an accident while delivering for your job.
Legally, you only have to meet your state’s minimum requirements to drive on the road. But if you’re in an accident while delivering something, this may not be enough coverage.
Should I change my car insurance as a delivery driver?
Before making any changes to your car insurance coverage, ask your employer if they offer delivery driver car insurance. Some companies cover their drivers for work-related driving.
Suppose the company you work for does not offer car insurance coverage. In that case, you will want to decide between a personal policy, a business-use add-on to your existing policy, or a commercial policy.
If you want to buy delivery driver car insurance, enter your ZIP code into the free tool below to compare rates today.