Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Nov 16, 2021

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Key Takeaways

  • 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.

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
  • 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.

Compare quotes from the top car insurance companies and save

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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.