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: Apr 13, 2022

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Key Takeaways

  • A personal insurance policy does not protect you when your car is being used for business
  • Commercial driver policies can provide you with adequate cover if you use your personal vehicle for work
  • Most insurance companies won’t cover delivery drivers under personal policies because of an increased risk of accidents and claims

Working for companies like DoorDash, Uber Eats, or Postmates is an excellent way to make some extra cash while using your car. However, your personal car insurance won’t cover using your vehicle for business in most cases. For this reason, you should look for car insurance for delivery drivers.

Of course, car insurance quotes will vary for everyone, so the best way to find the right coverage and price for you is to shop around and compare your options. But first, read on for our top picks below.

Best Car Insurance For Delivery Drivers 

As we said, if you are supplementing your income by delivering food and goods in your spare time, it’s better to have car insurance for delivery drivers. 


GEICO car insurance provides coverage for delivery drivers under its rideshare insurance option. This policy replaces your personal car insurance policy, and this insurer is the only one in the market that offers this hybrid cover. 

GEICO’s insurance covers you when you are on the road for either work or personal reasons. This rideshare insurance is available in 40 different states.


  • Hybrid coverage that protects you during work and personal driving
  • Deductibles are as low as $250
  • Allows drivers to ride for several companies at once

GEICO is also known for lower rates than the average.


While Progressive car insurance rideshare coverage is aimed at drivers who carry passengers, it can also be used as Uber Eats or Doordash insurance.

Progressive’s insurance works as an add-on to your existing car insurance policy. However, if the add-on is not available in your state, you will need to buy a commercial policy to make sure you have adequate cover.

One big plus of Progressive’s car insurance for delivery drivers is that it lets drivers keep their existing policies’ limits and deductibles regardless of whether they are working or driving their car for personal use.

However, drivers should note that if they work for a platform that provides insurance while you deliver, that will be their primary policy in case of an accident.


  • Easy claims process
  • Access to progressives network of repair shops
  • Keep your existing deductibles and policy limits for both work and personal driving

Progressive also tends to have lower than average auto insurance rates.

State Farm

Like Progressive, State Farm car insurance offers rideshare insurance for apps like Lyft and Uber. However, they also insure food and goods delivery drivers. If you have an existing policy with State Farm, you can call them up and request a business-use add-on.

State Farm’s business-use coverage is only available for food and goods deliveries, but not passengers. Drivers who carry passengers and goods need to purchase State Farm’s specific rideshare eriver coverage.

Obtaining a business use endorsement on top of personal policy costs ads around 15%-20% to your existing premium.


  • Cost-effective
  • Simple process
  • Large, reliable company

State Farm is the biggest car insurance company in the nation, so they have a solid footing and are stable.


USAA car insurance offers drivers rideshare GAP insurance as an add-on to their personal car insurance policy. Most food delivery apps cover you while you’re driving but don’t provide insurance for downtime, like waiting for a delivery. USAA’s coverage solves this problem.

While rates vary, USAA suggests you can purchase this endorsement for around $6/month on average.

You need to have an existing USAA personal policy to get this coverage. However, most drivers won’t be able to access a policy because it’s only available to active or retired military service members or their families.


  • Flexible coverage that covers rideshare and food delivery
  • Low prices
  • User-friendly app
  • Access to USAA’s network of body repair shops

If you qualify for USAA, it is well worth a closer look.


Allstate car insurance offers driver coverage under its Ride for Hire option. This coverage is available as rideshare insurance for Uber and Lyft and also for delivery drivers. Ride for Hire can be purchased as an add-on to an existing car insurance policy. 

While costs vary due to location, age, and driving history, Allstate suggests this add-on costs about $30 on top of your existing monthly premium. One huge plus is that endorsements like new car replacement and accident forgiveness can carry over if you drive for a delivery platform.


  • Cost-effective
  • Allows drivers to keep existing policy endorsements
  • Available in most states

Allstate is known for offering a lot of discounts, so be sure to see what’s available to you.

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Do employers provide insurance for drivers?

Some food delivery platforms provide insurance for drivers. 

For example, Uber Eats provides coverage. However, this insurance is limited to when you are working for the company. It won’t cover you when you are waiting for a delivery. It’s important to note that Uber Eats insurance doesn’t replace your personal insurance.

DoorDash also provides insurance for when you are working, but coverage only applies when your insurance company has already denied your claim.

Postmates also provides insurance. However, it’s very limited. Their coverage will only apply when the driver’s insurance doesn’t cover damages to other drivers or their vehicles.

How to Choose the Best Deliver Driver Coverage Option for You

Special car insurance for delivery drivers is worth it, depending on your particular needs. 

For example, Amazon Flex and Uber Eats provide cover when you’re working. If you already have car insurance, you may not require delivery insurance. However, not all personal car insurance companies offer drivers protection for delivery jobs. In these cases, delivery driver insurance is a must.

Does personal car insurance cover delivery jobs?

Many delivery drivers drive their personal vehicles to transport food and other goods. Most insurance policies only cover personal use and not driving around to make deliveries. As such, these actions can violate your insurance agreement.

If you get into an accident while working as a delivery driver, the consequences can be severe. For example, your insurer may refuse your claim. 

The best options for a personal vehicle delivery driver are as follows.

Business-use Coverage

Business-use coverage is a great delivery insurance option. Some companies allow you to add this to your existing policy if you use your car for minimal business use. However, full-time delivery drivers may have a hard time qualifying.

Commercial Auto Insurance

A commercial policy can be used as car insurance for delivery drivers. These policies cover businesses and the vehicles they use for work.

A commercial policy is used to provide car insurance for delivery drivers. Using your car for deliveries puts you at significant risk of either having an accident or making a claim. As such, most car insurance companies won’t cover you under a personal policy.

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Car Insurance for Delivery Drivers: The Bottom Line

If you need to buy car insurance for delivery drivers, you have a few options. If you already have an existing policy, you can check if your insurer will provide coverage via a business-use personal policy. These policies are fairly inexpensive. However, they are for light use, so if you deliver food full-time, you might not qualify.

The other option you have is to get a commercial policy. While these policies are more expensive, they will cover you in every situation.