Delivery.com Car Insurance: Discounts, Rates, & Requirements (2021)

Delivery.com doesn’t sell Delivery.com car insurance to its drivers. And Delivery.com doesn’t employ delivery drivers; drivers are affiliated with the company instead. When you’re shopping for Delivery.com auto insurance, you’ll need both a personal policy and a food delivery auto insurance policy (like GEICO food delivery insurance). Food delivery insurance can be a commercial policy or a delivery driver add-on.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 6, 2021

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Here's what you need to know...

  • Delivery.com delivery drivers typically use their own vehicles when out on delivery
  • Because you’ll be using a personal vehicle instead of a company car, you’ll need to buy Delivery.com car insurance coverage yourself
  • Your personal car insurance policy may not be enough; you’ll probably also need commercial car insurance coverage

If you’re a Delivery.com delivery driver, you’ll need to know what kind of auto insurance coverage you need. Do you need food delivery auto insurance? Can you buy GEICO food delivery insurance? What are average Delivery.com car insurance rates? Will you need to buy insurance for a company-owned vehicle?

Understanding your car insurance policy is the first step in making sure you have the right coverage. Read this article to find out everything you need to know about Delivery.com car insurance.

If you’re ready to start shopping for car insurance as a Delivery.com delivery driver, use your ZIP code in the free tool on this page to get started.

What kind of car insurance do you need as a Delivery.com delivery driver?

If you’re a Delivery.com delivery driver, you’re aware you don’t actually work with Delivery.com but are affiliated with the company instead. As an affiliated driver, you’re able to pick up deliveries from local businesses that are also affiliated with Delivery.com. Deliveries can include anything from groceries to laundry.

If you live in a city where Delivery.com currently operates, you can become a Delivery.com delivery driver, which can give you a way to earn extra money on your schedule.

If you do decide you want to become a Delivery.com driver, you’ll need to meet a few requirements to qualify, including having:

  • A reliable vehicle
  • A current (and valid) driver’s license
  • Valid proof of car insurance
  • A smartphone

If you meet all the requirements for being a Delivery.com driver, what kind of insurance do you need? According to Crosley Law, delivery drivers face especially high accident and vehicle fatality rates, so you’ll definitely need to know the answer to this question.

Will your personal car insurance cover a vehicle used for food delivery? The short answer is no because most personal policies don’t provide coverage when using your vehicle for business purposes. You’ll also need a commercial (or business) policy to make sure you’re covered when you’re out on delivery.

Keep reading to find out how you can get the right coverage for your needs.

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Where can you get Delivery.com delivery driver car insurance?

You can get commercial coverage from most major insurance companies. All you need to do is work with your insurance agent to add the coverage to your existing personal policy. However, you may find this commercial coverage is expensive. On average, your rates will increase by $150 per month with a commercial policy.

We know this may be pricier than you’d prefer, so if you’re looking for more affordable Delivery.com car insurance options, you can ask about a delivery driver add-on, which is typically cheaper than a full commercial policy.

Not every company offers the delivery driver add-on, but some of the companies that do sell this option include:

  • Crump Property & Casualty
  • GEICO
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

You can also compare Delivery.com car insurance quotes from multiple companies (we recommend at least three) to make sure you’re getting the best price for the coverage you need.

Delivery.com Car Insurance: The Bottom Line

Delivery.com doesn’t actually employ its drivers. Instead, drivers are affiliated with the company. As a Delivery.com delivery driver, you’ll need both personal and commercial auto insurance.

We know this can get expensive, and if your Delivery.com driver pay isn’t particularly high, you may be looking for more affordable options. In that case, you can ask your insurance company if they offer a delivery driver add-on.

Before you leave, enter your ZIP code in our free tool to start comparing rates for auto insurance for Delivery.com drivers today.

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