Delivery Driver Car Insurance: Compare Rates, Discounts, & Requirements in 2024 (Top 10 Companies)
Learn why Progressive, State Farm, and Allstate shine as the top companies for delivery driver car insurance. It provides a detailed comparison of rates, discounts, and coverage to empower you with the information needed to ensure comprehensive protection throughout your delivery endeavors.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Mar 10, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Progressive, State Farm, and Allstate stand out as leading companies for delivery driver car insurance. This piece evaluates rates, discounts, and coverage options, providing valuable insights to aid drivers in making well-informed decisions for ensuring comprehensive protection while engaged in delivery ventures.
Company | Rank | See Pros/Cons | Maximum Multi-Policy Discount | Maximum Low-Mileage Discount | Best For |
---|---|---|---|---|---|
#1 | Progressive | Up to 12% | Up to 5% | Online Convenience | |
#2 | State Farm | Up to 17% | Up to 30% | Many Discounts | |
#3 | Allstate | Up to 10% | Up to 22% | Add-on Coverages | |
#4 | Liberty Mutual | Up to 25% | Up to 10% | Customizable Polices | |
#5 | Farmers | Up to 10% | Up to 5% | Local Agents | |
#6 | Nationwide | Up to 20% | Up to 8% | Usage Discount | |
#7 | Travelers | Up to 13% | Up to 7% | Accident Forgiveness | |
#8 | American Family | Up to 29% | Up to 12% | Student Savings | |
#9 | USAA | Up to 25% | Up to 10% | Military Savings | |
#10 | Erie | Up to 25% | Up to 10% | 24/7 Support |
For those who find themselves in need of UberEats insurance or DoorDash car insurance, you’re probably wondering what companies provide the best car insurance, as well as what coverage you’ll need. Read on to learn more.
#1 – Progressive: Online Convenience Leader
Progressive stands out as the top choice for delivery driver car insurance, offering seamless online convenience and tailored rideshare policies that complement personal coverage for comprehensive protection during active delivery services.
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Pros
- Online convenience: Progressive offers a user-friendly online platform for easy policy management and claims processing.
- Multi-policy discount: With a maximum discount of up to 12%, combining multiple policies can lead to significant savings.
- Low-mileage discount: Progressive provides up to 5% off for delivery drivers with low mileage, reducing costs for those with limited driving needs.
Cons
- Limited add-ons: While Progressive excels in online services, the range of add-on coverages may be more limited compared to other providers.
- Regional availability: Some specialized coverages and discounts may vary based on location, limiting options for drivers in certain regions.
Read more: Progressive Car Insurance Review
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#2 – State Farm: Diverse Discounts Dynamo
Pros
- Many discounts: State Farm stands out for its extensive range of discounts, offering flexibility for drivers to maximize savings.
- High multi-policy discount: With a maximum discount of up to 17%, bundling policies with State Farm can result in substantial overall savings.
- Low-mileage savings: State Farm provides up to 30% off for delivery drivers with low mileage, catering to those who use their vehicles sparingly.
Cons
- Potentially higher base rates: While discounts are substantial, State Farm’s base rates may be slightly higher compared to some competitors.
- Limited online options: State Farm’s online interface may not be as robust as other companies, potentially impacting user experience for those who prefer online management.
Read more: State Farm Car Insurance Review
#3 – Allstate: Add-on Coverages Expert
Pros
- Add-on coverages: Allstate excels in offering a variety of add-on coverages, allowing drivers to customize policies according to their specific needs.
- Competitive multi-policy discount: With a maximum discount of up to 10%, Allstate encourages bundling policies for overall savings.
- Comprehensive low-mileage discount: Allstate’s low-mileage discount of up to 22% is advantageous for delivery drivers with minimal mileage requirements.
Cons
- Higher base rates: Allstate’s base rates might be comparatively higher, impacting overall affordability for some drivers.
- Limited local presence: While Allstate provides national coverage, its local agent presence may be less extensive in certain areas.
Read more: Allstate Car Insurance Review
#4 – Liberty Mutual: Tailored Coverage Champion
Pros
- Customizable policies: Liberty Mutual offers flexibility with customizable policies, allowing delivery drivers to tailor coverage to their specific needs.
- High multi-policy discount: With a maximum discount of up to 25%, Liberty Mutual incentivizes combining multiple policies for increased savings.
- Diverse coverage options: Liberty Mutual provides a wide range of coverage options, ensuring drivers can build a policy that suits their unique requirements.
Cons
- Potentially higher premiums: While discounts are substantial, Liberty Mutual’s base premiums may be higher, affecting overall affordability for some drivers.
- Limited local presence: Liberty Mutual’s local agent network may not be as extensive, potentially impacting the accessibility of in-person assistance for some customers.
Read more: Liberty Mutual Car Insurance Review
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#5 – Farmers: Local Agents Advantage
Pros
- Local agents: Farmers emphasizes local agents, providing a personalized touch for delivery drivers who prefer face-to-face interactions.
- Multi-Policy discount: With a maximum discount of up to 10%, bundling policies with Farmers can lead to significant overall savings.
- Nationwide coverage: While focusing on local agents, Farmers also offers national coverage, providing accessibility for drivers across different regions.
Cons
- Limited low-mileage discount: Farmers’ low-mileage discount is relatively modest, offering up to 5%, which may be less appealing for drivers with minimal mileage requirements.
- Online experience: Farmers’ online interface may not be as advanced as some competitors, potentially affecting the user experience for those who prefer online management.
Read more: Farmers Car Insurance Review
#6 – Nationwide: Usage Discount Innovator
Pros
- Usage discount: Nationwide provides a usage-based discount of up to 20%, allowing delivery drivers to save based on their driving habits.
- Multi-policy savings: With a maximum discount of up to 20%, Nationwide encourages policy bundling for increased affordability.
- Comprehensive coverage: Nationwide offers a variety of coverage options, ensuring drivers can build a policy that aligns with their specific needs.
Cons
- Limited local agent presence: Nationwide’s local agent network may not be as extensive, impacting the accessibility of in-person assistance for some customers.
- Potentially higher base rates: While discounts are available, Nationwide’s base rates may be slightly higher compared to some competitors, affecting overall affordability.
Read more: Nationwide Car Insurance Discounts
#7 – Travelers: Accident Forgiveness Specialist
Pros
- Accident forgiveness: Travelers provides up to 13% discount with accident forgiveness, benefitting drivers with occasional accidents without impacting rates.
- Multi-policy discount: With various discount options, Travelers encourages bundling policies, leading to potential overall savings.
- National presence: Travelers has a wide national presence, ensuring accessibility for drivers across different regions.
Cons
- Limited usage discount: Travelers’ discount for usage-based policies is relatively modest compared to some competitors.
- Online experience: Travelers’ online platform may not be as advanced, impacting the user experience for those who prefer online management.
Read more: Travelers Car Insurance Review
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#8 – American Family: Student Savings Champion
Pros
- Student savings: American Family offers substantial savings for students, with a maximum discount of up to 29%, making it an attractive option for student delivery drivers.
- Multi-policy discount: Bundling policies with American Family can result in significant savings, providing drivers with an opportunity for comprehensive coverage at a lower cost.
- Local agents: American Family emphasizes local agents, ensuring personalized service and assistance for delivery drivers.
Cons
- Limited national presence: While American Family focuses on local agents, its national presence may be less extensive compared to some competitors.
- Potential higher premiums: American Family’s base rates may be higher, impacting overall affordability for some drivers.
Read more: American Family Car Insurance Review
#9 – USAA: Military Savings Leader
Pros
- Military savings: USAA offers significant discounts for military personnel, with up to 25% savings, making it a highly attractive option for service members engaged in delivery driving.
- Multi-policy discount: Bundling policies with USAA can lead to substantial overall savings, providing comprehensive coverage at an affordable cost.
- Excellent customer support: USAA is known for its outstanding customer service, ensuring delivery drivers have reliable support when needed.
Cons
- Limited eligibility: USAA is exclusive to military personnel and their families, limiting accessibility for the general public.
- Limited local presence: While USAA provides nationwide coverage, its local agent network may be less extensive, potentially affecting in-person assistance.
Read more: USAA Car Insurance Review
#10 – Erie: 24/7 Support Provider
Pros
- 24/7 Support: Erie stands out for its 24/7 customer support, providing delivery drivers with assistance whenever they need it.
- Multi-Policy discount: Bundling policies with Erie can lead to significant overall savings, ensuring drivers have comprehensive coverage at an affordable cost.
- National coverage: Erie offers nationwide coverage, providing accessibility for delivery drivers across different regions.
Cons
- Limited online experience: Erie’s online interface may not be as advanced, potentially impacting the user experience for those who prefer online management.
- Modest usage discount: Erie’s discount for usage-based policies is relatively modest compared to some competitors.
Read more: Erie Car Insurance Review
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Analysis of Coverage Rates for Delivery Drivers
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Progressive | $42 | $111 |
State Farm | $45 | $120 |
Allstate | $58 | $156 |
Liberty Mutual | $75 | $200 |
Farmers | $60 | $158 |
Nationwide | $37 | $98 |
Travelers | $88 | $228 |
American Family | $47 | $126 |
USAA | $73 | $193 |
Erie | $52 | $138 |
Nationwide offers the lowest minimum coverage rate at $37, while Travelers presents the highest at $88. For full coverage, Nationwide maintains a competitive rate of $98, contrasting with Liberty Mutual’s highest cost of $200. These rates showcase the varying affordability and value among insurance providers catering to delivery drivers.
Who offers the best insurance for delivery drivers?
In the dynamic realm of delivery driving, having the right insurance coverage is a non-negotiable aspect of ensuring a secure and successful venture. Our top 10 picks for delivery driver car insurance in 2024 are curated to address the specific needs of drivers engaged in services like UberEats, DoorDash, and others.
From Progressive’s online convenience to State Farm’s diverse discounts and Allstate’s expertise in add-on coverages, these recommendations are backed by a thorough analysis of factors influencing rates and coverage options.
In the competitive landscape of insurance providers, Progressive stands out as an online convenience leader. With tailored rideshare insurance policies, they seamlessly complement personal auto coverage, offering protection during active delivery services. State Farm, recognized as a diverse discounts dynamo, extends a broad array of discounts to delivery drivers, ensuring personalized coverage options across their extensive network.
Allstate, an expert in add-on coverages, provides the flexibility needed for drivers using their vehicles for both personal and business purposes. For an in-depth exploration of coverage rates and insights, our comprehensive table compares quotes from these industry-leading companies. Your journey to reliable delivery driver car insurance starts with these top picks.
The Best Overall Car Insurance for Delivery Drivers
USAA was recently ranked as the best overall by J.D. Power, particularly for its availability in all states as well as its excellent customer service. The downside is that it’s only available to retired and active-duty military personnel and their spouses and children.
When it comes to availability and flexibility, Allstate is also a strong overall choice. The option of add-ons to your personal auto insurance policy may help you avoid having to purchase a different policy if you have a commercial vehicle for private use.
Read more:
- Walmart Delivery Car Insurance: Compare Rates, Discounts, & Requirements 2023
- Domino’s Pizza Car Insurance: Compare Rates, Discounts, & Requirements
- Pizza Hut Car Insurance: Compare Rates, Discounts, & Requirements
- your personal car insurance policy covers your food delivery vehicle
The Best Car Insurance for Delivery Drivers with Small Businesses
Erie allows small business owners to add a business usage option to their personal auto insurance, something not all companies offer. These add-ons are perfect for small business owners and free-lance delivery drivers since they won’t need two policies for a vehicle that is used for both personal and business activities.
The downside is that its policies are not available in all states and its online footprint is pretty small.
The Best Car Insurance for Food Delivery Drivers
Progressive’s rideshare insurance policies make it an excellent choice for food delivery drivers and other rideshare drivers, such as Uber or Lyft.
Its policies are purchased in addition to your personal auto insurance and cover you while you are in “app on” mode. The only downside is that the rideshare policies aren’t as widely available as other Progressive products. As of 2022, the service is only offered in 34 states.
Read more:
- Does car insurance cover food delivery vehicles?
- Uber Eats Car Insurance: Compare Rates, Discounts, & Requirements
What types of coverage might be required for delivery drivers?
It’s important to find out what coverage is required by law for delivery drivers in your state and industry.
For example, in some states, like Michigan, delivery drivers who use a personal vehicle need two policies, a no-fault personal auto insurance policy and a commercial policy. Therefore, depending on the state, your options for proper coverage might be:
- Two policies — one personal and one commercial
- Personal auto insurance with one or more add-ons for commercial use
- Personal auto insurance with a rideshare policy
Learn more about commercial car insurance companies. Be sure to talk with your agent or broker to make sure you are properly covered in case of an accident.
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What if the company you drive for provides insurance?
Some delivery platforms or companies provide drivers with insurance as part of the sign-on package. Some examples are:
- Amazon Flex. Amazon provides its freelance drivers with insurance in every state except New York. Amazon Flex car insurance coverage is dependent on you having your own auto insurance policy already. It only covers you when you’re delivering, and the coverage does not include passengers.
- DoorDash. While they are out delivering, DoorDash auto insurance covers its drivers with a commercial policy. However, Doordash liability insurance and other coverage only kicks in once the driver’s personal insurance is exhausted.
- UberEats. Company car insurance for UberEats drivers is similar to the car insurance for Doordash drivers, but the benefits are a little more extensive. For example, some drivers may qualify for collision and comprehensive coverage, and others may even qualify for coverage between deliveries.
Other companies require drivers to purchase their own insurance and maintain legal compliance:
- GrubHub. Drivers for GrubHub are required to purchase their own insurance, including any commercial coverage required by law.
- InstaCart. Drivers for InstaCart sign an agreement saying they are responsible for insuring their own vehicle. (For more information, read our “Instacart Car Insurance: Compare Rates, Discounts, & Requirements“).
Whether the company you drive for offers insurance or not, you are responsible to make sure your coverage is adequate and compliant. So do your research and read the fine print carefully so that you don’t end up paying damages out of pocket.
Keep in mind that the food industry may require other types of insurance as well, so get familiar with local and state laws.
Delivering Solutions: Real-Life Case Studies in Driver Insurance Success
Case Study One: Optimizing Savings With Progressive
Sarah, a seasoned delivery driver, sought an insurance provider that could adapt to her varying work hours and delivery demands. Progressive’s rideshare insurance policies proved to be the perfect solution, offering tailored coverage that seamlessly complemented her personal auto insurance. The online convenience and flexibility of Progressive’s policies not only optimized Sarah’s savings but also provided the necessary protection during her active delivery hours, resulting in a significant reduction in insurance costs.
Case Study Two: Customized Coverage With State Farm
Part-time delivery driver John faced the challenge of finding an insurance provider with a diverse range of discounts that could accommodate his unique driving patterns. State Farm emerged as the ideal match, offering a variety of discounts and personalized coverage options. John was able to tailor his policy to fit his individual circumstances, saving on insurance premiums while benefiting from coverage that seamlessly aligned with his part-time delivery commitments.
Case Study Three: Flexibility and Add-Ons With Allstate
Lisa, a delivery driver using her vehicle for both personal and business purposes, sought a provider offering flexible coverage options and essential add-ons for comprehensive protection. Allstate’s expertise in add-on coverages and policy customization made it the perfect solution for Lisa. By tailoring her insurance to cover both personal and business use, Allstate provided peace of mind, eliminating the need for multiple policies and showcasing the importance of flexibility for drivers with diverse vehicle usage.
Final Thoughts on Car Insurance for Delivery Drivers
Finding the best car insurance for delivery drivers is part of making sure your business is protected and is operating in compliance with local and state laws. You’ll need to shop around and see whether you need two policies or just purchase the applicable add-ons. And even if the company you drive for offers insurance coverage, you are still ultimately responsible for making sure your coverage is adequate and legally compliant.
Frequently Asked Questions
Do I need specific car insurance as a delivery driver?
Yes, as a delivery driver, you typically need a commercial auto insurance policy rather than a personal auto insurance policy. Commercial auto insurance provides coverage specifically tailored for business use, including delivery services. It is important to have the appropriate coverage to protect yourself, your vehicle, and the goods you are delivering.
What types of coverage are typically included in commercial auto insurance for delivery drivers?
Commercial auto insurance for delivery drivers typically includes liability coverage, which covers damages and injuries to others if you are at fault in an accident. It may also include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and coverage for cargo or goods being transported. The specific coverage options and limits can vary depending on the insurance provider and policy.
Are there any discounts available for delivery drivers’ car insurance?
Some insurance companies offer discounts specifically for delivery drivers. These discounts may include safe driving discounts, discounts for completing driver training courses, multi-policy discounts if you have other insurance policies with the same provider, or discounts for vehicles equipped with safety features. It’s important to inquire with insurance providers about available discounts that may apply to your situation.
What are the requirements for obtaining car insurance as a delivery driver?
Requirements for obtaining car insurance as a delivery driver may vary among insurance providers. However, common requirements include:
- Possession of a valid driver’s license.
- Compliance with any age restrictions or experience requirements set by the insurance company.
- Providing accurate information about your vehicle, driving history, and delivery business details.
- Meeting any specific underwriting guidelines and criteria set by the insurance provider.
Can I use my personal car insurance for delivery purposes?
In most cases, personal car insurance policies do not cover delivery activities. Using your personal vehicle for delivery without proper coverage may result in denied claims and policy cancellation. It’s important to inform your insurance provider about your delivery activities and obtain the appropriate commercial auto insurance coverage to ensure you are adequately protected while working as a delivery driver.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.