Best Car Insurance for Delivery Drivers (2025)
USAA, Allstate, and State Farm offer some of the best car insurance for delivery drivers.
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
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Edited bySarah Archambault
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Table of contents
Most personal auto insurance policies don’t provide coverage for delivery driving. If you drive for a ridesharing or delivery company, you’ll typically need additional insurance since you’re using your vehicle for business purposes.
Transportation network companies (TNCs) provide some coverage for drivers, but many delivery network platforms won’t cover you. Without purchasing commercial car insurance or a rideshare endorsement, your personal policy may not cover you if you need to file a claim for an incident that occurred while making a delivery.[1]
Quick Facts
TNC companies like Uber and Lyft maintain commercial auto insurance to help protect drivers while making deliveries.
GrubHub and Instacart don’t provide any insurance coverage.
Commercial insurance provides more robust coverage than a rideshare endorsement but at a higher cost.
Best car insurance for delivery drivers
Before you start delivery driving, make sure you have the proper auto insurance coverage. Check out three of the best car insurance companies for delivery drivers based on Insurify’s research.
USAA: Best for military members
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
4.9
Best choiceBased on 2,080 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,187)
Alberta
May 28, 2025
Verified Review
Excellent
It is good, just looking for a cheaper rate.
Tracey
May 28, 2025
Verified Review
USAA Auto Insurance Review
Very high priced, but good coverage.
Bobby
May 25, 2025
Verified Review
USAA Review
Difficult to reach.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers rideshare gap coverage as an add-on to your insurance policy. It helps protect you if you have an accident during an “unmatched time.” This is the space when you’re waiting for a rideshare request and might not have coverage from your USAA policy or your rideshare company’s commercial policy.
The purpose of this insurance is to protect you during these gaps. Depending on your state, you might also be able to get a commercial policy with a rideshare option.
Pros
High J.D. Power customer and claims satisfaction ratings
Competitive rates
Many available discounts
Cons
Available only to military members and their families
Rideshare insurance not available in every state
No access to live 24/7 customer phone support
Allstate: Best for coverage options
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $130/mo |
4.0
Best choiceBased on 6,793 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,634)
Donny
May 28, 2025
Verified Review
I'd never deal with them again.
Rates are too high for state-required insurance.
Howard
May 27, 2025
Verified Review
Used to be a good value
We have been customers for 42 years. We haven't seen any downward adjustment even though we're in North Carolina. We're looking for other quotes.
John
May 25, 2025
Verified Review
Excellent
Easy to deal with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Allstate Ride for Hire is rideshare insurance that provides coverage when you’re using your vehicle to drive for a transportation network company like Uber or Lyft. Whether you’re waiting for a passenger or en route to your destination, Ride for Hire can protect you from gaps in coverage. Allstate also offers commercial coverage and business auto insurance.
Pros
Quotes available online
Wide range of available coverage options
Above-average J.D. Power customer claims satisfaction ratings
Cons
Rideshare insurance not available in every U.S. state
Higher number of complaints than expected with the National Association of Insurance Commissioners (NAIC)
Low rating on the Better Business Bureau (BBB) website
State Farm: Best for customer claims satisfaction
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.1
Best choiceBased on 11,151 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,012)
James
May 29, 2025
Verified Review
Excellent
I've been with them for over 30 years. However, the cost has tripled in the last 5 years.
Vicki
May 29, 2025
Verified Review
State Farm Review
In comparison to other companies so far, State Farm is the best for pricing of coverage. I have not used any services yet.
Mona
May 29, 2025
Verified Review
Loved State Farm
They were great to work with. I wouldn't think of leaving except for the huge increase in premiums.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm rideshare insurance extends the coverage you already have with your personal State Farm auto policy. Rideshare coverage can protect you from the time you turn your mobile app on until you deliver your passenger.
Adding rideshare coverage to your policy will raise your insurance premiums by 15%–20%, on average. State Farm also offers commercial auto insurance policies.
Pros
Above-average J.D. Power customer claims satisfaction ratings
Many insurance products available
Many available discounts
Cons
Low rating from the BBB
Higher number of complaints than expected with the NAIC
Online quotes not available for all products in all states
To determine the best insurance for delivery drivers, we compared multiple factors including coverage options, customer service reviews, customer claims satisfaction, discounts offered, and Insurify Quality (IQ) Scores.
Do delivery companies cover you?
Many insurers won’t cover you while driving for a TNC or food delivery company. This is why it’s important to purchase a commercial insurance policy or rideshare endorsement. Transportation network companies like Uber and Lyft provide a certain amount of insurance, but some food delivery services don’t offer any additional coverage.
Lyft
As a Lyft driver, you must have your own auto insurance that meets the minimum requirements of your state. Lyft’s coverage depends on distinct periods:
App is off: Your personal auto insurance applies.
App is on and receiving requests: Lyft maintains third-party liability insurance for covered accidents, $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 per accident for property damage.
App is on, and you’re en route or driving: In most markets, you get $1 million for third-party liability insurance.
App is on, and ride in progress: Lyft maintains at least $1 million for third-party liability.
Note that Lyft doesn’t provide any liability insurance for drivers in the five boroughs of New York City.
Uber
Uber offers different coverage depending on when you’re offline, online, en route, or on a trip:
Offline: Your personal auto insurance applies.
Online: Uber’s third-party liability insurance covers the cost of injuries or damages up to $50,000 per person, $100,000 per accident for injuries, and $25,000 in property damage per accident.
En-route: Uber insurance provides at least $1 million in property damage and injuries to riders and third parties if you’re in an at-fault accident.
DoorDash
Doordash provides third-party auto liability insurance for drivers involved in an accident during the delivery service period. The delivery service period starts when you accept a delivery request on the DoorDash delivery app and ends when the order is marked as delivered, unassigned, or canceled.
You also have to maintain primary insurance that meets your state’s minimum requirements. Any damages sustained to your vehicle are your responsibility and need to go through your personal auto insurance. Drivers in North Dakota and Indiana are subject to slightly different terms.
Grubhub
To drive for Grubhub, you’re responsible for supplying your own auto insurance.
Postmates
Postmates recommends drivers have commercial car insurance. The company offers excess auto insurance for fleet drivers with $1 million in liability coverage for bodily injury and/or property damage of third parties. This only applies when you’re on an active delivery, which is from when you receive a request to the time your customer receives their order.
Amazon Flex
If you maintain personal auto insurance, Amazon Flex will provide coverage while you’re driving and delivering under the Amazon Commercial Auto Insurance Policy.
Amazon’s commercial insurance includes $1 million in liability coverage, uninsured/underinsured motorist, and contingent comprehensive and collision coverage. If you live in New York state, you may require additional commercial insurance.
Instacart
To drive for Instacart, you’re responsible for supplying your own insurance.
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Coverage for delivery drivers
Delivery driving has become a popular way to earn money. What you might not realize is there’s often a gap in coverage between your standard car insurance and the insurance the rideshare company provides.
Delivery driver insurance fills that gap. It’s not a specific type of insurance but rather additional coverage delivery drivers may need — such as a commercial car insurance policy or a rideshare endorsement. Both options offer protection for your personal vehicle for business use, including delivery driving.[2]
To cover the added risks of using a vehicle for business activities, commercial car insurance and rideshare endorsements generally provide more robust coverage than standard car insurance. Some rideshare companies offer insurance for their drivers, but coverage typically only applies during active delivery time.
Like traditional auto insurance, delivery driver coverage may include the following:[3]
Property damage liability coverage
This coverage helps pay for damages you cause to someone else’s vehicle or property.
Bodily injury liability coverage
Bodily injury liability insurance covers the medical bills and lost wages of someone injured in an accident you caused.
Comprehensive coverage
Comprehensive insurance protects you from non-collision events, like theft, vandalism, and damage from animals.
Medical payments coverage
If you or your passengers get injured in an accident, medical payments coverage may help pay for doctor’s appointments, hospital stays, and other medical expenses, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps pay your expenses if a driver hits you and doesn’t have adequate insurance.
Coverage for delivery accidents can vary by insurer and location. It’s crucial to shop around and compare quotes to ensure you get the best deal for your needs.
Commercial car insurance vs. rideshare insurance
If you’re wondering how commercial car insurance and rideshare insurance differ, here’s an overview of the two types of insurance coverage.
Commercial car insurance
Commercial car insurance offers protection for vehicles you use for business purposes.
“Commercial auto insurance is designed for an individual or company who owns and uses their vehicles to conduct their business on a daily basis,” says Scott Henman, certified insurance counselor and owner of Michigan Insurance and Financial Services.
Commercial car insurance helps protect you from unforeseen incidents on the road and may include property damage, bodily injury liability, and uninsured motorist coverage. It offers the most protection for delivery drivers, but it comes at a high financial cost.
“A commercial insurance policy for delivery drivers is costly and unnecessary in most cases,” says Henman. “Unless it’s for a fleet of vehicles and is the company’s primary operation — for example, distributors or grocers who offer their own delivery services.”
Rideshare insurance
Rideshare insurance is an endorsement you add to your personal auto insurance and is typically more affordable than a separate commercial auto insurance policy. A rideshare endorsement helps bridge the coverage gap between your personal auto policy and the coverage your rideshare company provides. But rideshare insurance availability can be limited.
“Not all insurance companies offer rideshare endorsements, and some do on a state-by-state basis,” says Henman. “Small regional insurance companies are typically reluctant to offer rideshare coverage.”
If you’re considering becoming a rideshare driver, contact your insurance company to discuss your specific needs and explore the available rideshare insurance options. Make sure the policy covers you at all delivery stages and not just certain times.
Car insurance for delivery drivers FAQs
If you’re looking for more information about car insurance for delivery drivers, check out the additional information below.
What car insurance is best for delivery drivers?
As a delivery driver, you’ll likely need a commercial insurance policy or a rideshare endorsement to ensure you have adequate coverage. Some of the best car insurance companies for delivery drivers include USAA, Allstate, and State Farm. The insurance policy that’s right for you will depend on your specific needs and budget.
Do you need to tell your car insurance company if you start delivery driving?
Yes. You must inform your insurer if you start using your own car for deliveries. Ideally, you’ll want to notify your insurance company before using your vehicle for business purposes to avoid potential coverage gaps.
Failing to disclose your business activities could lead to policy cancellation and denial of claims for accidents that occur while you work.
What insurance should you have for DoorDash?
When delivering for DoorDash, you have to maintain personal insurance that meets your state’s minimum requirements. DoorDash does provide third-party commercial auto insurance that covers up to $1 million in bodily injury and/or property damage to third parties if you’re in an accident while on a delivery.
What insurance do you need to deliver pizza?
Speak with your insurance company to confirm what insurance you need to deliver pizza. You’ll either need a commercial auto insurance policy or an additional endorsement to ensure you’re properly covered. If you’re a company employee, your employer may give you a company vehicle that has commercial car insurance coverage.
What kind of insurance does GrubHub provide for its drivers?
GrubHub doesn’t provide any insurance for its drivers. To drive for Grubhub, you must have your own auto insurance.
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Sources
- National Association of Insurance Commissioners. "Commercial Ride-Sharing."
- Insurance Information Institute. "Business Vehicle Insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
Edited bySarah Archambault
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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