Amazon Auto Insurance Review: Ratings and Quotes (2024)
Amazon car insurance protects drivers who deliver through the Amazon Flex program. Find out how Amazon auto insurance works, what it covers, and how much it costs.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Amazon Flex is a program that makes it easy for people to deliver packages for Amazon. Anyone can become a delivery partner by signing up on the Amazon Flex app, undergoing a background check, and picking up some shifts. The program offers flexible hours, pays roughly $18 to $25 per hour, and lets drivers deliver with their own vehicles.
Amazon protects Flex drivers with its Commercial Auto Insurance Policy while they make deliveries, but you’ll also still need your own personal car insurance. Here’s how this coverage works, how much it protects you, and how it stacks up against other auto insurance options.
Quick Facts
Amazon’s Commercial Auto Insurance Policy is only available to drivers who carry their own personal auto insurance policy.
The Commercial Auto Insurance Policy comes at no cost to delivery partners.
Amazon Flex insurance coverage isn’t available to New York drivers.
How Amazon auto insurance works
Amazon is the second-largest retailer in the world and employs well over a million people.[1][2] The e-commerce giant also works with many independent contractors through its Amazon Flex delivery program. The Amazon Commercial Auto Insurance Policy protects these contractors while they’re on the job.
The Amazon Commercial Auto Insurance Policy includes liability, uninsured motorist, comprehensive, and collision coverages. It only applies to drivers with personal auto insurance. All states require some form of car insurance to drive, so most delivery drivers should receive coverage.
Amazon doesn’t offer traditional insurance policies like Nationwide, State Farm, or other major insurance companies. Its commercial auto policies only protect Amazon Flex drivers while they’re on the job. While Amazon sells almost everything, it doesn’t sell personal auto insurance in the U.S.
The Amazon Commercial Auto Insurance Policy offers robust coverage for Amazon Flex drivers. It includes $1 million in auto liability coverage, well above any state’s minimum requirements for liability coverage. The policy also includes the following coverages:
Uninsured/underinsured motorist coverage: This covers damage or bodily injury caused by a driver without insurance or enough coverage to cover losses. For instance, if you’re on the job and a driver without insurance rear-ends you, you won’t be on the hook for repairs or medical expenses.
Contingent comprehensive and collision coverage: Amazon offers contingent collision and comprehensive coverage, which covers damage to your own car caused by an accident, theft, or severe weather. Speak with a representative at Amazon Flex to find out if you qualify for this coverage.
Good to Know
Amazon Flex drivers can drive knowing they’re covered by robust liability insurance, additional coverage if they get in a car accident with an uninsured driver, and contingent comprehensive and collision insurance that protects their vehicles.
How to get an Amazon car insurance quote
Amazon car insurance is always free to drivers, so you won’t have to go through the typical process of receiving a quote. You may want to contact the Amazon support line at 1 (888) 281-6906 to determine if you qualify for contingent collision and comprehensive insurance and to learn more about discounts you can earn on car maintenance and gas.
You’ll also need to make sure you have a personal auto insurance policy before you can qualify for the Amazon Commercial Auto Insurance Policy. Insurance experts recommend comparing quotes from at least three insurance companies before choosing a policy.
Amazon insurance reviews and ratings
Indeed and the App Store are full of drivers reviewing the Amazon Flex experience, though few mention the Amazon Commercial Auto Insurance Policy. The Indeed reviewer below criticizes the coverage options with Amazon Flex, indicating that they didn’t qualify for collision or comprehensive insurance.
On Trustpilot, Amazon ratings are low, at just 1.5 stars out of 5. Many drivers complain about the customer service, like the driver below.
This review doesn’t mention insurance products or roadside assistance specifically, but the flaws of the Flex support team might be of interest to drivers who get into an accident on the job and need to file a claim. Some drivers had a good experience with Amazon Flex, though, like the reviewer below.
How to file an auto insurance claim with Amazon
If you get into an accident or something is stolen from you on the job, you can contact the Amazon Emergency Helpline on the dashboard of the Amazon Flex app. Amazon advises drivers to contact 911 first if they’re in need of emergency services.
Speaking to the Amazon Emergency Helpline will help you determine if you should file a claim through your Amazon commercial auto insurance or your personal auto insurance. Drivers without collision or comprehensive insurance through Amazon must file a claim through their personal auto policy.
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Amazon car insurance FAQs
Delivery car insurance can be confusing. Below, you’ll find answers to some commonly asked questions about Amazon car insurance.
Is Amazon car insurance legitimate?
Yes. Amazon car insurance is legitimate. Amazon is one of the largest retailers in the world, so drivers won’t have to worry about the tech giant lacking financial strength. Amazon’s commercial auto insurance program hasn’t been linked to any fraudulent practices or received official customer complaints.
Is Amazon car insurance worth it?
The Amazon Commercial Auto Insurance Policy is free for Amazon Flex drivers, so it’s almost always worth it. As long as you already have a personal auto insurance policy, you’ll be protected on the road when you deliver for Amazon. Robust liability insurance and underinsured motorist coverage make this policy particularly strong.
What is the average cost of Amazon car insurance?
Amazon’s auto insurance is totally free for Amazon Flex drivers who already carry a personal car insurance policy.
Who owns Amazon insurance?
Jeff Bezos owns Amazon. He founded it in 1994 and served as its CEO until 2020. Andy Jassey is the current CEO of Amazon.
Who should get Amazon insurance?
All drivers with Amazon Flex should make sure they’re set up with the Amazon Commercial Auto Insurance policy. Drivers in New York, who can’t access Amazon’s commercial auto insurance program, should ask their current insurer if it offers commercial auto insurance policies.
Who insures Amazon Prime vehicles?
Amazon provides delivery partners with Amazon Commercial Insurance. This coverage includes liability, uninsured/underinsured motorist, and contingent collision/comprehensive coverage.
But this coverage is only available to drivers and only active when drivers are making a delivery and not when they’re off duty. As such, drivers must also carry their own personal car insurance in addition to their coverage from Amazon.
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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