Amazon Flex Delivery Auto Insurance: Requirements & Rates for 2026
Amazon Flex delivery auto insurance only applies when delivering for Amazon. Car insurance from Amazon includes $50,000 in vehicle coverage, $1M in uninsured driver coverage, and $1M in liability.
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Insurance Content Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Daniel S. Young
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated January 2025
If you’re a delivery driver who currently delivers for Amazon Flex or is considering doing so, you probably have many questions about the car insurance requirements.
Is there an Amazon delivery car insurance option? Can you buy Amazon Flex delivery auto insurance? Is there affordable Flex auto insurance from other insurance companies? How much are the average Amazon Flex delivery auto insurance rates? What happens if you’re in an accident while delivering for Amazon? Are there car accident and automobile injury resources?
Read this article for the answers to your questions about Amazon Flex delivery car insurance.
Before reading through our Amazon Flex delivery driver auto insurance review, why not enter your ZIP code in our free tool to start comparing rates for delivery drivers from insurance companies where you live?
- As an Amazon Flex delivery driver, you qualify for Amazon’s free commercial car insurance coverage
- Amazon Flex delivery auto insurance provides $50,000 in vehicle damages for your vehicle, $1 million in damages and injury protection if you’re in an accident with an uninsured/underinsured driver, and $1 million in liability coverage for other drivers
- Amazon Flex car insurance only applies when you’re delivering for Amazon, so when you’re using your vehicle for personal reasons or delivering for other companies, you won’t be covered by the Flex policy
What kind of Amazon Flex Delivery Auto Insurance You Need
Do you have to have car insurance to be a delivery driver, and if so, what kind? Any time you get behind the wheel, you’ll need at least enough car insurance to meet the minimum liability requirements set in your state to drive legally. However, is this coverage enough when you’re delivering for Amazon Flex (or other delivery-based companies)?
Typically, you’ll need more than just personal coverage when you use your vehicle to make deliveries because this isn’t included in most personal policies. You’ll also need commercial auto insurance coverage.
As a delivery driver, you face a higher accident and vehicle fatality rate than most other occupations (according to Crosley Law), so it’s important that you have the right coverage.
So what is Amazon Flex auto insurance, what’s covered, how much does it cost, and why do you need it? Amazon Flex is a free commercial policy offered by Amazon to its delivery drivers.
Since Amazon Flex is free, you won’t need Amazon Flex delivery auto insurance quotes. And with Flex car insurance, you’ll have coverage that includes:
- $50,000 in damages to your vehicle (if you have comprehensive and collision on your personal policy)
- $1 million in personal injury and property damage for you and your vehicle if you’re in an accident with an uninsured/underinsured driver
- $1 million in liability coverage for third-party individuals or vehicles (when you’re at fault in an accident)
It’s important to note that the Flex auto policy only applies when you’re picking up, delivering, or returning packages for Amazon, so you’ll still need personal coverage through a traditional insurer (and a commercial policy if you deliver for other companies).
This video details Amazon Flex insurance and what types of coverage you may need as a delivery driver.
Even if you only deliver for Amazon Flex and are therefore covered by the service when you’re out on delivery, it’s still a good idea to let your insurer know you’re using your vehicle for deliveries. That way, there’s no concern from your insurance company that you’re committing fraud of any kind.
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Where Else You Can Get Amazon Auto Insurance
Since Flex auto insurance only covers you when delivering for Amazon, you may be wondering what insurance companies cover delivery drivers and how much it will cost you.
You should be able to purchase commercial coverage from most (if not all) major insurance companies, but you will see a significant increase in your rates (an extra $150 per month on average).
One way to save on coverage for delivery drivers is to ask about the delivery driver add-on. This coverage is not available from every insurer, but those that do offer it include:
- Crump Property & Casualty
- Geico
- International Property & Casualty
- Progressive
- State Farm
- Sunderland Insurance
Another way to save is by comparing rates. It’s good practice to compare quotes from at least three different insurance companies to make sure you’re getting the best price. And you can use the free tool on this page to get your first quote today.
Case Studies: Amazon Flex Delivery Auto Insurance Experiences and Considerations
Case Study 1: John’s Experience With Amazon Flex Delivery Auto Insurance
John, a delivery driver for Amazon Flex, was involved in an accident while making a delivery. He was relieved to find out that Amazon Flex provides auto insurance coverage for its drivers. The coverage included $50,000 in vehicle coverage, $1 million in uninsured driver coverage, and $1 million in liability. This ensured that John’s vehicle damages and any potential liabilities were taken care of.
Case Study 2: Sarah’s Search for Affordable Flex Auto Insurance
Sarah, a new delivery driver considering working for Amazon Flex, wanted to find affordable auto insurance options. She discovered that Amazon Flex offers free commercial policy coverage for its drivers. However, she also explored other insurance companies that provide coverage for delivery drivers. Sarah compared quotes from different insurers and found a competitive rate that suited her needs.
Case Study 3: Mark’s Additional Commercial Coverage for Multiple Delivery Services
Mark, an experienced delivery driver, worked for multiple delivery-based companies, including Amazon Flex. He knew that the free auto insurance policy provided by Amazon Flex only covered him during Amazon deliveries. To ensure comprehensive coverage, Mark obtained additional commercial auto insurance from his chosen insurer. This way, he had the necessary protection while working.
Amazon Car Insurance: The Bottom Line
Amazon offers Flex auto insurance to Amazon Flex delivery drivers for free. This coverage includes $50,000 in damages to your vehicle (if you qualify), $1 million in uninsured/underinsured motorist coverage, and $1 million in liability coverage if you’re at fault in an accident.
Flex car insurance only applies when you’re out on delivery for Amazon, so you’ll still need personal coverage. And if you deliver for other services, you’ll need additional commercial coverage as well.
Now that you’ve read our Amazon Flex delivery driver auto insurance review take a minute to use your ZIP code in the free tool on this page to compare rates from insurance companies in your area.
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