Delivery.com Auto Insurance: Requirements & Rates for 2021

You won't be able to buy Delivery.com auto insurance from Delivery.com because it doesn't offer or sell food delivery auto insurance to its drivers. Delivery.com drivers don't work directly for Delivery.com either. To ensure you have the right Delivery.com car insurance, you'll need to buy both personal and commercial coverage (like GEICO food delivery insurance).

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Overview

  • As a Delivery.com delivery driver, you’ll probably be using your own vehicle when you’re out on delivery
  • You’ll need to buy your own Delivery.com auto insurance since you’ll be using your own vehicle
  • To have the right coverage as a delivery driver, you’ll need to buy commercial auto insurance in addition to your existing personal policy

Delivery.com delivery drivers have unique food delivery auto insurance needs, and you probably have some questions.

Can you buy Delivery.com auto insurance? How much are average Delivery.com auto insurance rates? Do you need commercial coverage like GEICO food delivery insurance? Where can you find car accident and automobile injury resources? Will you need to buy insurance for company-owned vehicles? Is Delivery.com driver pay enough to cover the insurance you need?

Read this article to find out what you need to know about car insurance as a Delivery.com food delivery driver.

Before we jump in, take a minute to enter your ZIP code into the free tool on this page to start comparing auto insurance rates for Delivery.com delivery drivers right now.

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

Delivery.com doesn’t actually employ delivery drivers. Instead, if you deliver for Delivery.com, you’re affiliated with the company. Affiliated drivers pick up deliveries from businesses in their area that also have a Delivery.com affiliation.

You may be wondering, do you have to have car insurance to be a delivery driver? The short answer is yes, and drivers affiliated with Delivery.com definitely have to buy coverage. Take a look at this list of requirements you’ll need to meet if you plan to drive for Delivery.com.

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

As you can see, valid proof of insurance is necessary. But this only really means you’ll need minimum liability coverage. Is a personal policy enough coverage for delivery drivers? Unfortunately, your personal policy probably won’t cover you when you’re using your vehicle for business (and this includes working as a delivery driver).

When you’re using your vehicle as a way to create income, you’ll need a commercial car insurance policy (in addition to your mandatory personal coverage).

Does having coverage that protects you while you’re delivering really matter? According to Crosley Law, the short answer is yes because delivery drivers are more likely to get in an accident or vehicle fatality than individuals in almost any other occupation. Keep reading to find out where you can get this important coverage.

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

Commercial coverage is available for purchase from most major insurance companies, and your current insurer probably has a policy you can buy. However, be prepared for a rate increase because a commercial policy will cost you an average of an extra $150 per month.

If your budget can’t take the extra strain, don’t worry. We’ve got some tips and other options for you to consider. A more affordable Delivery.com auto insurance coverage alternative is the delivery driver add-on. This add-on can be attached to your current personal policy and is typically cheaper than a full commercial car insurance policy.

However, not every company offers this option, so you’ll need to speak with your insurance agent to find out whether it’s available to you. Companies that do offer this coverage include:

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

If the delivery driver add-on isn’t an option for you, or even if it is, and you’re looking for other ways to save, your best bet is to compare rates. We recommend getting Delivery.com auto insurance quotes from at least three companies to ensure you’re getting the cheapest rates. And we’ve made it easy for you—you can use the tool on this page to get started.

Delivery.com Auto Insurance: The Bottom Line

Delivery.com drivers are affiliated with Delivery.com, rather than employed by them, and can deliver anything from groceries to laundry from affiliated businesses. If you’re looking for ways to make extra cash and you live in a city where Delivery.com operates, you can become a Delivery.com driver and work on your own schedule.

While you only need minimum liability coverage to meet the proof of insurance requirement set by Delivery.com, if you want to be protected while you’re out on delivery, you’ll need to buy commercial coverage or a delivery driver add-on as well.

If you’re ready to start comparing auto insurance quotes for Delivery.com delivery drivers, take a minute to enter your ZIP code in our free tool to get your first quote today.

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Enter your ZIP code below to compare cheap insurance rates.

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