Car Insurance: What to Know & How to Save (2021)

You won’t be able to buy auto insurance from doesn’t technically employ delivery drivers. Instead, as a driver, you’re simply affiliated with the company. If you’re driving your own vehicle, you’ll need both a personal and commercial auto insurance policy (like GEICO commercial auto insurance) or a delivery driver add-on.

Are you looking for free insurance quotes?

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 19, 2021

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The Highlights

  • As a delivery driver for, you’ll most likely need to use your own vehicle
  • You’ll need to purchase your own auto insurance since you’ll be driving your own vehicle
  • Both a personal and commercial policy may be necessary to make sure you have coverage when you’re working as a delivery driver

You can become one of’s network of delivery drivers if you live in a city in which currently operates (which is a growing market).

So what are the auto insurance requirements? Where can you buy car insurance? Do you need a commercial policy (like GEICO commercial auto or something similar)? Can you save by comparing car insurance rates? Keep reading to find out.

Want to find insurance as a delivery driver? Take a minute to use your ZIP code in our free tool to start comparing rates today.

What kind of car insurance do you need as a delivery driver?

As a driver, you don’t actually work for Instead, you’re simply affiliated with the company and can pick up deliveries (which can include general groceries, laundry, gift cards, and more) from local businesses that are also affiliated with’s local markets.

This can give interested drivers a way to earn extra money on their own time and schedule as well as opportunities for growth. does have a few requirements that affiliated drivers need to meet, including:

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

You’ll need to make sure you have the right car insurance coverage. Why is this important? Because according to Crosley Law, delivery drivers are one of the most dangerous occupations from the perspective of car accidents and vehicle fatalities.

So is a personal policy enough, or do you need a commercial policy as well? Your personal policy ensures you’re driving legally and have coverage if you’re in an accident on your own time. But if you’re driving for business as a delivery driver, your personal policy won’t be enough because it probably won’t apply when you’re out on delivery. A commercial auto insurance (or business coverage) policy is your best bet.

What about insurance coverage for a company-owned vehicle? This depends on your situation, but your personal policy probably won’t apply, and you’ll need to check with your employer to find out if their commercial coverage includes when you’re driving. If not, some form of supplemental or non-owners insurance may be necessary.

Where can you get the right coverage? Read on to find out.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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Where can you get delivery driver car insurance?

Most major insurance companies offer commercial policies that you can add to your personal coverage. For example, you can buy GEICO commercial auto insurance on top of your personal GEICO coverage. However, this can get expensive. Your car insurance rates will increase by an average of $150 per month when you add a commercial policy.

If you’re looking for a more affordable auto insurance option, one way to save is to consider a delivery driver add-on instead of a full commercial policy. This isn’t available from all insurance companies, but some that do offer it include:

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

Another option for saving (and one we highly recommend) is to compare auto insurance quotes from at least three insurance companies to make sure you’re getting the best, cheapest coverage for your needs. Car Insurance: The Bottom Line

As a driver, you aren’t technically employed by Instead, you’re simply affiliated with the company. To make sure you’re covered when you’re out on delivery, you’re going to need both a personal and commercial auto policy (or a delivery driver add-on).

Now that you know what kind of coverage you need as a delivery driver, why not use your ZIP code in the free tool on this page to start comparing quotes from insurers in your area right now.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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