Auto Insurance for 2021

Buying auto insurance isn’t an option because the company doesn’t sell or offer it to its drivers. doesn’t employ its drivers either; instead, drivers are affiliated with the company. You’ll need to buy both a personal and commercial or food delivery auto insurance policy (like GEICO delivery insurance) when you’re shopping for auto insurance. You can compare rates from multiple companies to save on your delivery driver insurance cost.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

What You Should Know

  • doesn’t directly employ its delivery drivers; rather, they are affiliated with the company
  • Generally, delivery drivers use their own vehicles while out on delivery
  • You won’t be able to buy auto insurance from the company, and you’ll probably need both personal and commercial coverage to be protected while out on delivery

We know understanding auto insurance can be frustrating, and if you’re a delivery driver, the rules, expectations, and requirements can be even more confusing. But not to worry, if you’re looking for auto insurance information as a delivery driver, you’ve come to the right place.

What is the best way to save on delivery driver insurance costs? What is the best auto insurance company? Is GEICO delivery insurance a good option? How much are average auto insurance quotes? Read this article for the answers to your auto insurance questions.

Before we get started, why not enter your ZIP code in the free tool on this page to start comparing auto insurance rates as a delivery driver right now?

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

Being a delivery driver provides an avenue for earning extra money on your schedule. If you’re interested in becoming a delivery driver, there are a few things to keep in mind. drivers don’t work for but are instead affiliated with the company. In cities where operates, affiliated drivers can pick up deliveries from affiliated businesses, including anything from groceries to laundry. delivery drivers are required to have:

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

Now that we’ve covered the delivery driver basics, you’re probably wondering, do I need special insurance to be a delivery driver? While only requires valid proof of car insurance, you will need additional coverage.

Why? Personal auto insurance most likely won’t cover you when using your vehicle in a business context as a delivery driver. You’ll also need commercial coverage to be protected while you’re delivering for

So why does having the right insurance coverage as a delivery driver matter? Crosley Law reports that delivery drivers face higher accident and vehicle fatality rates than drivers in most other occupations, so having the right insurance protection is key.

Since you’ll be driving your personal vehicle, you won’t need to buy insurance for a company-owned vehicle, just your own.

Keep reading to find out more about where you can buy auto insurance and ways to save.

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Where can you get delivery driver auto insurance?

Most major auto insurance companies sell commercial car insurance coverage. In most cases, all you’ll need to do is reach out to your car insurance agent to ask about adding a commercial policy to your existing coverage.

On average, commercial insurance increases your rates by $150 per month.

A more affordable auto insurance alternative may be the delivery driver add-on. While not offered by every insurance company, it’s worth asking your insurance representative if it’s an option. Companies that offer a delivery driver add-on include:

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

Another way to save (regardless of whether you’re planning to purchase a full commercial policy or a delivery driver add-on) is to compare auto insurance rates from at least three companies to make sure you’re getting the best price for your coverage. You can use the free tool on this page to get started. Auto Insurance: The Bottom Line doesn’t employ delivery drivers; instead, drivers are affiliated with If you’re a delivery driver, you’ll need personal auto insurance to drive on the road legally and a commercial policy (or a delivery driver add-on) to have the protection you need when out on delivery.

All this coverage can be pricey, and if you’re not prepared to spend a significant portion of your driver pay on insurance, there are ways to save. Comparing rates from multiple companies and asking about the delivery driver add-on are two ways to reduce your rates.

Before you leave this auto insurance article, take a moment to use your ZIP code in our free tool to start comparing auto insurance rates for delivery drivers today.

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