Seamless Auto Insurance for 2021

If you are looking to begin driving with Seamless, the auto insurance you will need is commercial coverage. While adding commercial coverage to a personal use auto policy can raise your rates by 180%, this is a very necessary expenditure to get the proper Seamless auto insurance.

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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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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

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 Leslie Kasperowicz

UPDATED: Apr 8, 2021

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Seamless Auto Insurance Summary
Seamless Auto Insurance FactsSource
Seamless was founded in New York City in December,
Seamless' headquarters is in New York
As of January 2012 it has over 300
On August 9, 2013, Seamless merged with
Users can order from the Seamless website or their app.
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In the age of COVID-19, the food delivery industry is experiencing a massive boom, and it helps that you can set your own schedule with the food delivery service to make the money you need. Seamless is one of the companies benefiting from this. If you’re planning on driving for them, we can show you how to get the cheapest Seamless auto coverage possible.

We understand that finding the right insurer can be a bit of a hassle. Further complicating this process is the onset of the Coronavirus. This is why we will go through everything step by step so you know what to look for. Click the following link to learn more about Coronavirus automobile insurance rates, and type your ZIP code into our free, helpful tool above to find food delivery auto coverage quotes in your area.

Do you need Seamless food delivery driver insurance?

Should you become a Seamless delivery driver, you’re going to need coverage. However, just as there is no Postmates car coverage, there is no specific Seamless auto coverage.

You may be asking, “Do I need special insurance to be a delivery driver?” The following video will help to answer this question.

In addition to your state’s minimum coverage requirements, you will need a commercial delivery policy or commercial coverage. Let’s take a look at a table detailing the rates for Progressive delivery insurance.

Progressive Average Auto Insurance Rates for Food Delivery Drivers
Type of Food Delivery ServiceProgressive Average
Monthly Rates
Progressive Average
6-Month Ragtes
Progressive Average
Annual Rates
Average Rate Increase
Personal insurance (no delivery)$105.83$635.00$1,270.000.00%
Personal insurance (delivery)Won't CoverWon't CoverWon't CoverWon't Cover
Food delivery (business/personal)$296.83$1,781.00$3,562.00180.47%
Food delivery (business only)$273.08$1,638.50$3,277.00158.03%
Pizza delivery (business/personal)$296.83$1,781.00$3,562.00180.47%
Pizza delivery (business only)$273.08$1,638.50$3,277.00158.03%
Catering (business/personal)$235.08$1,410.50$2,821.00122.13%
Catering (Business Only)$216.92$1,301.50$2,603.00104.96%
Food truck (business/personal)$763.25$4,579.50$9,159.00621.18%
Food truck (business only)$434.42$2,606.50$5,213.00310.47%
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As you can see, your rates will be much higher if you have a combined personal and commercial policy. Even with the price hike, it is very important to inform your insurer that you’ll be driving commercially in order to get the proper coverage. If you fail to inform your insurer that you plan on making business use of your personal vehicle, they may strip you of your coverage. This is one of the many reasons why it is crucial to have a firm grasp on understanding automobile insurance.

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How are Seamless auto reviews?

Although Seamless has been in business for 21 years, they are not Better Business Bureau accredited. They do have an A- rating from the Better Business Bureau, though they note that Seamless failed to respond to a complaint filed against them. Furthermore, the average of their 45 customer reviews is a flat one-star rating. Most reviewers suggest ordering from their parent company, GrubHub.

If you get a Seamless delivery job, you must have a valid driver license, a clean driving record, and a reliable vehicle, as well s the proper food delivery driver coverage requirement. You must also have a valid driver‘s license and your state’s minimum auto insurance requirements.

Now that you know more about Seamless auto insurance, feel free to type your ZIP code into our helpful tool below to find a cheap commercial policy quote in your area.

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#1 – What does commercial insurance mean?

A commercial policy is a coverage requirement for businesses and corporations. In the case of delivery driving, your car is your business.

#2 – How do I become a Seamless delivery driver?

You can apply to work for Seamless via sites such as or directly through

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#3 – Does driving for food delivery increase insurance?

Yes, because you will be on the road more frequently due to the fact that you are using your car as a business, it is a requirement to have commercial coverage.

#4 – What are the food delivery driver requirements for insurance?

Most food delivery app companies, Seamless included, require that you have met your state’s minimum coverage requirements.

#5 – How much does an independent contractor food delivery driver’s insurance cost?

The usual cost of auto insurance for a delivery driver is between $104 and $225 per month.


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