Get Affordable Shipt Auto Insurance Quotes (2024)
If you plan on becoming a driver for Shipt, auto insurance is an absolute must. You will need to inform your insurer that you require commercial coverage. This form of coverage, in combination with personal coverage, can cost about $3,500 annually.
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Dani Best
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...
Licensed Insurance Producer
UPDATED: Dec 13, 2023
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.
UPDATED: Dec 13, 2023
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.
On This Page
| Shipt Auto Insurance Facts | Source |
|---|---|
| Most insurance policies do not cover business use of a personal vehicle. | consumer.ftc.gov |
| You do not have to own the car you drive while shopping with Shipt. | help.shipt.com |
| You do have to be insured on the policy that covers the car you drive. | help.shipt.com |
| You will most likely need a commercial auto policy. | consumer.ftc.gov |
| If you are not covered you may have to pay for medical care and car repairs from your own pocket. | consumer.ftc.gov |
In the age of COVID-19, the food delivery industry has attracted a lot of business for a customer at home wanting same-day deliveries. If you plan on driving for the grocery delivery service Shipt, you must have the proper auto insurance to do so. We will detail step by step how to obtain Shipt auto insurance coverage.
We understand finding the right insurer can be a bit of a hassle. Feel free to follow this link to learn more about Coronavirus car insurance rates, and type your ZIP code into our free, helpful tool above to find rates from insurers in your area.
Do you need special insurance for Shipt?
You may be asking, “Do I need special insurance to be a delivery shopper and driver?” There is no specific Shipt vehicle insurance policy. Instead, you will need to meet your state’s minimum coverage requirements. According to the Federal Trade Commission, you will also commercial insurance. The following video further describes what commercial coverage entails.
This is coverage specifically geared towards those who use their vehicles for business reasons, such as food delivery for a customer. The following table compares rates from Progressive for commercial and non-commercial policies.
Progressive Average Auto Insurance Rates for Food Delivery Drivers| Type of Food Delivery Service | Progressive Average Monthly Rates | Progressive Average 6-Month Ragtes | Progressive Average Annual Rates | Average Rate Increase |
|---|---|---|---|---|
| Personal insurance (no delivery) | $105.83 | $635.00 | $1,270.00 | 0.00% |
| Personal insurance (delivery) | Won't Cover | Won't Cover | Won't Cover | Won't Cover |
| Food delivery (business/personal) | $296.83 | $1,781.00 | $3,562.00 | 180.47% |
| Food delivery (business only) | $273.08 | $1,638.50 | $3,277.00 | 158.03% |
| Pizza delivery (business/personal) | $296.83 | $1,781.00 | $3,562.00 | 180.47% |
| Pizza delivery (business only) | $273.08 | $1,638.50 | $3,277.00 | 158.03% |
| Catering (business/personal) | $235.08 | $1,410.50 | $2,821.00 | 122.13% |
| Catering (Business Only) | $216.92 | $1,301.50 | $2,603.00 | 104.96% |
| Food truck (business/personal) | $763.25 | $4,579.50 | $9,159.00 | 621.18% |
| Food truck (business only) | $434.42 | $2,606.50 | $5,213.00 | 310.47% |
As you can see, driving commercially can drastically increase your rates, sometimes by as much as 180 percent. While this seems steep, it is preferable to the ramifications of getting into an accident without the proper coverage.
You may be wondering why do you need special insurance coverage to use your car for work. The more time you spend on the road puts you at more risk of an accident. This is why you may want to contact your insurer and raise your limits. If you plan on driving for Shipt, you’ll need to contact them regardless because if you use your vehicle for business purposes and fail to inform them, they can drop you from your policy.
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Does Shipt verify auto insurance?
Do you need car insurance to work for Shipt? Yes, Shipt verifies the existence of auto insurance coverage for all of their driving partners. This means you must have coverage in place prior to joining Shipt as a driver. If you do not have coverage, they are likely to deny your application.
Shipt’s insurance requirements essentially match the state you’re living in. The good news is that getting auto insurance as a Shipt shopper is not especially difficult, especially considering the difficult times we’re all living in where delivering food has become necessary for many United States citizens.
Now that you know more about Shipt auto insurance, feel free to type your ZIP code into our helpful tool below to find reasonable rates for a Shipt shopper in your area. Compare over 200 auto insurance companies at once!
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#1 – Does Shipt auto-renew and if so can I cancel Shipt auto-renewal?
For whatever reason, you may decide you don’t want Shipt anymore. Maybe you don’t need select items, had bad experiences, decided to instead do pickup, or are just going through unwanted subscriptions and want to cut out the subscription fee.
A Shipt membership through Target subscriptions will renew automatically, but you can cancel your food delivery services membership prior to the next annual membership fee renewal being charged. You can call them at (205) 502-2500 or email [email protected] to cancel your membership.
#2 – Does Shipt increase car insurance?
Yes, in the sense that adding commercial coverage to your policy will increase your premiums.
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#3 – Does submitting auto insurance information to Shipt make rates go up?
Simply submitting your information to Shipt will not elevate your premiums.
#4 – What pays more, Shipt or Instacart?
Shipt and Instacart (Read more: “affordable Instacart auto Insurance quotes” for more information) both pay their drivers about $15-$20 per hour.
#5 – Does Shipt offer health insurance?
Although Shipt does offer health insurance to their employees, their driving partners do not qualify.
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#6 – Does Progressive Insurance cover Shipt or Instacart?
Yes, Progressive offers commercial coverage for these and similar delivery services.
#7 – Is there a Shipt welcome package?
Yes, it includes an insulated delivery bag and two t-shirts.
#8 – For Shipt, how do I submit auto insurance info?
There is an application on their website that makes submitting auto insurance info extremely easy.
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Frequently Asked Questions
Do I need special insurance for Shipt?
There is no specific Shipt vehicle insurance policy. Instead, you will need to meet your state’s minimum coverage requirements and obtain commercial insurance.
Does Shipt verify auto insurance?
Yes, Shipt verifies the existence of auto insurance coverage for all their driving partners. You must have coverage in place before joining Shipt as a driver.
Does Shipt increase car insurance?
Adding commercial coverage to your policy for Shipt driving can increase your premiums.
Does submitting auto insurance information to Shipt make rates go up?
Simply submitting your information to Shipt will not impact your premiums.
Does Shipt offer health insurance?
Shipt does offer health insurance to their employees, but their driving partners do not qualify.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Dani Best
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...
Licensed Insurance Producer
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.