Walmart Food Delivery Auto Insurance for 2022

When it comes to Walmart food delivery auto insurance, their site doesn't mention whether or not they provide drivers with commercial coverage while driving. With this uncertainty being the case, you'll absolutely need commercial coverage, which costs about $1,700 annually.

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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: Jun 16, 2022

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Food Delivery Auto Insurance Summary
Walmart Food Delivery Auto Insurance FactsSource
Most insurers do not provide retail insurance coverage for delivery
You must tell your insurer that you'll be using your own vehicle to deliver
If you do not inform your insurer that you'll be using your personal vehicle for commercial means it is technically insurance
Your premiums will most likely rise by about 50 percent or more when you start driving
If you don't tell your insurer you're driving commercially and get in an accident, they will likely drop
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In the age of Covid-19, with dwindling unemployment rates and rampant uncertainty, many people are turning to delivery driving as a source of primary or secondary income. It is of the utmost importance that you are prepared to do so legally with the proper insurance.

We will go through Walmart food delivery and auto insurance step by step so you can find which insurer is right for you. We understand that finding the right insurer can be a bit of a hassle. You’re probably asking, “Do I need special insurance to be a delivery driver?” We will cover everything in this guide.

Before learning more about Walmart’s food delivery auto insurance, type your ZIP code into our free tool above to find reasonable rates from insurers in your area who provide commercial insurance.

Is being a delivery driver for Walmart the same as being an Uber driver?

One of the main similarities between these two services is the lack of insurance coverage provided by the company. According to the Insurance Information Institute, most standard auto insurance policies will not cover you while you are providing ride-sharing or delivery services.

The primary difference is that when you’re driving Uber, and the app is turned on, you are provided with a small amount of liability coverage from the company. This is because you are transporting passengers. In short, one service carries passengers, one does not.

So, who delivers for Walmart grocery? The company utilizes the assistance of several companies including Postmates, Roadie, Point Pickup, and DoorDash. No matter for whom you drive you’ll need coverage.

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Do you need extra insurance to deliver food?

What you need for delivering groceries, i.e. from Walmart, is commercial coverage. Here’s a video from Travelers Insurance that discusses commercial auto insurance.

Fortunately, there are ways to learn how to find inexpensive commercial auto coverage.

Let’s take a look at a table comparing rates for commercial coverage and other forms of coverage.

Average Annual Auto Insurance Rates by Coverage Type
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As you can see, your rates rise substantially upon informing your insurer that you’ll be driving commercially. Even still, this is well worth doing because the ramifications of committing insurance fraud are far more severe than elevated premiums.

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The Risks of Not Carrying Auto Insurance

If you get into an accident while driving without having told your insurer you are driving commercially, it is very likely they will cancel your policy. Even if you have some insurance, but not enough, your insurer could decline to pay out for damage to another driver’s car if you get into an accident.

Furthermore, you would be subject to very expensive lawsuits from the crash. This includes damage to another person’s property or health. This is why it is critical to both have all of your state’s mandated coverages and to inform your insurer that you plan to use your car to deliver groceries.

Hopefully, we have answered all of your questions today. If we haven’t, fear not, because we’re going to conclude with an FAQ section.

Now that you know more about Walmart’s food delivery auto insurance, please feel free to type in your ZIP code into our tool below to find reasonable rates for commercial insurance for delivery drivers in your area.

Frequently Asked Questions: Walmart Food Delivery Auto Insurance

We hope we’ve answered all your questions, but just in case, take a look at some common questions below.

#1 – Do you tip the Walmart grocery delivery person?

Walmart doesn’t expect or require customers to do so, but it is fairly common to leave your delivery driver a tip.

#2 – Is there Doordash auto insurance?

No, you will have to get a policy through your insurance provider.

#3 – Is there State Farm or Progressive food delivery insurance?

Yes, both of these companies provide coverage for delivery drivers.

#4 – How much does it cost for Walmart to deliver groceries?

Walmart charges between $7.95 and $9.95 per order.

#5 – Do you need auto insurance for Instacart?

Yes, you’ll need to inform your insurer that you are driving for Instacart and get a commercial policy.

#6 – How can I get free delivery from Walmart

They have free next-day or two-day shipping on orders over $35.

#7 – What is the minimum order for Walmart delivery?

Grocery services require a minimum order of $30.

#8 – How do I get groceries delivered from Walmart?

The customer places their order online at or on the Walmart Grocery app.

#9 – Does Walmart delivery bring groceries inside?

They will do so if you request them to do so.

#10 – How does Walmart unlimited delivery work?

Delivery Unlimited enables customers to pay $98 per year or $12.95 per month to make unlimited online grocery orders.

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