Food Delivery Auto Insurance: Requirements & Rates for 2026
Do drivers need special food delivery auto insurance? In most cases, restaurants and food delivery apps don’t require any specific coverage type in order to work. Your insurance company, though, may require that you insure your vehicle with more than basic liability coverage. This commercial bump could mean paying double or triple the standard price of individual insurance.
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Table of Contents
Table of Contents
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Jeffrey Johnson
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Jeffrey Johnson
Updated August 2024
- Your insurance company will be more strict on coverage requirements than your delivery service.
- Some auto insurance companies may require a separate business policy in addition to your personal insurance if you are a delivery driver.
- In some cases, delivery drivers can see increased annual rates of up to three times more than standard personal auto policy.
Food delivery auto insurance requirements may be a tricky field to navigate. Auto insurance providers know the risks of the road, and delivery drivers see the brunt of it. This is why food delivery auto insurance rates may be higher than anticipated as you start comparing policies.
Food delivery drivers are more likely to get into an accident or have some related insurance claim, but some companies won’t break your bank. In some cases, your employer may even cover your damages.
If you’re ready to start comparing food delivery auto insurance quotes, use our free quote tool. Enter your ZIP code above to get free car insurance quotes from providers in your area.
Do you need special insurance to deliver food?
In most cases, food delivery don’t require much auto insurance. For example, places like GrubHub have vague language that doesn’t limit the type of insurance a driver must have to work from them. For companies like this, the best bet would be to follow your state’s minimum insurance rules.
Check out Free Advice’s state minimum liability coverage chart for a comprehensive look at the type of coverage required to be a legal driver in your state.
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What are food delivery driver auto insurance options?
Delivery driver insurance cost is rarely counterbalanced with employer insurance. A few companies offer food delivery insurance to their employees/contractors but keep in mind that this isn’t commonplace, nor are all food delivery insurance policies created equal.
Always compare policies and quotes before you buy food delivery insurance. Find your company on the table below to see if you can find affordable food delivery car insurance through work:
Food Delivery Auto Insurance Companies
| Company | Coverage |
|---|---|
| Amazon Flex | Yes; Liability: $1 million; Uninsured/Underinsured: $1 million; Comprehensive and Collision: $50,000 |
| Bitesquad | No |
| BringMeThat | No |
| Caviar | Yes; Up to $1 million per accident for medical expenses; $100,000 accidental death benefit and; $100,000 survivor's benefits (eligible dependents); Accidental Disability benefit up to $500 per week |
| Delivery.com | No |
| Domino's | No |
| DoorDash | Yes; Liability: $1 million (you have to exhaust your own coverage first) |
| EatStreet | No |
| Foodler | No |
| FreshDirect | Yes |
| Drivers use a company truck for deliveries | |
| Google Express | Yes |
| Drivers use a company truck for deliveries | |
| GrubHub | No |
| Instacart | No |
| Jimmy John's | No |
| Olive Garden | No |
| OrderUp | No |
| Panera | No |
| Papa John's | No |
| Peach | No |
| PeaPod | Yes |
| Drivers use climate control company trucks to deliver groceries | |
| Pizza Hut | No |
| Postmates | Yes |
| Liability: $1 million (you have to exhaust your own coverage first) | |
| Publix | No |
| Provides delivery through Instacart | |
| Round Table Pizza | No |
| Seamless | No |
| Shipt | No |
| UberEATS | Yes; Liability: $1 million; In between trips: $50,000 per person/accident; $100,000 per accident; $25,000 for property damage |
| Vons | Yes |
| Drivers use a company car for deliveries | |
| Walmart | No |
| Wedgy's | No |
If you don’t see your personal car insurance company listed, you may need to start shopping for coverage somewhere else. Some known delivery-friendly car insurance providers include:
- Progressive
- Geico
- Esurance
- Allstate
You must disclose to your insurance company that you are using your vehicle for work. Depending on the use, your company may require you to purchase business-type auto insurance in addition to personal coverage.
If you work for an independent or franchise owner, you may negotiate car insurance upon hire. Also, if your employer owns the delivery vehicle, that may change whether or not you need to buy food delivery auto insurance for yourself.
Do delivery services provide coverage for drivers?
If your company owns a delivery fleet or you are driving a company-owned vehicle on delivery, you do not have to provide your own car insurance. In this case, your employer is in charge of ensuring there is proper coverage for their vehicles.
What happens if you have an accident while delivering food?
After you’ve reported the accident — if need be — you need to file a claim with your insurance company or agent. Whether your employer supplies delivery drivers with insurance or not, calling the insurance company should be one of your first moves.
After you’ve filed your claim, you need to call your employer and let them know you’ve been in an accident. Each restaurant that offers delivery services may handle accidents differently. It’s best to speak with your employer about the specifics.
Food Delivery Auto Insurance: The Bottom Line
When you’re working in this line of the service industry, you want to make sure you’re protected. The product your carrying likely has some coverage on it, but you may not.
If you’re just starting out your search, food delivery auto insurance quotes may seem absurdly high to you. There are companies out there that could charge delivery drivers up to $300 or more for insurance.
Secure cheap food delivery car insurance rates by shopping around and comparing quotes from multiple companies. Enter your ZIP code below to get free insurance quotes from local companies in your area now.
Case Studies: Food Delivery Auto Insurance
Case Study 1: Personal Auto Insurance Coverage
Sarah recently started working as a food delivery driver for a popular app. She assumed her personal auto insurance would cover any accidents that might occur while making deliveries. However, after getting into an accident, she discovered that her insurance company considered her delivery activities as commercial use and refused to cover the damages.
This case highlights the importance of understanding the limitations of personal auto insurance and the need to explore alternative coverage options.
Case Study 2: Employer-Provided Insurance
John works for a restaurant that provides insurance coverage for its delivery drivers. When John got into an accident while on the job, he immediately contacted his employer, who guided him through the claims process and ensured that the damages were covered.
This case demonstrates the value of employers offering insurance coverage to their delivery drivers, providing them with protection and peace of mind.
Case Study 3: Comparing Insurance Quotes
Mary, a food delivery driver, decided to explore different insurance options to find the most affordable coverage. She used a free quote tool to compare insurance rates from multiple companies. By shopping around and comparing quotes, Mary was able to find an insurance policy that offered adequate coverage at a more reasonable price.
This case emphasizes the importance of researching and comparing insurance options to find the best rates for food delivery drivers.
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