Although DoorDash offers car insurance for delivery people, the company only offers basic liability insurance. The best auto insurance companies that offer full coverage policies for DoorDash couriers are Geico, Progressive, and State Farm. Hopefully you now have a little more knowledge about some of the most important aspects of car insurance when it comes to driving for Uber, Lyft, or any of the delivery services. Whether you're looking to make a little extra money or you want to turn food delivery into a steady stream of income, you might be wondering if you first need to update or change your car insurance policy.
Depending on what your insurance company and state require, you may need to have commercial and personal auto insurance to meet DoorDash's insurance requirements. Delivery driver insurance companies cover you and your car when they transport food, food and deliveries from Amazon. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. We'll also answer other common driving-related insurance questions for DoorDash, such as if you need to tell your insurance company that you're driving as part of a food delivery service.
While these services offer insurance coverage to their drivers, it's crucial that drivers also have personal auto insurance policies that provide adequate coverage. Since DoorDash requires drivers to purchase their own insurance, the cost of insurance for a DoorDash driver can vary significantly depending on the state, the insurance company and the policy. Check with a Geico agent in your area to see if they offer a personal auto insurance policy that covers food delivery. Most insurance providers that cover rideshare insurance and delivery driver insurance offer it as an add-on.
While DoorDash has a commercial auto insurance policy that applies while the driver is on “active delivery,” this isn't enough coverage for the driver on its own. While Geico doesn't offer “DoorDash” insurance, the insurance company does offer personal policies in some states that will cover your vehicle no matter what it's used for, including business use. While delivery services are often excluded from standard auto insurance policies, this temporary change to Farmers brand policies will allow customers to expand their current personal insurance coverage for cars and motorcycles. Geico car insurance for delivery people and ridesharing is usually a little more expensive than insurance for personal use.
Even if you think that driving for DoorDash won't involve any changes in your insurance coverage, it's a good idea to contact your insurance company if you ever start driving for a business-related reason that you haven't mentioned yet.