Best Auto Insurance for Shipt Drivers in 2025 (Find the Top 10 Companies Here)
If you're a Shipt driver, the best auto insurance options are State Farm, Geico, and Farmers. State Farm costs around $142/month, Geico is at $128/month, and Farmers is about $155/month. These providers offer great coverage and flexible policies that fit the needs of delivery drivers, making them top picks for the job.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Apr 29, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
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: Apr 29, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
18,154 reviewsCompany Facts
Full coverage in Norfolk VA
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Full coverage in Norfolk VA
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
3,072 reviewsCompany Facts
Full coverage in Norfolk VA
A.M. Best Rating
Complaint Level
Pros & Cons
3,072 reviewsShipt drivers get the best auto insurance from Geico, State Farm, and Farmers. Geico has the cheapest rates at $128/month, while State Farm offers a good mix of price and coverage at $142/month. Farmers, at $155/month, provide flexible policy options. Geico is the best pick for its budget-friendly rates and solid protection.
Finding the right auto insurance as a Shipt driver isn’t just about meeting state requirements—it’s about protecting yourself while making deliveries. Not all policies cover gig work, so choosing the right provider can save you from unexpected costs. We’ve rounded up the top 10 auto insurance options that offer solid protection for delivery drivers like you.
Our Top 10 Company Picks: Best Auto Insurance for Shipt Drivers
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Rates | State Farm |
 | #2 | 25% | A++ | Flexible Policies | Geico |
 | #3 | 20% | A | Custom Options | Farmers |
 | #4 | 10% | A+ | Affordable Plans | Progressive |
 | #5 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #6 | 20% | A+ | Affordable Bundles | Nationwide |
 | #7 | 25% | A | Policy Flexibility | Liberty Mutual |
 | #8 | 25% | A | Tailored Discounts | American Family |
 | #9 | 13% | A++ | Broad Coverage | Travelers |
 | #10 | 25% | A+ | Local Support | Erie |
The right auto insurance gives you peace of mind while making deliveries for Shipt. These top picks offer the coverage you need, whether it’s for everyday driving or gig work. Compare your options and find the best fit for your budget and needs!
Find the best auto insurance company near you by entering your ZIP code into our free quote tool above.
- Not all policies cover gig work—choose insurers that protect Shipt drivers
- Look for coverage that includes delivery driving to avoid potential claim denials
- State Farm offers top-tier protection with policies tailored for gig drivers
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#1 –State Farm: Best Overall for Shipt Drivers
Pros
- Delivery Coverage While Driving for Shipt: State Farm auto insurance review offers specific policy options that protect you during active deliveries.
- Efficient Claims Process: Accidents are handled promptly, so you can return to the road with minimal downtime.
- Accessible Local Agents: In-person help is available if you prefer working with someone who understands local delivery challenges.
Cons
- Higher Rates for Gig Drivers: Premiums may cost more if you regularly use your car for Shipt deliveries.
- Fewer Introductory Discounts: New customers may not find as many price breaks as other insurers.
#2 – Geico: Best for Affordable Rates
Pros
- Great for Budget-Conscious Drivers: Geico auto insurance review keeps costs low, making it a solid choice for Shipt drivers who want to save on insurance.
- Quick and Easy Online Process: Get a quote, adjust your policy, and file claims online—all without the hassle of visiting an office.
- Extra Coverage for Delivery Drivers: Geico’s rideshare add-on helps protect Shipt drivers while working, filling gaps in standard policies.
Cons
- Not Many Local Agents: If you like face-to-face service, Geico’s online-first approach might not be ideal.
- Basic Policies May Not Cover Deliveries: A standard policy might leave Shipt drivers unprotected on the job without adding extra coverage.
#3 – Farmers: Best for Rideshare and Delivery Coverage
Pros
- Built for Delivery Drivers: Farmers Auto Insurance Review offers coverage that protects Shipt drivers while they are working.
- Flexible Add-Ons: Customize your policy with extras like roadside assistance or accident forgiveness.
- Easy Access to Real Agents: Need help? Farmers have agents who can answer questions and guide you through claims.
Cons
- Can Be More Expensive: Premiums for delivery-friendly coverage may be higher than those of budget insurers.
- Availability Varies by State: Some Shipt drivers may not have access to all coverage options depending on where they live.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#4 – Progressive: Best for Customizable Policies
Pros
- Flexible Delivery Coverage Options: Progressive auto insurance reviews offer rideshare endorsement to cover you during Shipt deliveries.
- Name Your Price Tool: Helps find a policy that meets your budget without cutting essential protections.
- Safe Driving Incentives: Earn discounts by driving responsibly with Progressive’s Snapshot program.
Cons
- Delivery Coverage Not Available Everywhere: Rideshare add-ons may not be offered in every state.
- Can Be Pricey with Driving Violations: Past accidents or tickets can lead to higher premiums.
#5 – Allstate: Best for Strong Claims Support
Pros
- Comprehensive Delivery Protection: Allstate auto insurance review offers add-ons to cover gaps when driving for Shipt.
- 24/7 Claims Assistance: Helps Shipt drivers quickly recover from accidents without disrupting work schedules.
- Safe Driver Savings: Rewards consistent, clean driving with reduced premiums.
Cons
- Above-Average Premiums: Typically more expensive than competitors with fewer perks for gig workers.
- Must Add Rideshare Coverage: Delivery protection isn’t built into standard auto policies.
#6 – Nationwide: Best for Consistent Discounts
Pros
- Reliable Coverage for Shipt Drivers: Nationwide auto insurance review offers policies that help protect you while making deliveries.
- Plenty of Ways to Save: Get discounts for safe driving, bundling, and staying loyal.
- Deductible Shrinks Over Time: Safe drivers can lower their deductibles the longer they go without an accident.
Cons
- Rideshare Coverage Not in Every State: Some Shipt drivers may not have access to complete delivery protection.
- Premiums Can Be Higher: Rates may be on the pricier side compared to budget-focused insurers.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#7 – Liberty Mutual: Best for Flexible Coverage Options
Pros
- Customizable Coverage for Shipt Drivers: Adjust your policy to protect you while delivering.
- Plenty of Discounts: In the Liberty Mutual auto insurance review, save with options like safe driver rewards and family plan discounts.
- Accident Forgiveness Perk: Your rate won’t increase automatically after your first accident.
Cons
- Rideshare Coverage Isn’t Standard: You may need to add extra protection to cover Shipt deliveries.
- Rates Can Be Pricey: Premiums might be higher than some budget insurers, especially without discounts.
#8 – American Family: Best for Personalized Service
Pros
- Covers You on the Job: American Family Auto Insurance Review offers policies that help protect Shipt drivers while delivering.
- Friendly, Local Support: Agents provide one-on-one help, making insurance easier to understand.
- There are lots of Ways to save. Discounts for safe driving, bundling, and low mileage can help lower costs.
Cons
- Not Available Everywhere: Some Shipt drivers may not have access to coverage in their state.
- Delivery Coverage May Cost Extra: You might need to add rideshare insurance for complete protection.
#9 – Travelers: Best for Comprehensive Coverage
Pros
- Strong Coverage for Shipt Drivers: Policies can be adjusted to help protect you while delivering.
- Significant Savings for Safe Drivers: Travelers auto insurance review Discounts reward Shipt drivers with clean records and good habits.
- Plenty of Customization Options: Add extras like roadside assistance or accident forgiveness.
Cons
- Limited Rideshare Coverage: Some Shipt drivers may need additional coverage for full protection.
- Higher Rates for Some Drivers: Premiums can be expensive, especially without discounts.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#10 – Erie: Best for Competitive Rates and Customer Satisfaction
Pros
- Reliable Protection for Shipt Drivers: Erie auto insurance review offers coverage that keeps you insured while delivering.
- Helpful Customer Support: Agents are easy to reach, and claims are processed without hassle.
- No Surprise Rate Hikes: Your premium stays the same unless you change your insurance policy.
Cons
- Limited Availability: Erie isn’t available in every state, so some Shipt drivers won’t have access.
- Extra Cost for Delivery Coverage: You may need to add rideshare insurance to stay fully covered.
Shipt Drivers Insurance Rates by Coverage Level
Finding the right auto insurance as a Shipt driver means balancing cost and coverage. Below, we break down monthly insurance rates by provider and coverage level to help you make an informed choice.
Shipt Drivers Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $62 | $168 |
| $56 | $160 |
| $49 | $138 |
| $58 | $156 |
| $52 | $140 |
| $65 | $176 |
| $54 | $152 |
| $50 | $145 |
| $48 | $134 |
| $53 | $149 |
Auto insurance rates can vary, but finding the best balance of affordability and protection is key. Compare your options and choose a policy that keeps you covered while on the road.
State Farm, boasting an impressive 95% customer satisfaction rating, sets the benchmark for unmatched reliability and excellence in insurance.
Chris Abrams Licensed Insurance Agent
Start by comparing a few quotes side by side. Don’t just focus on the monthly cost—take a closer look at what each policy includes. Some might include extras like roadside help or rental car coverage, while others could charge more for the same stuff.
Also, consider your driving habits. If you’re on the road a lot, paying a little more for better protection might be worth. If you only drive occasionally, a basic plan could be enough. Either way, the goal is to find a policy that fits your lifestyle and budget without exposing you when things go wrong.
Best Auto Insurance Discounts for Shipt Drivers
As a Shipt driver, your car is your livelihood, so finding the best auto insurance discounts can make a big difference. Many top providers offer special savings tailored for gig workers like you. Let’s explore the best deals to help you save on coverage without cutting corners.
Auto Insurance Discounts From the Top Providers for Shipt Drivers
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft, New Car, Early Signing, Responsible Payer, Smart Student, Drivewise Usage-Based Program, Vehicle Safety, eSmart Paperless |
| Multi-Policy, KnowYourDrive Usage-Based, Loyalty, Safe Vehicle, Generational (Legacy), Teen Safe Driver, Early Bird, Accident-Free, Low Mileage, AutoPay |
| Multi-Policy, Safe Driver, Young Driver, Car Safety Features, Reduced Usage, First Accident Forgiveness, Annual Payment, College Student, Vehicle Age |
| Multi-Policy, Good Student, Homeownership, Alternative Fuel, Signal Usage-Based Program, Mature Driver, Business Professional, Shared Family Car, Paperless Billing |
| Good Driver, Multi-Policy, Emergency Deployment, Vehicle Equipment, Seat Belt Use, Military, Federal Employee, New Vehicle, Good Student, Driver's Education |
| Multi-Policy, Accident-Free, Vehicle Safety, Early Shopper, RightTrack Usage-Based Program, Good Student, Military, Paperless Billing, Alternative Energy Vehicle |
| SmartRide Usage-Based, Multi-Policy, Paperless Billing, Safe Driver, Anti-Theft, Accident-Free, Passive Restraint, Family Plan, New Vehicle, Long-Term Policyholder |
| Multi-Policy, Snapshot Usage-Based, Continuous Insurance, Teen Driver, Homeowner, Safe Driver, Pay-in-Full, Online Quote, Automatic Payment, Distant Student |
| Multi-policy, Safe Driver, Accident-Free, Defensive Driving, Good Student, Vehicle Safety, Passive Restraint, Anti-Theft, Drive Safe & Save Usage-Based Program |
| IntelliDrive Usage-Based, Multi-Policy, Early Quote, Good Payer, Homeownership, Hybrid/Electric Vehicle, Continuous Coverage, Safe Driver, Driver Training, EFT Discount |
Getting the right coverage at the best price is key to keeping your Shipt business running smoothly. Take advantage of these discounts and drive confidently, knowing you’re covered for less.
Keeping your car covered without overpaying is a win for any Shipt driver. These discounts can help you save while staying protected on the road. Don’t wait—check out your options, lock in a great deal, and deliver confidently. A little savings on insurance means more money in your pocket for what really matters!
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Comparing Auto Insurance Premiums for Shipt Drivers
Auto insurance companies’ costs can add up fast for Shipt drivers, but how much are most actually paying? This report breaks down premium rates to help you see where you stand and find potential savings.
Shipt Drivers Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Coverage Options Available | A | Variety of options tailored for gig work |
| Flexibility of Policy | B+ | Flexible coverage based on driving hours |
| Customer Support | B | Decent customer service from insurers |
| Insurance Rates for Shipt Drivers | B | Rates are higher due to gig work |
| State-Specific Variability | B | Premiums vary by state and laws |
| Affordability | C | Insurance is more expensive for gig drivers |
| Claims Process | C | Some delays and challenges in claims |
Knowing how your insurance rates compare can help you spot savings and get the best deal. Take a closer look, explore your options, and make sure you’re not overpaying!
Shipt Auto insurance costs can add up fast for Shipt drivers, but how much are most actually paying? State Farm stands out with competitive rates—see how they compare and where you might save.
Try our insurance comparison tool to get the most affordable auto insurance quotes. Enter your ZIP code to start comparing auto insurance rates available in your area.
Frequently Asked Questions
Does Shipt Require Car Insurance?
Yes, Shipt requires every shopper to have valid auto insurance. This is part of the Shipt insurance requirements, and proof of coverage must be submitted during the application process.
Does Shipt Provide Any Auto Insurance?
No, Shipt does not provide auto insurance for drivers. As an independent contractor, you’re responsible for your own Shipt car insurance policy and ensuring it meets legal and company requirements.
What Kind of Car Insurance Do I Need for Shipt?
You’ll need personal auto insurance that meets your state’s minimum automobile liability coverage. However, it’s also smart to consider delivery driver-specific coverage or commercial use endorsements. Some providers, like State Farm, offer delivery driver insurance policies.
What Are the Shipt Driver Insurance Requirements?
Shipt shoppers must have a valid driver’s license, current auto insurance, and a vehicle that meets the Shipt requirements. You must upload proof of insurance during onboarding.
Does Shipt Notify Your Insurance Company?
No, Shipt does not contact your insurance company. However, your insurer could deny claims if you get into an accident while working and haven’t disclosed that you use your car for delivery work.
Can I Drive for Shipt Without a Car?
You can’t deliver for Shipt without access to a reliable vehicle. While the car doesn’t have to be yours, you must still meet the Shipt car insurance requirements.
What’s the Best Insurance for Shipt or Instacart Drivers?
Look for flexible delivery driver coverage providers, such as State Farm, Geico, or Progressive. These companies often have ride-share or delivery-specific endorsements to protect you while working.
Does Shipt Offer Health Insurance?
No, Shipt does not offer health insurance directly. As independent contractors, Shipt drivers must find coverage through the health marketplace or third-party providers.
See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool.
What If My Insurance Doesn’t Cover Delivery Work?
If your policy excludes delivery work, consider switching to a company that offers commercial or hybrid auto coverage. Driving for Shipt without proper insurance could leave you personally liable for damages.
How Do I Show Proof of Insurance to Shipt?
During sign-up, you’ll be asked to upload proof of insurance. Ensure your name, policy number, and expiration date are clearly visible. This fulfills the Shipt proof of insurance requirement.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
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.