Amazon Flex Delivery Auto Insurance: Rates & Requirements (2021)

Searching for Amazon Flex auto insurance? Amazon Flex does provide their own auto insurance. They require a separate auto insurance policy that already includes comprehensive and collision coverage for this coverage to be available for their drivers. Learn more. Amazon Flex is free to Amazon Prime Now drivers and will cover up to $1 million in damages to third-party vehicles and up to $50,000 in damage to your vehicle. Keep in mind that Amazon Flex will only cover you while performing Amazon deliveries. You will still need to carry a personal auto insurance policy. Learn more.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • Amazon Flex is a commercial delivery process offered by Amazon to its delivery drivers.
  • The Amazon Flex policy is free to all Amazon Prime Now drivers.
  • Drivers are only covered by Amazon Flex during the normal course of their delivery duties.

If you are an Amazon delivery driver, it’s important that you have proper auto insurance coverage, especially if you are using your personal vehicle for deliveries. Amazon Flex delivery auto insurance is commercial auto insurance offered by Amazon to cover their drivers in case of an accident.

Whether you are looking for personal or commercial auto insurance quotes, use our free tool above to find multiple auto insurance rates near you.

What is Amazon Flex delivery auto insurance?

As mentioned above, Amazon offers Amazon Flex commercial auto insurance to its drivers to cover any gaps that the driver’s personal insurance may not cover during delivery services.

Since you don’t need to shop around at other insurance companies and buy your own commercial insurance, Amazon’s auto insurance coverage can save you money. Here’s a look at what commercial auto insurance could cost.

Average Annual Auto Insurance Rates for Commercial Auto Insurance by Vehicle Type
Vehicle TypeMinimum Annual Rates for Commercial Auto InsuranceMaximum Annual Rates for Commercial Auto Insurance
Car$600$2,400
Semi$8,000$12,500
Cargo/Delivery Van$3,300$6,200
Limo$4,000$6,000
Cab$5,000$10,000

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Amazon Flex car insurance includes basic types of auto insurance like liability coverage, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage.

The auto insurance coverage included with Amazon Flex covers up to $1 million in damages to third-party vehicles and up to $50,000 in damage to your vehicle. You are also required to carry separate comprehensive and collision coverage from your own personal or commercial auto insurance company.

Amazon offers a comprehensive list of Frequently Asked Questions to help them sign up for Amazon Flex delivery insurance.

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What is covered by Amazon Flex’s delivery auto insurance?

The Amazon Flex delivery driver insurance company is meant to supplement your existing auto insurance but only while you are delivering packages for Amazon.

What is covered while on the clock?

While you actively out delivering, Amazon Flex delivery driver insurance will cover the following:

  • Damage from accidents
  • Towing due to an accident
  • Damaged, stolen, or lost Amazon packages other than incident so of fraudulent or illegal activity

What is covered while off the clock?

Amazon Flex will not cover you during your off-hours or when you are not delivering for Amazon.

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Does Amazon Flex void my personal auto insurance?

When you are looking for auto insurance for your personal use vehicle as a delivery driver you need to make sure that you meet the legal auto insurance coverage valid driver requirements for your state.

Before you buy personal or commercial auto insurance, let your agent know that you use your car or truck for commercial deliveries. Your agent can work with you to make sure you have the proper auto insurance coverage and that it will not be voided by the additional insurance offered by Amazon.

Ready to find affordable commercial auto insurance rates near you, or look for a new personal auto insurance policy? Enter your ZIP code below to find auto insurance quotes in your area.

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