Can't-Miss Facts

  • As an independent contractor, you are responsible for purchasing auto insurance to drive for
  • Your personal insurance will most likely not cover your activities as a delivery driver.
  • You should purchase delivery driver insurance, either as a business-use add-on or a commercial insurance policy. is a website you can use to place orders from restaurants, liquor stores, grocery stores, and dry cleaners. Individuals near the available locations can sign up to become a driver and deliver orders.

If you’re considering becoming a driver, you should understand the requirements for auto insurance. Below, we’ll discuss the best insurance options for delivery drivers.

To compare delivery driver auto insurance rates, enter your ZIP code into our free quote comparison tool above.

Am I responsible for purchasing auto insurance when delivering for

Do delivery services provide insurance coverage for drivers? In most instances, no, the delivery service will not provide insurance.

Delivery driver car insurance options In most delivery driver cases, your portion of responsibility to purchase auto insurance depends on who you work for and whether you own the delivery vehicle.

When you drive for, you are considered an independent contractor, which essentially means that you work for yourself. And, most likely, you will be using your own vehicle to make deliveries. does require you to provide proof of auto insurance when you sign up as a driver, so in this case, you are fully responsible for purchasing your own auto insurance. To become a driver for, you must meet or exceed the minimum auto insurance requirements for your state.

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As a delivery driver, will my personal auto insurance be enough?

You should discuss this with your auto insurance policyholder, but they most likely will tell you that using your vehicle for deliveries is outside your personal auto insurance coverage. Therefore, if you don’t get the right insurance, claims made while you’re delivering could be denied.

If you do not tell your insurance company that you are a delivery driver, you could also risk having your coverage canceled.

Do I need commercial auto insurance to deliver for

Now let’s look at whether you need special insurance as a delivery driver and the delivery driver auto insurance options.

If you become a driver for, you may need to purchase commercial auto insurance. While it is more expensive than personal auto insurance, as the Insurance Information Institute notes, you will be covered in the event of an accident while you are conducting business.

If you only deliver part-time, you may be able to qualify for a business-use add-on through your personal insurer. This would be less expensive than purchasing a commercial insurance policy, but may not cover you if you move to full-time deliveries.

Conclusion: Auto Insurance

As a driver for, you will be responsible for purchasing your own insurance.

Your personal auto insurance will most likely not cover you as a delivery driver. Therefore, you will likely need to purchase a commercial insurance policy or see if you qualify for a business-use insurance add-on.

If you need help finding affordable auto insurance coverage, use our free tool below to compare auto insurance quotes from companies in your area.