FreshDirect Auto Insurance: Rates & Requirements (2021)

Searching for FreshDirect auto insurance? FreshDirect does not provide its own auto insurance. The company requires state-minimum liability auto insurance coverage for their drivers. However, As a delivery driver, you should carry commercial auto insurance to ensure you are properly protected. The average rates for commercial auto insurance can range between $600 and $2,400 annually for a car. For a delivery van the rates can be as high as $6,200. 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: Mar 30, 2021

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Can't-Miss Facts

  • FreshDirect does not provide auto insurance for its drivers.
  • You will need commercial auto insurance to make sure you are protected as a delivery driver.
  • Make sure your liability coverage meets the minimum levels in your state.

If you are driving for FreshDirect, auto insurance is a necessity. Since Fresh Direct doesn't offer auto insurance to its drivers, it will be up to you to make sure you have the proper coverage.

But what coverage do you need? And how much will it cost? What happens if you are involved in an accident delivering food for FreshDirect?

These are some of the questions we'll look at so you can make an informed decision and buy commercial auto insurance that will protect you, your vehicle, and others while you are making deliveries.

Being a delivery driver is a great way to makes money to pay off some bills, plan a vacation, or just pick up some extra cash. But it comes with additional responsibilities, including protecting yourself and finding affordable auto insurance.

Before you buy commercial auto insurance it pays to shop around to find the best rates. We can help you find affordable commercial auto insurance rates in your area just by entering your ZIP code above.

How much commercial auto insurance do you need to drive for FreshDirect?

As a delivery driver, commercial auto insurance is going to provide you the best coverage option. While commercial coverage may not be a state requirement, it may be required by your auto insurance company.

If you plan on using your personal vehicle professionally, you need to let your insurance company know. Failure to report such usage can lead to fines and other penalties. In some cases, it may even be considered insurance fraud by the FBI.

You must have auto insurance that meets your state minimum requirements. Here's a look at the minimum liability coverage levels in each state.

Minimum Liability Auto Insurance Requirements by State
StatesInsurance RequiredMinimum Liability Requirements
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/5
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM25/50/20
DelawareBI & PD Liab, PIP25/50/10
FloridaPD Liab, PIP10/20/10
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoeBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM25/50/20
IndianaBI & PD Liab25/50/25
IowaBI & PD Liab20/40/15
KansasBI & PD Liab, PIP25/50/25
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM, Medpay50/100/25
MarylandBI & PD Liab, PIP, UM, UIM30/60/15
MassassachusettsBI & PD Liab, PIP20/40/5
MichiganBI & PD Liab, PIP20/40/10
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10
MississippiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/25
MontanaBI & PD Liab25/50/20
NebraskaBI & PD Liab, UM, UIM25/50/25
NevadaBI & PD Liab25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab25/50/25
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab25/50/25
South CarolinaBI & PD Liab, UM, UIM25/50/25
South DakotaBI & PD Liab, UM, UIM25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25
UtahBI & PD Liab, PIP25/65/15
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab, UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
Wasington D.C.BI & PD Liab, UM25/50/10
West VirginiaBI & PD Liab, UM, UIM25/50/25
WisconsinBI & PD Liab, UM, Medpay25/50/10
WyomingBI & PD Liab25/50/20

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Of course, the minimum coverage may not always be enough. Talk to your insurance agent to see what recommendations they have. If you are honest with them, they can ensure that you are properly covered in case you are ever involved in a delivery accident—whether you are at fault or not.

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How much does FreshDircet delivery driver commercial auto insurance cost?

As with personal auto insurance, commercial auto insurance rates will vary based on a number of reasons. Some of these include:

  • Driving history
  • Miles driven
  • Credit history
  • Where you live

Here's how average commercial auto insurance rates stack up by vehicle type across the U.S.

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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There are ways to save on rates with your commercial auto insurance company. Talk to your auto insurance agent about auto insurance discounts that may be available to you for both your personal and commercial policies.

What happens if you're involved in an accident delivering food for FreshDirect?

If you are involved in an accident while delivering for FreshDirect, accident victims can sue FreshDirect for your accident. That's why it's important to make sure you carry the proper coverage while you are on the road.

Are you ready to get commercial auto insurance quotes from multiple companies near you? Simply use the free tool below to find rates that meet your needs and your budget.

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Enter your ZIP code below to compare auto insurance rates.

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