Best Auto Insurance for Shipt Drivers in 2025 (Find the Top 10 Companies Here)
State Farm, Geico, and Farmers offer the best auto insurance for Shipt drivers, with rates starting at $48 per month for minimum coverage. State Farm is our top pick due to its strong claims satisfaction. Geico provides low-cost options for safe Shipt drivers. Farmers has custom Shipt delivery coverage.
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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 ...
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UPDATED: Jun 13, 2025
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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: Jun 13, 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.
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3,072 reviewsState Farm, Geico, and Farmers offer the best auto insurance for Shipt drivers. State Farm leads with reliable claims service and strong customer satisfaction.
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 |
Geico offers low rates for safe Shipt drivers. Farmers provides policies tailored to Shipt delivery drivers, including coverage during active gigs.
These three companies give Shipt drivers solid options that balance cost, coverage, and flexibility on the job, making them the top choices when you compare auto insurance companies for delivery work.
- Shipt insurance covers active deliveries with rideshare and commercial use options
- It offers delivery endorsements and vehicle damage protection for Shipt drivers
- State Farm offers top-rated plans with rates starting at $48 per month
If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.
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Shipt Drivers Insurance Rates by Coverage Level
If you’re a Shipt driver trying to decide which auto insurance provider offers the best deal, this breakdown of monthly rates by company and coverage level helps make things clear. For minimum coverage, State Farm leads with the lowest rate at $48 per month, closely followed by Erie at $49 and Progressive at $50.
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 |
If you’re looking for full coverage, Erie again stands out at just $138 per month, offering solid value for comprehensive protection. On the other end, Liberty Mutual charges the most for full coverage at $176 monthly. If cost is your biggest concern, Geico offers a great balance—$52 for minimum and $140 for full coverage.
Each company varies not just in price but also in how well it supports gig drivers, so it’s worth comparing features like delivery endorsements, claims service, and flexibility. The best fit depends on your driving habits, how much time you spend on the road, and how much risk you’re comfortable with.
Shipt Drivers’ Auto Insurance Rates by Driving Record
When you’re a Shipt driver, your driving record can seriously affect what you pay for full coverage insurance, and this table lays it all out in a way that makes comparison easy. If you’ve got a clean record, Geico comes in with the lowest rate at just $114 per month, followed by State Farm at $123 and Erie at $139.
Shipt Drivers Full Coverage Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
 | $228 | $268 | $321 | $385 |
 | $166 | $194 | $251 | $276 |
 | $139 | $173 | $198 | $193 |
 | $174 | $212 | $234 | $313 |
 | $114 | $137 | $161 | $237 |
 | $248 | $302 | $335 | $447 |
 | $150 | $199 | $265 | $200 |
 | $142 | $196 | $230 | $338 |
 | $123 | $137 | $146 | $160 |
| $141 | $192 | $199 | $294 |
But if you’ve had a ticket, accident, or even a DUI, the price differences get much bigger. For example, a single accident pushes Liberty Mutual’s rate to $335, while State Farm only increases to $146, less than half the cost. And if you’ve had a DUI, car insurance with Liberty Mutual jumps to $447, while Erie actually stays under $200 at $193.
That’s a huge spread. If your record isn’t spotless, Shipt car insurance through providers like Erie, State Farm, and Geico tends to be more forgiving—and more affordable. So when you’re picking a policy, it’s not just about your base rate. It’s about how the company prices risk once things aren’t perfect.
Shipt Drivers’ Auto Insurance Rates by Credit Score
When you’re shopping for auto insurance as a Shipt driver, your credit score can seriously affect your monthly car insurance premium, and this chart breaks it down in a way that’s easy to compare. If you’ve got good credit, State Farm stands out with the lowest rate at $130 per month, followed closely by Erie at $135 and Nationwide at $140.
Shipt Drivers Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $165 | $190 | $240 |
| $150 | $175 | $225 |
| $135 | $155 | $195 |
| $160 | $185 | $235 |
| $145 | $165 | $210 |
| $175 | $200 | $255 |
| $140 | $165 | $215 |
| $155 | $180 | $230 |
| $130 | $155 | $200 |
| $145 | $170 | $220 |
But if your credit is fair or poor, the differences become more noticeable. For example, Liberty Mutual tops out at $255 for drivers with bad credit, while Erie stays much lower at $195. Even if your score isn’t perfect, insurers like Geico, Erie, and State Farm still offer reasonable options—Geico’s rate goes from $145 to just $210 as your credit drops.
If you drive for Shipt, make sure your policy includes a delivery endorsement—without it, your insurer can deny claims for accidents that happen while you’re working.
Chris Abrams Licensed Insurance Agent
That’s helpful for gig workers trying to keep costs under control. State Farm and Erie deliver the most stable pricing across all credit tiers, making them smart picks for affordable Shipt vehicle insurance if you’re watching your budget while keeping your Shipt business running.
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Shipt Drivers’ Auto Insurance Coverage Options
When choosing the best auto insurance as a Shipt driver, you need to focus on what the policy actually includes. This table outlines the specific coverage types that matter. Liability covers damage you cause to others, but it won’t cover your own car—collision and comprehensive do that.
Shipt Drivers Auto Insurance Coverage Options
| Coverage | What It Covers |
|---|---|
| Liability Coverage | Covers damage you cause others |
| Collision Coverage | Repairs your car after a crash |
| Comprehensive Coverage | Non-crash events like theft or fire |
| Uninsured Motorist | Accidents with uninsured drivers |
| Personal Injury Protection | Pays medical and lost wages |
| Medical Payments | Medical costs regardless of fault |
| Gap Insurance | Pays loan balance if car totaled |
| Rental Reimbursement | Pays for rental during repairs |
| Roadside Assistance | Towing, battery, flat tire help |
| Rideshare/Delivery Endorsement | Extends coverage during deliveries |
Collision handles crash repairs, while comprehensive covers events like theft or fire. If another driver doesn’t have insurance, uninsured motorist coverage helps cover your costs. Personal injury protection and medical payments take care of medical bills and lost wages, even if you’re at fault. Gap insurance pays off your loan if the car is totaled. Rental reimbursement pays for a rental while your car is being repaired.
Roadside assistance covers towing, dead batteries, and flat tires. Most importantly, rideshare or delivery endorsements extend coverage while you’re working—something standard policies don’t include. Always check if your provider includes these options before choosing a plan.
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.
Shipt Drivers Auto Insurance Discounts From Top Providers
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | Loyalty |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 22% | 15% |
| 25% | 25% | 25% | 20% | 18% |
| 15% | 25% | 23% | 15% | 10% |
| 10% | 20% | 30% | 15% | 12% |
| 25% | 25% | 26% | 15% | 10% |
| 35% | 25% | 20% | 12% | 10% |
| 5% | 20% | 40% | 18% | 8% |
| 25% | 10% | 30% | 10% | 13% |
| 15% | 17% | 25% | 35% | 6% |
| 15% | 13% | 10% | 8% | 9% |
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.
Comparing Auto Insurance Premiums for Shipt Drivers
Comparing auto insurance costs can help you find out how much you should be 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, get the best deal, and explore your options. A quick Shipt driver review of coverage and pricing can also ensure that you’re not overpaying.
State Farm stands out with competitive rates—see how they compare and where you might save.
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10 Best Auto Insurance Companies for Shipt Drivers
Shipt drivers need insurance that covers them while working, and not every company includes that by default. This list breaks down how the top 10 insurers handle delivery coverage, what they offer for gig drivers, and where you might run into limits or added costs.
#1 –State Farm: Top Overall Pick
Pros
- Delivery Coverage While Driving for Shipt: According to State Farm auto insurance review, the company offers low-cost auto insurance for Shipt drivers who want to keep expenses down without losing essential coverage.
- Fast Claims for Delivery Accidents: Claims related to active delivery work are processed quickly, minimizing time off the road for Shipt drivers.
- Local Support for Delivery Needs: Local agents understand Shipt driver routes and can help customize auto insurance for delivery-related risks.
Cons
- Higher Rates for Delivery Driving: Auto insurance for Shipt drivers often costs more due to frequent work-related mileage.
- Limited Intro Offers for Shipt Drivers: Some insurers offer fewer upfront discounts on auto insurance for Shipt drivers starting new policies.
#2 – Geico: Best for Flexible Policies
Pros
- Great for Budget-Conscious Drivers: Geico auto insurance reviews say that the company is a solid choice for Shipt drivers who want to save on insurance.
- Simple Online Management: Shipt drivers can easily manage auto insurance policies and claims through Geico’s online tools.
- Delivery-Specific Coverage: Geico’s rideshare add-on strengthens auto insurance for Shipt drivers during active deliveries.
Cons
- Lack of In-Person Help: Geico offers limited local agent support for Shipt drivers needing hands-on help with their auto insurance.
- Standard Plans Exclude Delivery Work: Basic Geico policies may not cover delivery-related incidents unless add-ons are purchased.
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#3 – Farmers: Best for Custom Options
Pros
- Built for Delivery Drivers: A per our Farmers auto insurance review, the company offers coverage that protects Shipt drivers while they are working.
- Customizable Coverage for Shipt Drivers: Farmers offers flexible add-ons like roadside assistance tailored to delivery needs.
- Local Agent Support: Farmers agents help Shipt drivers choose and manage auto insurance with delivery coverage in mind.
Cons
- Higher Cost for Delivery Coverage: Auto insurance for Shipt drivers through Farmers may be pricier than basic plans.
- Limited Availability by State: Not all Shipt drivers can access Farmers’ full delivery-friendly coverage in every state, so make sure your Shipt proof of insurance includes any required endorsements.
#4 – Progressive: Best for Affordable Plans
Pros
- Flexible Delivery Coverage Options: According to our Progressive auto insurance review, the company offers rideshare endorsement to cover you during Shipt deliveries.
- Budget-Friendly Options for Shipt Drivers: Progressive’s Name Your Price Tool helps Shipt drivers build affordable auto insurance without losing key protections.
- Rewards for Safe Shipt Driving: Shipt drivers who maintain good driving habits can lower rates through Progressive’s Snapshot program.
Cons
- Delivery Coverage Not Available in All States: Progressive’s rideshare add-ons for Shipt drivers may be limited or unavailable in some states.
- Higher Rates for Driving Incidents: Shipt drivers with accidents or tickets may face steeper auto insurance premiums through Progressive.
#5 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Delivery Protection: Explore all company add-ons for Shipt drivers in our Allstate auto insurance review.
- 24/7 Claims Help for Shipt Drivers: Round-the-clock claims support helps Shipt drivers stay on the road after accidents.
- Safe Driver Discounts for Shipt Use: Drivers with clean records can earn lower auto insurance rates while making deliveries.
Cons
- Higher Premiums for Delivery Driving: Auto insurance for Shipt drivers may cost more due to the business use of the vehicle.
- Rideshare Coverage Required for Shipt Work: Delivery protection isn’t included in basic policies and must be added separately.
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#6 – Nationwide: Best for Affordable Bundles
Pros
- Reliable Coverage for Shipt Drivers: Nationwide offers auto insurance for Shipt drivers that covers you during active deliveries and while waiting for orders. Read more: Nationwide Auto Insurance Review
- Multiple Savings for Shipt Drivers: Earn discounts for bundling, loyalty, and safe delivery driving.
- Lower Deductibles for Safe Driving: Shipt drivers can reduce deductibles by avoiding accidents over time.
Cons
- Limited Delivery Coverage by State: Some Shipt drivers may not get full auto insurance protection where they live.
- Higher Costs for Delivery Use: Auto insurance for Shipt drivers may cost more due to regular on-the-job mileage.
#7 – Liberty Mutual: Best for Policy Flexibility
Pros
- Custom Coverage for Shipt Drivers: Tailor your auto insurance to include delivery-specific protection.
- Plenty of Discounts: Learn how to save on auto insurance for Shipt drivers with safe driving rewards and multi-driver plans in our Liberty Mutual auto insurance review.
- Accident Forgiveness Helps Shipt Drivers: Keeps rates stable after your first delivery-related accident.
Cons
- Delivery Endorsement Not Automatically Included: Shipt drivers must add coverage for active delivery work.
- Higher Premiums Without Discounts: Auto insurance for Shipt drivers can be expensive if you don’t qualify for savings.
#8 – American Family: Best for Tailored Discounts
Pros
- Covers You on the Job: AmFam offers policies that help protect Shipt drivers while delivering. Learn more about them in this American Family auto insurance review.
- Local Agent Support for Shipt Drivers: In-person agents help tailor coverage to your delivery needs.
- Multiple Savings for Delivery Drivers: Safe driving, bundling, and low mileage discounts can reduce Shipt driver premiums.
Cons
- Not Offered in All States: Some Shipt drivers may not be eligible for coverage based on location.
- Delivery Use Requires Add-On: Rideshare or delivery endorsements must be added for full protection.
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#9 – Travelers: Best for Broad Coverage
Pros
- Tailored Coverage for Shipt Drivers: Travelers policies include protection during active Shipt deliveries.
- Significant Savings for Safe Drivers: It offers discounts to reward Shipt drivers with clean records and good habits.
- Flexible Add-Ons for Delivery Work: Add roadside help or accident forgiveness to fit Shipt driving needs. Learn how in our Travelers auto insurance review.
Cons
- May Require Rideshare Endorsements: Standard policies often exclude Shipt delivery coverage, so it’s important to review Shipt car insurance requirements to confirm your policy meets their standards.
- Rates Can Be High for Frequent Delivery: Driving often for Shipt may lead to increased premiums.
#10 – Erie: Best for Local Support
Pros
- Reliable Protection for Shipt Drivers: Erie provides auto insurance for Shipt drivers that stays active during delivery hours.
- Responsive Support for Shipt Drivers: Erie auto insurance reviews report that customer service is easy to reach for help with delivery-related claims.
- Stable Rates for Gig Work: Premiums remain consistent unless you adjust your auto insurance for Shipt drivers.
Cons
- Not Offered in All States: Some Shipt drivers may not be able to access Erie’s delivery-friendly auto insurance.
- Delivery Coverage Costs More: You’ll need to pay extra for rideshare add-ons that protect Shipt deliveries.
How to Get the Best Auto Insurance for Shipt Drivers
If you drive for Shipt, having the right auto insurance isn’t just a formality—it’s what keeps you covered while you’re out making deliveries. Companies like State Farm, Geico, and Farmers stand out because they offer policies built to handle the risks that come with delivery work. Standard insurance often excludes gig work, so choosing a policy with rideshare or delivery endorsements is essential.
If you’re a Shipt driver, make sure your auto policy includes a delivery endorsement. Without it, your insurer can deny claims for accidents that happen while working.
Dorothea Hudson Insurance and Finance Writer
Beyond that, factors like your driving record, credit score, and the kind of coverage you need can shape which insurer makes the most sense for you. Whether you’re on the road full-time or part-time, having the right protection matters—and not every insurer is built for that. Choose one that understands how you drive and what you’re driving for.
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
How much does a Shipt driver typically earn, and how does that affect insurance costs?
Shipt driver salary varies by market, but many report earning $15 to $22 per hour before expenses. Since you’re using your vehicle for work, insurers often consider you a higher risk, which can raise your premium. On average, Shipt drivers pay around $128 to $155 per month for insurance with proper delivery coverage.
What is a Shipt insurance policy, and how is it different from regular car insurance?
A Shipt insurance policy refers to a personal auto insurance plan with delivery driver coverage. Regular insurance may deny claims if you get into an accident while working. Providers like Progressive and Farmers offer hybrid policies that cover both personal and work-related driving.
Find the best auto insurance company near you by entering your ZIP code into our free quote tool.
What type of car insurance do Shipt independent contractors need?
As a Shipt independent contractor, you’ll need a personal auto insurance policy that meets your state’s minimum liability limits. However, most standard policies don’t cover delivery driving. To stay protected, you’ll need a rideshare or delivery endorsement, or a commercial auto insurance policy from companies like State Farm, Geico, or Farmers.
Are Shipt driver packages covered by insurance during delivery?
No, your personal auto insurance doesn’t cover packages or groceries being delivered. If they’re damaged in a crash or stolen from your car, you’re liable. Consider supplemental coverage or business-use endorsements if you want protection for cargo.
Can I use my Shipt driver referral code without having insurance in place?
Yes, you can share your Shipt driver referral code at any time. However, before you start delivering, you must upload valid insurance documentation that meets Shipt’s requirements. Starting deliveries without coverage can lead to deactivation and uncovered liabilities.
What should I do if I get into a car accident while driving for Shipt?
If you’re in a Shipt car accident, report it to both your insurer and Shipt right away. If your policy excludes delivery driving, your claim could be denied, which not only leaves you uncovered but could also affect how accidents change your car insurance rate going forward. That’s why having a delivery-friendly policy matters.
What are the best insurance providers for Shipt drivers needing car insurance?
Top insurers for Shipt drivers include State Farm, at $142 per month, Geico, at $128 per month, and Farmers, at $155 per month. They offer flexible coverage, optional delivery endorsements, and policies that don’t automatically exclude gig driving.
What are the Shipt insurance requirements when applying as a driver?
You must have a valid driver’s license, current auto insurance that meets your state’s liability minimums, and a vehicle that passes Shipt’s criteria. During sign-up, you must upload proof of insurance showing your name, policy number, and expiration date.
Is separate car insurance required for Shipt shoppers?
Yes. All Shipt shoppers must have a valid personal auto insurance policy. If you’re delivering orders, you also need to disclose gig driving to your insurer, since standard auto insurance coverage may not apply during deliveries. Many companies offer endorsements or commercial plans to close that gap.
Can my insurance company find out if I drive for Shipt?
Yes, insurers can find out if you drive for Shipt—especially after an accident, during claims processing, or through driving data reports. If you haven’t disclosed your gig work, your claim might be denied. Always let your insurer know upfront.
Does Shipt offer any kind of auto insurance to its drivers?
No, Shipt doesn’t provide auto insurance coverage for its drivers. You’re classified as an independent contractor, so you’re responsible for maintaining proper coverage that includes delivery work.
Does Shipt notify your insurance company when you start driving?
No, Shipt does not contact your insurance company. It’s your responsibility to tell your insurer that you’ll be using your vehicle for delivery work. If you don’t disclose this, and you get into an accident, your auto insurance claim is denied, leaving you to cover the costs out of pocket.
Does Shipt require insurance for all drivers, even if I’m borrowing a vehicle?
Yes. Whether you own the vehicle or not, you must show proof of insurance that meets your state’s minimum requirements. If you’re borrowing a car, make sure the insurance policy allows other listed drivers to use it for delivery purposes.
How do I become a Shipt driver, and what insurance steps are involved?
To become a Shipt driver, you must be at least 18 years old, have a reliable vehicle, a valid U.S. driver’s license, and auto insurance. During onboarding, you’ll upload proof of insurance and confirm that your policy is active and compliant with delivery driving.
Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
How is Shipt insurance handled if I already have a rideshare policy?
If you already have a rideshare or delivery endorsement from providers like Progressive, State Farm, or Allstate, it may cover Shipt deliveries as well. Since auto insurance for food delivery drivers can differ by platform, always double-check with your insurer to make sure your policy includes Shipt work.
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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.