Amazon Flex Auto Insurance (Rates & Requirements in 2023)

You’ve likely familiar with Amazon and its Prime delivery vehicles, but the company also offers a way for people in specific cities to deliver packages. Amazon Flex is a delivery program utilizing independent contractors to make prompt deliveries.

You’ll need the right types of auto insurance coverage if you work for Amazon Flex. However, Amazon offers its delivery drivers commercial auto insurance coverage when they’re actively making deliveries.

Is there Amazon Flex delivery auto insurance? 

Amazon provides its Amazon Flex drivers commercial coverage when delivering packages, but this auto insurance doesn’t take the place of the necessary liability coverage every driver needs.

If you want to drive for Amazon, you should compare auto liability insurance rates. All drivers in the U.S. must purchase liability coverage. However, Amazon provides its drivers additional protection through its commercial auto insurance policy.

Amazon’s commercial car insurance coverage includes:

• Additional liability auto insurance coverage
• Uninsured motorist coverage and underinsured motorist coverage
• Comprehensive and collision coverage, contingent upon each situation

Amazon specifies on its website that commercial coverage only covers Amazon drivers, so passengers won’t receive any coverage from the policy. In addition, Amazon Flex delivery drivers must be actively making a delivery to receive coverage from the company’s commercial policy.

If you work for Amazon Flex but allow someone else to make your delivery, that individual isn’t covered by Amazon’s commercial insurance if an accident occurs.

The company also notes that Amazon’s commercial coverage cannot cover Amazon Flex drivers in New York. Instead, these individuals may need to purchase additional commercial coverage to meet delivery requirements in the state of New York.

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How much is Amazon Flex car insurance?

Amazon Flex drivers don’t have to pay for coverage from the company. Instead, they automatically receive coverage from Amazon’s commercial auto insurance policy when driving to pick up or deliver a package.

However, rates for standard auto insurance coverage vary based on several factors, such as:

• Age. Age is a factor regarding auto insurance rates. Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time.
• Claims history. If you’ve filed multiple claims, you’ll have higher insurance rates. 
• Credit score. Drivers with lower credit scores are more likely to file claims or miss payments. So, they’ll pay higher rates. However, California, Hawaii, Massachusetts, and Michigan insurance companies can’t use credit scores as a factor. (Read: Best Auto Insurance Companies for Bad Credit) 
• Driving history. Traffic tickets, accidents, DUIs, and other similar charges will raise rates. Auto insurance companies check your driving record to determine rates.
• Gender. Auto insurance rates are different for men and women drivers. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
• Vehicle model and make. When setting rates, insurance companies consider safety ratings, crash statistics, and the vehicle’s overall expense.
• Coverage types. There are a variety of auto insurance coverage types that affect rates. The cost of insurance will reflect the type the driver chooses.

If you only carry liability coverage and have a clean driving record, you can expect to pay little for your auto insurance.

The table below shows the average monthly auto insurance rates in the U.S. with different companies based on coverage type.

Depending on where you live, you may pay more or less per year for coverage, but this should give you a good idea of what you can expect to pay for full coverage vs. what you may pay for liability insurance.

What kind of coverage do I need to drive for Amazon Flex?

You’ll need a liability insurance policy to drive in your state, but each state has specific liability coverage requirements.

The table below shows liability coverage requirements in each state. The numbers represent car insurance requirements per thousand dollars of bodily injury liability per person, bodily injury liability per accident, and property damage liability.

As you can see, each state’s requirements can be significantly different from another. Additionally, some states require more coverage, like personal injury protection, medical payments, uninsured motorist coverage, and underinsured motorist insurance.

Though most insurance companies help drivers ensure they meet their state’s requirements for coverage, it’s ultimately your responsibility as a driver to carry the proper coverage.

Do Amazon Flex drivers need additional coverage?

Since Amazon Flex drivers have commercial coverage from Amazon when delivering goods, they’re not required to purchase commercial or business coverage. The only exception would be for drivers living in New York that aren’t covered by Amazon’s commercial insurance.

However, Amazon Flex drivers should consider carrying more than a liability-only policy to ensure they have the proper protection in the event of an accident. Liability insurance only covers other people and their vehicles if you’re in an accident, but you and your car don’t receive any help from a liability policy.

Collision coverage helps in an accident, and coverage extends to you and your vehicle even if you’re at fault. In addition, comprehensive coverage is helpful when your car gets damaged by theft, vandalism, inclement weather, or other incidents unrelated to an accident.

Combining collision and comprehensive coverage into a full coverage policy offers protection that can help you in most scenarios. Anyone who drives frequently should consider purchasing these coverages and a liability policy.

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Amazon Flex Delivery Auto Insurance: The Bottom Line

Amazon Flex drivers need car insurance but aren’t required to purchase commercial coverage. Instead, Amazon’s commercial auto insurance policy covers drivers when they’re actively making deliveries. 

If you drive for Amazon Flex, you should consider purchasing more than your state’s liability requirements. Additional coverage will ensure you and your vehicle are adequately protected if you’re ever in an accident or if your vehicle gets damaged in a non-accident-related incident.

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