Amazon Flex Delivery Auto Insurance (Rates & Requirements)

Amazon Flex delivery auto insurance covers an additional $50,000 of damage to your car if you already have auto insurance. Average business rates if you use your own car to deliver for Amazon are $304.83/month. If you do Amazon deliveries in a personal car, compare cheap Amazon delivery insurance rates and cheap Amazon Flex business insurance quotes online to save.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Dec 21, 2021

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Things to Remember

  • Amazon provides a free Flex Auto Policy that will cover up to $50,000 in damages to your vehicle, but only if you already have a personal auto insurance plan that includes comprehensive and collision coverage
  • Amazon Flex Auto liability coverage will cover up to $1 million in damages to a third-party person or vehicle, regardless of what kind of insurance policy you have
  • If an uninsured or underinsured motorist causes an accident while you’re delivering for Amazon Prime Now, the Flex Auto policy will provide up to $1 million in coverage for personal injury and damages to your vehicle
  • Drivers operating in the state of New York are required to have their own commercial auto insurance policy
  • Amazon’s insurance will not cover any passengers or pets in your vehicle in the event of an accident

Driving without insurance is illegal. But will my personal insurance cover me while delivering for Amazon with my car? What are the Amazon Flex requirements for auto insurance coverage?

Would food delivery auto insurance cover me? What insurance do you need for Amazon Fresh delivery? Is there any specific Amazon delivery auto insurance?

Many personal auto insurance policies will not cover accidents that occur while you’re using your personal vehicle for business purposes.

It’s best to ask your insurance provider for the most accurate answer regarding your current policy’s coverage limitations and finding the best Amazon auto insurance options.

Is there Amazon delivery auto insurance? And if so, what are the Amazon Flex delivery auto insurance requirements?

Fortunately, if you’re delivering food for Amazon’s Prime Now service, you’ll have access to adequate gap-filling coverage that will complement and back up your existing auto insurance.

However, your personal policy will need to include both comprehensive and collision coverage for you to be covered by Flex Auto for damages to your vehicle or personal injury.

Compare Amazon Flex delivery auto insurance quotes online using our free rate comparison tool above. Just enter your ZIP code to get started and see cheap Amazon Flex delivery auto insurance rates.

Why do I need Amazon Flex auto insurance coverage?

What insurance do you need to deliver parcels? Can you perform Amazon deliveries in a personal car?

In most cases, when you’re using a personal vehicle to drive for Amazon you need some form of commercial coverage on top of your personal auto insurance policy to make sure you’re covered while you are on the road. A lot of driving can happen between the pickup location and the customer.

This isn’t typically a state requirement unless you live in New York, but your insurance company will probably expect this.

One option for this is Amazon commercial insurance, typically referred to as Amazon Flex auto insurance. Read the next few sections to learn about this coverage, Amazon delivery insurance carriers, how to qualify for Amazon Flex insurance claims, and more.

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Will Amazon Flex Auto fill in the gaps?

Can I be an Amazon delivery driver in my own car? Yes. And to help with this, Amazon gives every single person that becomes a driver for Prime Now a free auto insurance policy called the Amazon Flex Auto Policy that takes care of their coverage while they take care of the customer.

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

The Amazon Flex business insurance policy is meant to fill in the coverage gaps that your current insurance policy might not cover during the delivery trips you take over the course of your shift for Prime Now.

Coverage applies while the driver is delivering packages, picking up packages, or returning undelivered packages to a warehouse or other specified location.

Giving drivers extra insurance is a common practice for companies that offer delivery services of any kind.

With Amazon being the largest online marketplace currently accounting for almost half of online retail sales in the U.S. it’s not surprising that their Flex Auto policy is one of the most comprehensive and generous of its kind.

Read on to learn about the Amazon delivery driver insurance requirements.

What do I need to know about Amazon Flex auto coverage?

The included liability coverage will cover up to $1 million in damages to a third-party vehicle or person.

Coverage for your own vehicle will cover up to $50,000 in damage, but you’ll need to have a separate auto insurance policy that already includes comprehensive and collision coverage for this coverage to be available. Obviously, you must also be a valid driver and delivery partner for Prime Now.

Take a look at this table to see average rates for liability, comprehensive, and collision coverage in your state, so you have an idea of what you may be paying.

Average Annual Auto Insurance Rates for Liability, Collision, Comprehensive, and Full Coverage
StatesAverage Annual Liability Insurance RatesAverage Annual Collision Insurance RatesAverage Annual Comprehensive Insurance RatesAverage Annual Full Coverage Insurance Rates
District of Columbia$628.09$468.67$233.24$1,330.73
New Hampshire$393.24$381.86$131.35$1,382.79
New Jersey$865.55$276.98$172.57$937.59
New Mexico$462.21$385.02$171.12$1,360.66
New York$784.98$293.59$136.08$789.09
North Carolina$357.59$244.09$231.04$773.30
North Dakota$282.55$269.84$121.61$788.56
Rhode Island$720.06$265.07$180.94$973.10
South Carolina$497.50$208.58$258.11$766.91
South Dakota$289.04$282.96$116.53$1,257.13
West Virginia$501.44$329.67$204.28$1,025.78
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Keep in mind these are average rates, which may not reflect what you’ll pay, given your specific circumstances. The numbers in this table are a baseline to help you gauge whether your personal auto insurance rates are reasonable.

If you’re at fault in the accident that takes place during your shift, you’ll have to pay a $1,000 deductible.

In the event of a comprehensive or collision claim involving damage to your vehicle, the Amazon Flex Auto Policy would apply only if the accident occurred during a delivery/pickup or while you were en route to a warehouse.

If an accident is caused by an uninsured or underinsured motorist, the Flex Auto policy will cover up to $1 million in vehicle damages or personal injury.

More information about the terms of Amazon’s Flex Auto Policy can be found within the Help > Insurance section of the Amazon app.

It can be tempting to drive too fast or take a more liberal approach to driving laws when you’re on the clock, but it’s also important to follow all traffic laws regardless of what you’re doing or where you’re going.

Amazon says that safety is a priority for them when it comes to their delivery drivers’ behavior on the road. Don’t give in to the temptation to drive recklessly in the name of delivering your packages on time.

How does Amazon Flex conflict with your existing coverage?

It’s important to make sure your personal policy will not be voided if you act as a courier (i.e. driving for Amazon Prime Now).

An insurance company could void your policy for driving significantly more annual miles than you estimated in your original application, which could be the case if you start doing a lot of deliveries for Prime Now.

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Why can your personal auto insurance become void?

Some insurance companies will void your personal policy and rescind coverage due to “misrepresentation of facts” if you stated during your application for the policy that you would only be using the vehicle for personal driving purposes and commuting and then proceed to do any types of delivery.

Of course, if your personal policy becomes void then you wouldn’t be covered by the Flex Auto policy either, as an eligibility requirement for the program is that you have an active insurance policy on your own.

Many insurance companies will not sell you a personal policy if you state that the vehicle will be used for a courier service because only their commercial policies cover such driving.

It’s best to thoroughly compare personal policy terms to ensure you won’t be putting yourself in a position to have your policy voided.

Failing to accurately represent the facts during your insurance application is a major cause for concern because in many cases you won’t find out the plan is void until you attempt to make a claim after an accident, and at that point, it’s too late to change course.

Do you need a commercial insurance policy?

Do you need an Amazon commercial auto insurance policy? In most states, you aren’t required by law to have a commercial insurance policy to act as a delivery driver.

Though as we noted above, it’s a good idea to have some kind of business coverage to not void your personal coverage.

There is one exception though — the state of New York’s insurance requirements mandate that you’ll need your own commercial auto policy to legally deliver any packages or food items.

Thus, if you’re delivering for Amazon Prime Now, you’ll find that your Amazon Flex commercial insurance won’t apply in New York at all.

Although commercial insurance isn’t legally required, it may be the safer option if reliable coverage is your highest priority.

On the other hand, commercial policies are typically more expensive, and since some personal policies will allow you to deliver for Amazon Prime Now, those would be the best options for keeping costs minimal.

It’s important to be open and honest with your insurance provider about your intent to deliver for Prime Now, as they may need to add an endorsement note to your account.

What are Amazon’s insurance policies for passengers and pets?

Amazon’s insurance policy for delivery drivers differs from many other policies offered by delivery and ridesharing companies.

Amazon’s Flex Driver information states that while you may have passengers and pets in your car while you are at the Amazon warehouse, you can’t have passengers or pets in your vehicle while making Amazon Prime Now or Amazon Fresh deliveries.

The company states its insurance policy will not cover any injuries or property damage to pets or passengers. The Amazon Flex policy is strictly commercial and does not cover passenger transport or personal pets.

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What are the new Amazon delivery auto insurance rates and products?

What is Amazon Flex and does it differ from Amazon Fresh? Amazon Flex is different from Amazon Fresh. Amazon Flex employs drivers to deliver packages to their final destination.

Amazon Fresh is a new service. Amazon is working to “disrupt” traditional grocery stores and food retailers with its new business model, and this service requires delivery drivers.

Small business insurance policies can cover delivery driving. Courts and state insurance commissioners are also working out exactly who works for whom and who is responsible for insurance, fuel, and maintenance of vehicles used to deliver goods and packages.

If you’re a delivery driver in need of better and more affordable auto insurance, start comparison shopping.

Will my auto insurance cover an accident delivering food for Amazon Fresh?

Amazon Fresh provides $1 million in liability and 50/50 while you’re making deliveries. Drivers in NY must carry the state minimums of 10/25/50.

  • Your personal auto insurance typically won’t cover Amazon Fresh driving or any other type of delivery driving
  • Amazon Fresh drivers have a generous commercial delivery policy that covers them while they are working in two-hour blocks, so throughout the delivery process
  • You could risk having your auto policy canceled if you don’t notify your company you’re driving for Amazon Fresh
  • Find small business or commercial insurance to complement the Amazon Flex driver policy

If you are delivering Amazon Fresh, you are part of Amazon’s Flex program.

Amazon provides insurance coverage for its drivers, but the coverage only takes effect while you are making deliveries. As we discussed earlier, you’ll sign up for a two-hour delivery block using the Amazon Flex app.

The Amazon Flex auto policy also applies to Amazon Fresh deliveries and offers generous commercial driving insurance that will provide up to $1 million in liability and uninsured/underinsured motorist coverage if you are in an accident while making deliveries.

Amazon also offers $50,000 per-incident comprehensive and collision insurance coverage for drivers.

As we discussed in a previous section, you must also have comprehensive and collision coverage on your insurance policy for Amazon’s coverage to pay for damages to your vehicle, minus a $1,000 deductible payment.

Is driving For Amazon Fresh different than driving for Uber or Lyft?

Insurance companies regard driving for Amazon Fresh differently than driving for ridesharing services like Lyft and Uber.

Ridesharing services are also called Transportation Network Companies (TNCs) by state insurance commissioners and insurers.

You are paid by the hour to make deliveries for Amazon Fresh and aren’t supposed to have passengers in your car at all while working for the service.

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What about Amazon Fresh Insurance in New York?

Drivers who deliver for Amazon Fresh in New York have different insurance requirements than other states. They must carry commercial auto insurance meeting New York state minimum mandatory auto insurance requirements.

Take a look at this table to see the minimum liability coverage required for a personal auto insurance policy in New York.

New York Minimum Personal Auto Insurance Liability Coverage Requirements
Liability Coverage TypeMinimum Amount of Coverage Required
Bodily Injury$25,000 per person
$50,000 per accident
Property Damage$10,000
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Amazon Fresh (and Amazon Prime Now) drivers in New York are also required to have $50,000/$100,000 in bodily injury liability insurance in the unfortunate event of one or more deaths in an accident.

Are there delivery times and Amazon Fresh delivery driver insurance requirements?

Amazon will schedule you to make food deliveries for Amazon Fresh from a local warehouse in two-hour time blocks.

The company’s commercial insurance policy for drivers may not cover you if you are still delivering goods outside of the two-hour delivery block; it is very important to adhere to the prescribed time of delivery.

Some drivers continue to make deliveries after two hours because they were unable to complete the entire schedule within the timeframe.

During busy times like peak holiday rush hours or heavy traffic, drivers report exceeding the two-hour time block.

What are the potential consequences of getting in an accident while driving For Amazon Fresh?

Amazon’s Flex insurance policy for Amazon Fresh drivers is a commercial policy that won’t supplement your personal auto insurance policy.

Personal auto policies aren’t designed to cover driving for companies like Amazon as independent contractors.

For example, the California Insurance Commissioner reports that you could have gaps in insurance coverage while driving for a Transportation Network Company (TNC) or delivery service.

Insurance companies also have the right to cancel a personal auto policy if they find out you’re making deliveries in your car.

If you get in an accident while driving for Amazon Fresh, Amazon’s policy might not pay to repair your car or for any injuries you or passengers could suffer.

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What if I don’t tell my insurance company I’m driving for Amazon Fresh?

Most states and insurance companies consider driving for Amazon Fresh to be similar to being a pizza delivery driver.

According to the Law Dictionary, failing to tell your insurance company you’re making food deliveries constitutes insurance fraud.

Not only are there legal penalties in every state for insurance fraud, but your insurance could also be canceled. Getting new insurance is costly, and you might even suffer a suspended license or car registration because your policy was canceled.

So make sure you disclose your delivery driving to your insurance company and find out if any changes need to be made to your policy before getting started.

What are the insurance requirements for Amazon drivers?

Since your Amazon Flex Auto policy will only cover damage to your vehicle if you already have an insurance policy, you’ll need to start by comparing policies that are ideal for rideshare and delivery drivers.

Your policy doesn’t necessarily need to cover your vehicle while it’s being used for deliveries, as Flex Auto is a secondary commercial policy that takes care of that, but you’ll need to ensure that it’s fully compatible with Amazon’s coverage.

The best way to find a compatible plan is to examine several options and review each provider’s terms and conditions.

Before making a final decision, you should also contact the prospective insurance providers’ support staff to ask pertinent questions and explain your needs to ensure you aren’t overlooking anything.

If you’re only going to be driving for Prime Now and you have a personal policy that will work in conjunction with Amazon’s Flex Auto Policy, that would be the ideal route to take.

If you plan on driving for several courier services in the near future, you may want to opt for a more comprehensive commercial policy instead.

Where can I buy Amazon Delivery Driver Auto Insurance?

Although insurance companies typically recommend a commercial policy for individuals who will be acting as a courier, certain kinds of personal policies geared toward rideshare drivers may be ideal for on-demand delivery drivers as well.

An example of this is food delivery auto insurance.

Several well-known insurance companies have begun providing rideshare-oriented policies that cover drivers who are working for TNCs and on-demand app-based services like Prime Now.

Here’s a list of some of the more popular companies that offer rideshare/delivery insurance plans:

  • Allstate
  • Farmers
  • Progressive
  • USAA

Aside from the companies listed above that offer rideshare policies, on-demand delivery drivers working for Prime Now may also want to compare commercial policies.

While commercial insurance is typically more expensive, it also provides more extensive coverage and is applicable in more situations.

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What are the requirements to be an Amazon delivery driver?

How do I deliver for Amazon? You know you need appropriate auto insurance coverage to deliver for Amazon, but are there other stipulations such as Amazon Flex vehicle requirements? What about driver requirements?

Fortunately for interested drivers, it is fairly simple to qualify to be an Amazon delivery driver. You’ll need to meet the following minimum requirements:

  • Be at least 21
  • Have a driver’s license
  • Have appropriate auto insurance coverage
  • Use a vehicle that is at least a midsize sedan
  • Clear a background check

Once you’ve proven you meet the qualifications and Amazon completes their background check on you, you’re good to go.

What’s the bottom line?

You can deliver for Amazon with your car, but you’ll need the proper insurance coverage, because your personal policy may not cover you when you’re delivering for Amazon with your own car.

Amazon Flex commercial insurance is one option, offered through Amazon, to ensure you have the coverage you need when you’re delivering for Amazon.

However, you’ll only be able to qualify if you already have a personal policy that includes comprehensive and collision coverage.

In some states, like New York, this coverage won’t meet state insurance requirements and you’ll still need a commercial policy through your primary auto insurer.

Do you have more questions about Amazon Flex Delivery Auto Insurance?

Still have questions about Amazon delivery driver insurance requirements, Amazon delivery with a personal car, etc.? Read these frequently asked questions for more information.

#1 – How much can I earn delivering for Amazon?

It depends on where you live, how regularly you deliver, how quickly you complete your assigned block of deliveries, etc. However, according to Amazon Flex’s website, you may be able to make between $18 and $25 per hour.

#2 – What is the best vehicle for Amazon Flex?

As we already noted, you’ll need at least a midsize sedan to be a delivery driver for Amazon.

Amazon Flex does not have any specific makes or models they prefer, but they do state that smaller vehicles, trucks with an open bed, motorcycles, scooters, etc. are all currently prohibited. So, it helps if you have a larger vehicle that is not a pickup truck.

#3 – Have you been in an accident with an Amazon Flex driver?

If you’re in an accident with a driver who is in the process of delivering Amazon packages, you’ll need to file a claim with their insurance, just as you would if you’re in any other accident when the other driver is at fault.

#4 – Why do Amazon drivers face enormous pressure to meet tight delivery time frames?

Amazon has so many services and most promise a precise delivery time. Amazon’s famous two-day delivery promise adds pressure in addition to Amazon Fresh requiring packages to be delivered within two hours. If they miss that deadline and fail to complete a timely delivery, that is bad customer service.

Some drivers have cited various reasons they feel increasing pressure: vans parked far from where they clock in, unexpected traffic delays, and unpredictable weather are just a few of them.

Compare Amazon Flex delivery auto insurance rates, and buy cheap Amazon Flex delivery auto insurance. Just enter your ZIP code below to get started.

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