DoorDash Auto Insurance: Rates & Requirements (2023)
DoorDash insurance only covers you while actively delivering food, so it likely won't provide all the necessary coverage. DoorDash auto insurance offers up to $1 million in liability protection for Dashers. Learn how to find cheap DoorDash car insurance costs and meet state minimum requirements.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- DoorDash offers auto insurance to drivers that meet specific requirements
- If you work for DoorDash or any other delivery service, you must have proper auto insurance coverage
- Some auto insurance companies offer special coverage for delivery drivers
If you work for DoorDash, you may be eligible for free liability auto insurance coverage through the company. DoorDash offers auto insurance coverage to employees that meet specific requirements, but the options for auto insurance only cover liability.
Whether you get auto insurance through DoorDash or an insurance company, you must carry your state’s minimum insurance requirements to drive legally. However, many delivery drivers choose to purchase additional auto insurance coverage to ensure they’re protected.
Read on to learn whether you can get a DoorDash car insurance discount, how to find the best car insurance for DoorDash drivers, and compare cheap auto insurance rates for DoorDash coverage.
Understanding DoorDash Auto Insurance
DoorDash offers auto insurance coverage for its drivers they call “Dashers.”
Auto insurance through DoorDash only provides coverage to Dashers actively delivering items. So if you’re driving to a merchant after receiving an order or driving from the merchant to the customer, DoorDash auto insurance could help cover your vehicle.
The primary requirement for DoorDash car insurance is that coverage must always come from a Dasher’s personal insurance provider first. DoorDash commercial coverage will help cover an accident only after filing a claim with your own insurance company.
In many cases, DoorDash insurance won’t have to cover an accident if your insurance company covers it.
DoorDash automatically includes auto insurance, and you don’t have to pay for coverage. However, there are certain instances where DoorDash coverage won’t help you when driving your vehicle.
For DoorDash insurance to cover a claim, you must be on an active delivery, and your insurance must have denied your insurance claim or not covered the total amount of your claim.
DoorDash may choose to cover an accident if your insurance doesn’t cover the total amount of the claim, but it will depend on the scenario. For example, if you lost your auto insurance coverage or voided your contract with your provider by doing something like drinking and driving, DoorDash auto insurance may not help you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
DoorDash Auto Insurance Requirements for Delivery Drivers
Every driver must carry liability coverage that meets their state’s minimum auto insurance requirements. The table below shows the minimum auto insurance coverage required in each state.
Minimum Auto Insurance Coverage Requirements by State
States Coverages Limits
Alabama Bodily injury and property damage liability 25/50/25
Alaska Bodily injury and property damage liability 50/100/25
Arizona Bodily injury and property damage liability 15/30/10
Arkansas Bodily injury and property damage liability; personal injury protection 25/50/25
California Bodily injury and property damage liability 15/30/5
Colorado Bodily injury and property damage liability 25/50/15
Connecticut Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Delaware Bodily injury and property damage liability; personal injury protection 25/50/10
Washington, D.C. Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/10
Florida Property damage liability and personal injury protection 10/20/10
Georgia Bodily injury and property damage liability 25/50/25
Hawaii Bodily injury and property damage liability; personal injury protection 20/40/10
Idaho Bodily injury and property damage liability 25/50/15
Illinois Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Indiana Bodily injury and property damage liability 25/50/25
Iowa Bodily injury and property damage liability 20/40/15
Kansas Bodily injury and property damage liability; personal injury protection 25/50/25
Kentucky Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist protection 25/50/25
Louisiana Bodily injury and property damage liability 15/30/25
Maine Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 50/100/25
Maryland Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/15
Massachusetts Bodily injury and property damage liability; personal injury protection 20/40/5
Michigan Bodily injury and property damage liability; personal injury protection 20/40/10
Minnesota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/10
Mississippi Bodily injury and property damage liability 25/50/25
Missouri Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Montana Bodily injury and property damage liability 25/50/20
Nebraska Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Nevada Bodily injury and property damage liability 25/50/20
New Hampshire Financial responsibility only 25/50/25
New Jersey Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 15/30/5
New Mexico Bodily injury and property damage liability 25/50/10
New York Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/10
North Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 30/60/25
North Dakota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/25
Ohio Bodily injury and property damage liability 25/50/25
Oklahoma Bodily injury and property damage liability 25/50/25
Oregon Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/20
Pennsylvania Bodily injury and property damage liability; personal injury protection 15/30/5
Rhode Island Bodily injury and property damage liability 25/50/25
South Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
South Dakota Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Tennessee Bodily injury and property damage liability 25/50/15
Texas Bodily injury and property damage liability; personal injury protection 30/60/25
Utah Bodily injury and property damage liability; personal injury protection 25/65/15
Vermont Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/10
Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/20
Washington Bodily injury and property damage liability 25/50/10
West Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Wisconsin Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 25/50/10
Wyoming Bodily injury and property damage liability 25/50/20
If you drive for DoorDash, you must carry your state’s mandatory liability coverage, but DoorDash won’t require commercial coverage. Still, some delivery drivers choose to purchase special coverage to ensure they’re better protected.
Why You Need DoorDash Rideshare Auto Insurance
Some delivery drivers purchase additional rideshare auto insurance to ensure they have higher amounts of liability protection.
Most rideshare policies also offer more coverage for property damage and personal injuries. Added protection like this is helpful if you are ever in a wreck that causes significant damage or injuries. In addition, many rideshare car insurance policies cover legal fees if a delivery driver incurs legal expenses.
Some drivers who use their personal vehicles for deliveries purchase a business use policy, which offers coverage similar to a commercial auto insurance policy. If you use your vehicle to make deliveries for work, a business use policy could be a good option for you.
If you drive your car for business use and don’t inform your insurance company, your claim could get denied. So tell your insurance company if you use your vehicle as a delivery driver, and ask about the rideshare insurance options available for you.
DoorDash Auto Insurance Cost
The amount you pay for DoorDash insurance coverage depends on several factors: the car you drive, where you live, how often you drive for work, and more.
Check out the table below to see how much you’ll pay for a DoorDash rideshare insurance policy from the top companies:
Insurance Company Monthly Rates
Allstate Under $2 per month
Erie $9 to $15 per month
Farmers $13 to $20 per month
Geico $7 to $14 per month
Liberty Mutual $12 to $19 per month
Mercury $27 per month
Nationwide $11 to $18 per month
Progressive $8 to $15 per month
Safeco $10 per month
State Farm 15% - 20% of auto insurance policy
USAA $6 per month
Suppose you want to purchase rideshare coverage but only drive for a delivery service like DoorDash part-time. In that case, you may be able to find a DoorDash insurance company willing to cover you for a low rate.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
The Best DoorDash Auto Insurance Companies
You’ll want to shop around to find the best auto insurance options as a delivery driver. Some companies are known for offering helpful coverage to DoorDash employees and other delivery drivers at competitive rates, including:
- USAA auto insurance
- Erie auto insurance
- Progressive auto insurance
- Allstate auto insurance
- Geico auto insurance
- State Farm auto insurance
Personal auto rates for delivery drivers vary based on their state and the coverage amount they choose. However, you can find competitive DoorDash insurance rates when comparing quotes from multiple companies in your area.
More About Why DoorDash Auto Insurance Is Essential
DoorDash offers secondary auto insurance coverage to its Dashers, but you’ll have to use your personal auto insurance policy first. All DoorDash drivers must also meet state minimum insurance requirements. Since DoorDash coverage is limited, many delivery drivers purchase a rideshare or commercial auto insurance policy to ensure they’re covered.
Driving for DoorDash or UberEats 🚘can be a great way to earn money, but an accident could become an insurance nightmare with the wrong car insurance. https://t.co/27f1xf131D has written a guide📑 for delivery drivers, and you can check it out here👉: https://t.co/tvMtEK88hn pic.twitter.com/iWpsHmj2ot
— AutoInsurance.org (@AutoInsurance) August 15, 2023
There are various factors that affect auto insurance rates for rideshare coverage. The best way to get the cheapest DoorDash insurance rates is to shop around and compare quotes for coverage.
Frequently Asked Questions
Does DoorDash offer auto insurance?
DoorDash offers auto insurance coverage for its drivers, known as “Dashers.” However, this coverage is limited and only applies while actively making a delivery.
How much is DoorDash insurance?
You could pay as low as $6 monthly for DoorDash insurance. Read more about finding cheap delivery driver auto insurance rates.
Is there a DoorDash car insurance discount?
No, there is no auto insurance discount for being a DoorDash driver.
When will DoorDash auto insurance help me?
DoorDash auto insurance will help you if you’re on an active delivery and your personal insurance provider has denied your claim or not covered the total amount. DoorDash may choose to cover an accident if your personal insurance doesn’t provide sufficient coverage, depending on the circumstances.
Do delivery drivers need special insurance coverage?
All drivers, including delivery drivers, must carry liability coverage that meets their state’s minimum requirements. While DoorDash doesn’t require commercial coverage, some delivery drivers opt to purchase additional coverage to ensure they have adequate protection.
Why would delivery drivers need commercial coverage?
Delivery drivers may choose to purchase commercial coverage for higher liability protection, increased coverage for property damage and personal injuries, and potential coverage for legal fees. Some drivers may also consider a business use policy if they use their personal vehicle for deliveries.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.