Doordash Auto Insurance (Rates & Requirements)
The car insurance offered by DoorDash to its drivers only covers you when you're actively making a delivery, and it likely won't provide all the coverage you need. Learn how to find the best and cheapest DoorDash car insurance.
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UPDATED: Jun 14, 2022
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Table of Contents
- 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 liability 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 liability car insurance coverage to drive legally. However, many delivery drivers choose to purchase additional auto insurance coverage to ensure they’re protected.
Table of Contents
Does DoorDash offer auto insurance?
More: Domino’s Pizza Auto Insurance (Rates & Requirements)
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.
More: Marco’s Pizza Auto Insurance
In many cases, DoorDash insurance won’t have to cover an accident if your insurance company covers it.
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When will DoorDash auto insurance help me?
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.
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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.
Do delivery drivers need special insurance coverage?
Every driver must carry liability coverage that meets their state’s minimum requirements. The table below shows the minimum auto insurance coverage required in each state.
States Coverage Types Coverage 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 would delivery drivers need commercial coverage?
Some delivery drivers purchase commercial coverage to ensure they have higher amounts of liability protection.
Most commercial 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 commercial 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 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 options available for you.
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How much is commercial coverage as a delivery driver?
The amount you will pay for commercial coverage depends on several factors: the car you drive, where you live, how often you drive for work, and more.
The table below shows average rates for commercial auto insurance depending on the vehicle you drive.
Car Type Minimum Annual Commercial Auto Insurance Rates Maximum Annual Commercial Auto Insurance Rates
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
Depending on your vehicle and the nature of your job, you could spend around $10,000 or more on commercial coverage annually.
Suppose you want to purchase commercial coverage but only drive for a delivery service like DoorDash part-time. In that case, you may be able to find an insurance company willing to cover you for a low rate.
What are the best insurance companies for delivery drivers?
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. These companies include:
- USAA
- Erie
- Progressive
- Allstate
- GEICO
- State Farm
Personal auto rates for delivery drivers vary based on their state and the coverage amount they choose. However, you can find competitive rates when comparing quotes from multiple companies in your area.
DoorDash Auto Insurance: The Bottom Line
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 carry a minimum of liability auto insurance.
Since DoorDash coverage is limited, many delivery drivers purchase a business use or commercial auto insurance policy to ensure they’re covered.
Rates for auto insurance coverage vary for many different reasons. The best way to get the cheapest rates is to shop around and compare quotes for coverage.
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.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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