FreshDirect Auto Insurance

FreshDirect reviews don’t state whether it offers its drivers the option to sign up with company commercial insurance. Never fear, though- read on to learn how to get FreshDirect auto insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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: Jun 21, 2022

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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.

Things to remember...

  • Drivers for FreshDirect must have the legal minimum amount of auto insurance
  • FreshDirect also requires its drivers to have a clean driving record 
  • Drivers can save on commercial auto insurance by shopping around

If you want to become a delivery driver for FreshDirect, you must have the right auto insurance coverage to cover you if you are in an accident while making deliveries. Unfortunately, FreshDirect reviews and the company’s website don’t state that it has a company auto insurance policy for employees to join, so employees must get their own insurance policy.  

All FreshDirect delivery drivers who use their personal cars will need a valid license and should have commercial coverage (click here if you’d like to learn three tips to buy cheap commercial auto insurance). Read on to learn more about FreshDirect auto insurance. 

FreshDirect Auto Insurance Requirements

What kind of insurance you need depends on what type of work you do for FreshDirect. For example, truck drivers and drivers using their own cars should have commercial auto insurance.

Because FreshDirect will likely ask for proof of insurance before hiring, it’s important to carry the right auto insurance that will protect you if you get into an accident while making deliveries. You may even consider getting buy-and-print auto insurance proof online. The last thing you want is to get sued by another driver and not have the proper protection. 

Personal Auto Insurance for FreshDirect 

Suppose you work as a food delivery employee for FreshDirect, or another similar role that doesn’t require driving FreshDirect’s vehicles for deliveries. In that case, you’ll need a personal car insurance policy. 

Of course, you’ll need to make sure you meet your state requirements for auto insurance. It is best to ensure that you have more than the minimum state requirements for auto insurance, so you are better protected in case of an accident. 

Commercial Auto Insurance for FreshDirect 

You should have commercial auto insurance in two situations. First, if you are driving one of the FreshDirect company’s trucks, you’ll need commercial auto insurance. FreshDirect doesn’t specify if they provide commercial auto insurance for delivery drivers, implying drivers will need their own policy rather than signing up with a company policy. 

Second, you will also need commercial auto insurance if you use your vehicle to make deliveries for FreshDirect. Delivering food with your car is considered “business use.” Therefore, commercial insurance protects you better if you get into an accident while making deliveries. 

In fact, in any situation where you use a personal vehicle for work, it’s important to carry commercial auto insurance. Otherwise, your insurance company could deny your claim if you were in an accident when using your car for business. 

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Other Requirements For FreshDirect Truck Drivers

In addition to having car insurance, truck drivers must also have a clean driving record to work for FreshDirect. FreshDirect posted the following requirements on their job postings for drivers: 

  • Eight or fewer points on their driving record
  • Can’t have any suspensions within the last 12 months 
  • Can’t have more than one suspension in the last three years
  • Can’t have more than one accident in the previous three years
  • Can’t have more than three moving violations within the last three years

If you are a tractor-trailer driver, you must also have a CDL Class A license and understand and follow DOT regulations

How to Find Cheap Insurance For FreshDirect 

If you are concerned about the price of insurance needed to drive for FreshDirect, there are plenty of ways to help reduce costs, even if you shop with the best commercial auto insurance companies. These are some of our best tips:  

  • Use insurance policy discounts. Take advantage of as many car insurance discounts as you can. Even small ones like paperless discounts can help. 
  • Participate in safe-driving programs. Some insurance companies offer discounts for driver’s education or defensive driving courses, whereas others offer safe driving programs where an app tracks your driving and calculates your score. 
  • Shop around for insurance quotes. Getting quotes from multiple auto insurance companies is the best way to ensure you get the best rate possible

However, make sure you don’t skimp on auto insurance coverage just to save on car insurance rates. Being well-protected when working for a company and driving their vehicles is especially important. 

The Bottom Line With FreshDirect Auto Insurance 

FreshDirect doesn’t appear to offer a company commercial auto insurance policy for drivers, so they will have to find their own commercial insurance policy. If you aren’t using your vehicle to drive for FreshDirect, you can stick with a standard auto insurance policy on your car.  

Shopping around can help cut costs for commercial auto insurance when driving for FreshDirect. Use our free quote comparison tool to find your area’s best auto insurance rates.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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