FreshDirect Auto Insurance (Rates & Requirements)

Required FreshDirect auto insurance coverage is commercial auto insurance that will cover you while making deliveries. FreshDirect auto insurance is not available in-house. Average rates are $273.08/month, but to find the best FreshDirect auto insurance shop around.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

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...

  • A commercial car insurance policy is the best form of protection for FreshDirect delivery drivers
  • FreshDirect does not offer car insurance for their delivery drivers
  • You must have insurance that meets state minimum requirements before you can even get a job with FreshDirect

Will my auto insurance cover an accident delivering food for FreshDirect? You need FreshDirect delivery driver auto insurance coverage to be properly covered. One of the greatest things about living in this day and age is the accessibility of virtually anything and everything you could ever want.

  • Amazon Prime has anything you need to be delivered right to your door in two days or less, and they’re offering immediate delivery in some areas.
  • If you want groceries, you can ask your local supermarket to deliver.
  • You can call Uber Eats and schedule dinner from your favorite restaurant delivered right to your door.
  • FreshDirect now offers healthy, fresh meal delivery service right to your door if you live in one of their urban delivery areas.

Life is easier with all of these options, and it also provides people with more jobs to choose from. If you need a job, you can apply for one delivering food for a company such as FreshDirect, earn a paycheck, and even earn benefits if you work full-time.

Delivering seems like a great job; you aren’t in an office all day, you get to see more of your city, and you get to spend time helping people embrace a healthier lifestyle.

What happens, though, if you’re involved in a car accident while delivering a meal for FreshDirect? Does your insurance cover the accident?

Compare FreshDirect delivery driver car insurance quotes right here to find the best rate for the coverage you need. Enter your zip code above to get started!

You Must Have Auto Insurance that Meets Your State Minimum Requirement

No matter who you are and where you live, you must carry car insurance to cover your vehicle. The state in which you live mandates you carry liability insurance.

Each state lists what they expect from every driver. If you choose not to carry insurance, you’re going to pay fines and face serious penalties. It’s against the law to drive anywhere without car insurance, and you won’t get a job delivering for FreshDirect if you’re not insured.

You must provide proof of your coverage when you apply for the job.

If your car is one you own outright, you’re free to choose to insure the vehicle as little or as much as you want to satisfy state requirements for coverage.

If your car is leased or financed, you’re required to have full coverage by the lender. If you don’t carry full coverage, your lender can issue one warning before they purchase a policy for you to pay for so their investment is not a liability to them.

The lender won’t shop around and compare rates, which is why you want to do that so you get the best food delivery driver insurance rates.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

What happens if I’m involved in an accident delivering food for FreshDirect?

Several things can happen if you are involved in an accident delivering for FreshDirect. The food delivery service requires you to carry your own insurance to drive for them.

The company does not issue a car insurance policy, so your own insurance is liable if you’re involved in an accident.

If you are not the at-fault driver in a state where the at-fault party’s insurance pays for the accident, you have no worries. The insurance of the at-fault driver pays for everything.

If you live in a no-fault state or you were to blame for the accident, you will call your insurance agency and file a claim. The officer filling out the police report at the scene might ask you if you were doing anything specific while driving and include that in the report.

Your insurance agency could deny your claim if they see you were using your personal vehicle for work purposes for another company. This certainly doesn’t mean they will deny the claim, but they could deny it.

Accident Victims Can Sue FreshDirect for Your Accident

If your insurance company denies your accident claim, your insurance agency or the victim of the accident could decide to file a personal injury lawsuit for damages. The most common thing to do in a situation like this is to file the suit against the company.

FreshDirect could end up being indirectly blamed for the accident, but there are many stipulations and laws in different states that might make this more serious or even impossible.

It all depends on where you live, what kind of insurance you have, and the severity of the accident.

Protecting Yourself and Finding Affordable Car Insurance

One thing you can do to protect yourself in case of an accident while delivering for FreshDirect is to carry a commercial car insurance policy of your own.

It’s something you can add to your personal car insurance policy, and it’s highly recommended. It leaves very little room for you to end up with a denied accident claim and the fear of paying tens of thousands of dollars in repairs and medical bills.

To ensure you get the best rates and don’t pay too much, be sure you have a good credit score and a good driving record. 

You may also ask insurance agencies for discounts. Some offer multi-car discounts, bundled policy discounts, and even discounts for paying your premium upfront rather than on a monthly basis.

Compare the rates you’re given, and choose the policy that protects you and fits into your budget. Enter your zip code below to get started.

References:

  1. https://www.freshdirect.com/help/delivery_info.jsp
  2. https://www.murphyprachthauser.com/blog/insurance-issues-if-you-are-a-delivery-driver-using-your-personal-vehicle
  3. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  4. https://www.consumerfed.org/pdfs/140310_penaltiesfordrivingwithoutautoinsurance_cfa.pdf
  5. https://www.iii.org/article/do-i-need-commercial-auto-insurance-policy

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption