Postmates Auto Insurance: Rates & Requirements (2024)
Postmates drivers automatically get some liability coverage, but you’ll want to have a personal coverage policy for full protection. Read on for all you need to know about Postmates auto insurance.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
Certified Financial Planner
UPDATED: Jan 16, 2024
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: Jan 16, 2024
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
- Postmates offers some forms of liability coverage to its couriers
- Standard auto insurance policies may not cover your vehicle if you’re in an accident while making a delivery
- You may need commercial coverage or a business use add-on to your auto insurance policy for adequate protection
Postmates is a delivery service for food and other goods, where couriers can deliver items via cars, bikes, scooters, and on foot. If you’re interested in working for Postmates, you’ll need proper car insurance. So what are Postmates’ auto insurance requirements?
Postmates provides extra auto insurance coverage to its couriers, but drivers must purchase car insurance coverage meeting their state’s requirements to drive for the company.
Does Postmates offer car insurance to its employees?
Postmates offers several types of auto insurance coverage to its delivery personnel. Some of the options for coverage include:
- Excess auto liability coverage. With this coverage, Postmates provides liability coverage of up to $1 million per accident for couriers.
- General liability coverage. General liability with Postmates offers up to $1 million worth of liability coverage for couriers delivering food and goods on foot or by bike. This coverage also applies to a third party’s bodily injury and property damage.
- Accidental occupational liability. Accidental occupational liability is an uncommon coverage setting Postmates apart as a delivery service. It protects delivery personnel with up to $50,000 in medical expenses for injuries sustained during delivery.
Postmates’ coverages are helpful for all delivery employees, particularly since not all delivery companies offer insurance to drivers. However, anyone using their car to deliver must purchase car insurance meeting their state’s minimum coverage requirements.
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What does Postmates insurance not cover?
Postmates doesn’t offer car insurance to its drivers when they’re not working for the company. So anyone who works for Postmates must carry a separate car insurance policy.
Required liability coverages vary by location. Each state sets its own laws for car insurance requirements. The table below shows requirements in each state for liability coverage.
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
Most states require property damage and bodily injury coverage, but some require additional coverage like personal injury protection, medical payments, and uninsured/underinsured motorist coverage.
However, the above coverages may be inadequate if you drive with Postmates. So it’s a good idea to consider additional coverage options if you work as a courier or delivery person in your state.
How to Drive for Postmates
If you’re considering applying for Postmates work, there are some Postmates driver requirements you may want to consider. Postmates says its employees must have the following:
- A high school diploma
- A valid U.S. driver’s license
- A working vehicle (some areas allow for other methods of transportation)
- A smartphone
Requirements for Postmates drivers are relatively relaxed. There are no Postmates driving requirements, as some cities and areas allow Postmates couriers to deliver by foot, bike, or scooter. Still, Postmates drivers should consider the coverage that’ll work best for them.
Requirements for Postmates Driver Insurance
You may want to lean on three options as a Postmates driver: your personal auto policy, standard commercial coverage, and a business-use policy.
While personal auto insurance policies are the most obvious solution because they’re already mandatory for anyone who owns a vehicle, depending on your personal car insurance for coverage as a delivery driver can be risky. Many insurance companies have exclusions for the business use of your car.
Insurers could deny your claim if you get in an accident while driving for Postmates. Additionally, the insurer could cancel your policy if it was unaware you used your car for work before the accident.
People who drive for work should consider commercial coverage. If you deliver for Postmates — particularly if you’re full-time — a commercial policy offers extensive coverage on your vehicle in the event of an accident. Commercial car insurance can be expensive, but it provides peace of mind to delivery drivers.
A business use policy, or a business use add-on to a policy, is the middle ground between your personal auto insurance policy and commercial coverage. With business use, you acknowledge that you use your car occasionally for work purposes and could add limited commercial coverage to your personal policy.
Before you become a Postmates driver, ask a representative with your insurance company which option might work best for you. Clarify that you work as a delivery driver and ask whether your personal policy covers you while making deliveries.
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Postmates Auto Insurance: The Bottom Line
If you want to learn how to drive for Postmates, it’s not too complicated — you can apply with the company if you meet its requirements. If you plan to drive your car to make deliveries, you must carry a policy meeting your state’s minimum requirements for car insurance coverage.
Postmates drivers should consider carrying extra coverage outside of what the company offers. For example, a commercial insurance policy or a business-use add-on to a policy may work well for you if you work for Postmates.
Frequently Asked Questions
Does Postmates provide insurance coverage for accidents that occur while making deliveries?
Postmates does provide some insurance coverage, such as excess auto liability coverage, which offers up to $1 million per accident for couriers. However, it’s important to note that the coverage provided by Postmates may not be sufficient, and drivers should consider additional coverage options.
What happens if I get into an accident while delivering for Postmates and my personal auto insurance denies the claim?
If your personal auto insurance denies a claim related to an accident that occurred while delivering for Postmates, you may need to rely on the insurance coverage provided by Postmates. However, it’s essential to review the terms and conditions of the coverage to understand the extent of protection it offers.
Can I use my personal auto insurance policy for Postmates deliveries if I have a business use add-on?
Having a business use add-on to your personal auto insurance policy can provide limited commercial coverage for using your car occasionally for work purposes. However, it’s crucial to consult with your insurance company to ensure that your policy covers you adequately while making deliveries for Postmates.
Does Postmates provide coverage for damage to my vehicle caused by accidents or theft?
Postmates’ insurance coverage primarily focuses on liability protection for drivers. It may not provide coverage for damage to your vehicle resulting from accidents or theft. You may need to consider comprehensive or collision coverage through your personal auto insurance policy to protect against such damages.
Can I use rideshare insurance for Postmates deliveries?
Rideshare insurance typically covers drivers when they are transporting passengers for services like Uber or Lyft. However, it may not provide the necessary coverage for delivery services like Postmates. Contact your insurance provider to determine if your rideshare insurance extends to delivery work or if additional coverage is required.
What steps should I take if I’m involved in an accident while delivering for Postmates?
If you’re involved in an accident while making a delivery for Postmates, it’s important to prioritize safety and follow standard accident procedures. This includes ensuring the well-being of all parties involved, documenting the incident, collecting relevant information (such as driver details and witness statements), and contacting both Postmates and your insurance company to report the incident.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
Certified Financial Planner
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.