Shipt Auto Insurance (Rates & Requirements)

There is no specific Shipt auto insurance, but you're required to carry your state's minimum auto insurance requirements while driving for any company, including Shipt. Personal insurance will likely not cover Shipt drivers, so you should look at a business policy or endorsement. You could pay as much as $362 per month for full coverage Shipt driver insurance. Compare multiple companies and shop around to find affordable car insurance for Shipt drivers.

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 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

  • The Shipt car insurance coverage you need for your business-use vehicle differs from personal car insurance
  • A specific policy for Shipt drivers isn’t available, but affordable Shipt auto insurance can be purchased from several companies
  • You may want to consider higher limits if you’re driving for Shipt

Shipt auto insurance does not exist, but you can find cheap auto insurance while shopping and delivering food through Shipt. It’s a great way to pick up some extra cash, but you will need to consider all the other expenses that come with it, and finding cheap Shipt car insurance coverage is one of the biggest.

In addition to the cost of gas and maintenance on your vehicle, you will need to pay for Shipt car insurance coverage.

But do you need auto insurance for Shipt beyond normal coverage? It depends on the conditions of your vehicle and the minimum auto insurance requirements of your state.

Covering your vehicle with a personal policy is often inexpensive and easy, but covering it for business use can be completely different.

Compare Shipt auto insurance quotes auto insurance coverage you need by entering your ZIP code into our free online quote tool above to get started.

Why do you need commercial auto insurance as a Shipt Driver?

We’ve talked about commercial insurance having higher rates, but now let’s look at the numbers.

This table breaks down the average Progressive rates for different types of food delivery jobs based on a 45-year-old male in South Carolina. Shipt auto insurance rates will likely be similar.

Average Progressive Car Insurance Rates for a 45-year-old Male Delivery Driver
Type of Delivery Insurance NeededProgressive
Monthly Rate
6-Month Rate
Annual Rate
Personal Insurance
(No Delivery)
Personal Insurance
Won't CoverWon't CoverWon't Cover
Food Delivery
Food Delivery
(Just Business)
Pizza Delivery
Pizza Delivery
(Just Business)
(Just Business)
Food Truck
Food Truck
(Just Business)
Food Truck
Get Your Rates Quote Now

Compare RatesStart Now →

You can see that the rate difference between personal and business with private insurance is very small. Based on these numbers, it would not make sense to risk not adding the business coverage to your insurance.

Your Shipt Auto Insurance Policy

If you have a car, you probably already have an insurance policy. Most states have required minimum coverage liability insurance while using your car, which averages around $20,000 per person for injuries and $15,000 for property damage.

According to the California Department of  Insurance, companies like Shipt have become part of essential services due to the COVID-19 pandemic. Therefore, the correct car insurance policy is important.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Do you need special auto insurance for Shipt?

When you’re shopping around and talking to different insurance agents, a question that will come up is whether you use the car for business purposes.

Does Shipt verify car auto insurance? Yes, Shipt verifies that you have the right auto insurance coverage, so you must have it in place when starting the Shipt application process.

It’s also important to note that Shipt can deny you if you don’t have the correct coverage in place. You will need to make sure you have proper food delivery car insurance coverage to drive for Shipt.

Personal Policy

Beyond the state minimum, you can include collision and comprehensive coverage on your policy. Most experts agree that adding these coverages will save you money on out of pocket expenses in the long run.

Collision will cover:

  • Collision with another vehicle.
  • Vehicle rolling or tipping over.
  • Collision into a person or property.

Many people choose to have this coverage to pay for their car if they are in an at-fault accident.

In addition to collisions, some choose to have comprehensive on their policies. This will pay for:

  • Damage caused by an animal
  • Vehicle damage as a result of nature
  • Fire and theft

Let’s look at the average annual rate for auto insurance broken down by type of coverage.

Average Annual Auto Insurance Rates By Coverage Type
CompaniesAverage Annual Auto Insurance Rates for High CoverageAverage Annual Auto Insurance Rates for Low CoverageAverage Annual Auto Insurance Rates for Medium Coverage
American Family$3,416.40$3,368.49$3,544.37
Liberty Mutual$6,356.04$5,805.75$6,058.57
State Farm$3,454.80$3,055.40$3,269.80

Compare RatesStart Now →

The average annual cost for full or high coverage (including liability, collision, and comprehensive) in the United States is around $4,100 per year or $342 per month.

It can vary by as much as $1,000 depending on what state you are in, driving history, and other factors.

Keeping a good driving record and credit history are just two ways to help you keep your auto insurance rates for Shipt low. Shipt costs an extra $20 on full coverage auto insurance, which is estimated at around $362 per month. 

Shipt Business Auto Insurance Policy

While insurance for your commercial vehicle will cover nearly the same thing, the cost can be much higher.

The cost can be higher because you are driving the car more often, you may be driving on more dangerous roads and more is at-risk if you are in an accident.

Even small business owners and contractors – such as individuals who drive for Shipt – need to consider commercial vehicle insurance. A policy like this will help you if you are in an accident while you are driving the company.

Endorsement Coverage

In some states, you may be able to have a commercial endorsement added to your policy.

An endorsement is beneficial for people like Shipt shoppers who need commercial vehicle coverage while working for the business.

Since Shipt shoppers are independent contractors, you will need your vehicle’s coverage while doing that work. Shop around for an insurance agent who can give you a commercial endorsement for your insurance policy.

An endorsement works as being somewhat of a supplement to your current insurance policy. While your insurance will not cover you during the normal business course, an insurance agent can write a legally attached document to your policy.

It will cover you if something happens while you are driving for Shipt.


Buying Auto Insurance for a Shipt Driver

There are several steps you’ll need to take to get insured as a commercial driver.

Since you are working as an independent contractor, it is your responsibility to get insurance. Don’t expect Shipt to pay for your insurance or cover you if you are in an accident.

When you start shopping around and talking to insurance agents about the coverage you need, be sure to have these things ready to use to get coverage:

  • You need information about your vehicle or your current auto insurance policy.
  • An average number of miles you will be driving.
  • The cost of the total commercial items you’ll be carrying in your vehicle.

Having these things ready will make it easy for your insurance agent to give you an accurate quote. The more information you have on your commercial vehicle use, the easier it will be for your agent to find the right policy for you.

Keep in mind that you will still need to keep your insurance coverage. 

You might not be using your vehicle for commercial purposes all the time when you’re delivering for Shipt, so you will need a personal policy to protect you during the times you’re not working and delivering groceries for Shipt.

Considering the cost of a vehicle, can you do Shipt without a car? The answer is yes, you don’t have to own the car you are using, but you do have to be insured to drive the vehicle you are using.

Finding Cheap Auto Insurance for Shipt Drivers

Now that you know your insurance policy will not cover you if you are in an accident while driving for Shipt, you can start looking for a commercial insurance policy. The problem, though, is that they can be costly.

There are a few ways you can save money on your insurance policy.

By bundling it with your personal auto insurance, shopping around for the best agent and quote and learning about what you need for coverage, you can save money on your policy.

Always look for the coverage you’re going to need because you might end up overpaying for coverage that isn’t necessary.

Compare car insurance quotes today to find the coverage you need at the best rate possible! Enter your ZIP code in our FREE comparison tool below to get quotes for cheap personal and commercial auto insurance for Shipt drivers.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Frequently Asked Questions: Insurance Coverage Delivering for Shipt

We’ve gathered some of the more commonly asked questions about Shipt. Keep reading for answers!

#1 – What are Shipt shopper milestones?

Points are awarded to employees, or shoppers, for each shop they perform. Once they collect enough points, they hit a milestone and receive free items ranging from a t-shirt to vacations.

#2 – What is the Shipt welcome package?

Each new shopper is sent a welcome package, including a t-shirt and card to use when shopping.

#3 – Are there Shipt job openings?

Yes, Shipt is hiring. If you are interested in working for Shipt, Indianapolis is just one city currently hiring.

#4 – What can Shipt customer service help me with?

Customer service can help with any number of problems, including trouble with your order or even how to quit working for Shipt.

#5 – Can I choose my Shipt shopper zone?

Yes, Shipt Shoppers can choose the areas where they want to deliver.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption