Walmart Delivery Insurance (Rates & Requirements)

If you need Walmart auto insurance to deliver groceries for Walmart then you need to tell your insurance company or shop for a special Walmart delivery auto insurance policy. To find the best Walmart insurance, get started comparing Walmart driver auto insurance quotes online now!

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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...

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 19, 2020

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Things to remember...

  • Your auto insurance will only cover you to make full-time grocery deliveries for Walmart if you have a commercial or business use policy
  • Walmart does not offer any extra insurance coverage for Uber drivers making deliveries
  • Uber drivers delivering Walmart groceries will be covered by a combination of Uber’s one million dollar liability policy and their own ridesharing auto insurance add-on
  • Store employees making part-time grocery deliveries on their way home may have coverage through Walmart’s commercial policy
  • Your personal auto policy could be canceled if you don’t notify them you’re delivering Walmart groceries


Will my auto insurance cover an accident delivering food for Walmart? Where can I get the best Walmart delivery driver car insurance rates? Walmart’s grocery delivery service is available in most states, but not all regions within every state. In California, Walmart only offers grocery delivery in the northern part of the state.

If you deliver groceries for Walmart through Uber, the company’s one million dollar commercial liability policy will cover the actual delivery. Uber’s $1 million commercial liability policy covers grocery deliveries for Walmart. Drivers must meet their state’s auto insurance minimums to apply.

Walmart has also been experimenting with a new program allowing store employees to deliver groceries or other online orders on their way home. Store employees may not be covered by their personal auto policies for making the deliveries, but need special food delivery insurance coverage.

Compare car insurance quotes right now to find the coverage you need at the best rate possible. Enter your zip code above to get started.

How is delivery for Walmart different from driving for Uber or Lyft?

Insurance companies view delivery driving differently from carrying passengers. Most auto insurance companies won’t provide personal insurance coverage for delivering groceries or packages for compensation.

Ridesharing And Transportation Network Companies

Lyft and Uber are ridesharing companies, and are also called Transportation Network Companies (TNCs).

State insurance websites often list insurance companies that will provide TNC driver insurance.

Insurance commissioners in most states have worked with insurers to develop ridesharing policy add-ons. The add-ons are designed to offer insurance benefits for drivers who carry passengers for:

  • Uber
  • Lyft
  • other similar companies

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What if I get in an accident while delivering Walmart food?

Uber Eats drivers picking up and delivering food from Walmart are covered by Uber’s one million dollar commercial policy after they have picked up food at the store, and while they are en-route to drop off the food.

Uber’s one million dollar liability coverage will pay for bodily injury to passengers or third-party vehicle damage.

The Insurance Information Institute offers in-depth information for all ridesharing, TNC or delivery drivers.

Understanding how your car insurance interacts with commercial insurance, whether you are an Uber driver or a Walmart employee dropping off groceries on the way home, is crucial when you’re comparing insurance policies.

Risks of Delivering Food for Walmart

You can be responsible for carrying large orders, including heavy bags of pet food or flats of soft drinks. You could experience a higher accident risk because these items might unexpectedly shift while you’re driving.

If you don’t tell your insurance company that you’re delivering food for Walmart, the company could cancel your policy. If you do have an accident while making a delivery, chances are high your insurer will find out.

State Requirements for Walmart Delivery Insurance

Walmart’s food delivery program for associates is still in its test phase. Drivers should possess the minimum state auto insurance in order to deliver orders on their way home from work.

The Insurance Information Institute maintains a current list of every state’s minimum insurance requirements.

What could it cost me if I have an accident with inadequate insurance coverage?

Your insurer could decline coverage for damage to another driver’s car or your vehicle if you get in an accident delivering for Walmart without notifying them.

Even worse, you could face lawsuits resulting from the crash, and they won’t be covered by and have no insurance coverage.

Accidents with injuries can lead to lawsuits for hundreds of thousands of dollars. You can also be on the hook for damage to other cars in the incident, or property damage if you hit a fence or building.

What are other risks if I make Walmart grocery deliveries?

Even if you’re a Walmart employee occasionally dropping groceries off on the way home, car insurance companies see delivery driving as risky.

The Law Dictionary says that keeping food delivery work a secret is a type of insurance fraud.

Each state has penalties for car insurance fraud which include fines and potential jail time. You already know that your car insurance could be canceled. If your insurance is canceled, then you could face a suspended driving license or vehicle registration.

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What are my next steps for insurance if I deliver food for Walmart?

Some insurance providers offer commercial or small business insurance designed for people who have to drive their cars as part of their job. These policies could have begun as products for on-the-road salespeople, floral delivery drivers, or even pizza delivery drivers.

Insurance for delivering food for Walmart can be available if your state and city. An insurance policy for small business delivery services can be affordable, especially if you speak with the company before you start making deliveries.

Grocery and package delivery services are on the rise. More insurance add-ons will be offered shortly.

Companies and insurance commissions are working out the details of fair pricing and responsibility, and have already helped to make add-ons for Uber and Lyft driving for passengers available in nearly every state.

Compare car insurance quotes for the kind of driving you’re planning on doing. Enter your zip code into our free comparison tool below to get started.

References:

  1. https://grocery.walmart.com/locations/index.html
  2. https://newsroom.uber.com/insurance-for-uberx-with-ridesharing/
  3. https://www.murphyprachthauser.com/blog/insurance-issues-if-you-are-a-delivery-driver-using-your-personal-vehicle
  4. https://www.insurance.ca.gov/0250-insurers/0300-insurers/0200-bulletins/bulletin-notices-commiss-opinion/TransNetwkDrvrs.cfm
  5. https://www.iii.org/article/ride-sharing-and-insurance-qa
  6. https://blog.walmart.com/innovation/20170821/your-delivery-has-arrivedwith-all-your-walmart-goodies
  7. https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists#Automobile%20Financial%20Responsibility%20Limits%20And%20Enforcement%20By%20State
  8. https://thelawdictionary.org/article/what-auto-insurance-covers-for-pizza-delivery/
  9. https://www.insureuonline.org/smallbusiness/type_commercial_vehicle.htm

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