Best Delivery Driver Auto Insurance in 2024 (Find the Top 10 Companies Here!)
Progressive, State Farm, and Nationwide provide the best delivery driver auto insurance, with rates starting at a mere $39 per month. We aim to assist you in comparing insurance rates from these leading companies, guaranteeing you receive optimal coverage and tailored discounts specific to your vehicle.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Apr 18, 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: Apr 18, 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
Company Facts
Avg. Monthly Rates
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rates
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rates
A.M. Best Rating
Complaint Level
Pros & Cons
- Progressive provides competitive rates starting at $39 monthly
- Leading insurance firms offer potential discounts for delivery drivers
- Discount options are available to secure auto insurance for delivery drivers
#1 – Progressive: Top Overall Pick
Pros
- Customized Policies: In our Progressive auto insurance review, customized coverage options cater to cars.
- Robust Rates: Progressive provides affordable pricing.
- Price Reduction: Progressive offers various discount opportunities, including those specific to cars.
Cons
- Claims Handling: People may experience delays or complications in the claims process.
- Limited Discounts: Progressive may not offer as many discounts as some competitors.
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#2 – State Farm: Best for Cheap Rates
Pros
- Discount Opportunities: State Farm presents various discount options.
- Financial Stability: State Farm is supported by a financially secure company.
- Exceptional Customer Service: State Farm is renowned for its responsive and user-friendly service.
Cons
- Coverage Constraints: Driving needs may not be eligible for policy add-ons. Find out more in our State Farm auto insurance review.
- Claims Process: People may encounter delays or complications when processing claims.
#3 – Nationwide: Best for Bundling Discounts
Pros
- Wide Range of Coverage Options: Nationwide offers a comprehensive selection of coverage options, allowing customers to tailor policies to their needs.
- Vanishing Deductible Feature: The Vanishing Deductible program rewards safe driving by reducing deductibles over time.
- Member Discounts: Nationwide provides discounts for various affiliations and memberships, enhancing affordability for certain groups.
Cons
- Average Customer Satisfaction: Customer satisfaction ratings vary, as mentioned in our Nationwide insurance review with some customers reporting average experiences.
- Varied Premiums: Premiums may vary based on location and individual profiles, potentially impacting overall affordability.
#4 – Travelers: Best for Coverage Options
Pros
- Competitive Rates: Our Travelers auto insurance review reveals competitive rates that are budget-friendly.
- Comprehensive Coverage Options: Travelers provides customizable policies.
- Discounts: Travelers offers various discounts, including those tailored for cars.
Cons
- Limited Local Agents: Travelers operates primarily online and over the phone.
- Coverage Limitations: Some policy add-ons may not fully meet cars’ needs.
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#5 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- Tailored Policies: Liberty Mutual offers customized coverage options for car insurances.
- Competitive Prices: Liberty Mutual provides affordable rates.
- Exceptional Customer Service: Liberty Mutual is widely recognized for its prompt and easy-to-use service.
Cons
- Restricted Membership: Liberty Mutual membership is limited to military members, veterans, and their families.
- Limited Availability: Liberty Mutual’s availability may vary by location. Check other details through our Liberty Mutual auto insurance review.
#6 – American Family: Best for Loyalty Rewards
Pros
- Innovative Coverage Options: American Family offers unique coverage options, such as Accident Forgiveness and Deductible Rewards, providing added value.
- User-friendly Technology: With intuitive mobile apps and online tools, American Family makes it easy for customers to manage policies and claims.
- Strong Financial Stability: American Family’s robust financial standing ensures policyholders have a reliable and stable insurance provider.
Cons
- Potentially Higher Premiums: Some customers may find American Family’s premiums slightly higher compared to other insurers.
- Mixed Customer Service Reviews: While many customers have positive experiences, some reports in our American Family insurance review, challenges with claims processing.
#7 – Farmers: Best for Customizable Policies
Pros
- Personalized Coverage: Farmers, as mentioned in our Farmers auto insurance review, tailors to peoples’ needs.
- Cost-effective Premiums: Farmers offers affordable car insurance.
- Discount Availability: Farmers provides various offers, including those for car insurances.
Cons
- Limited Availability: Farmers mainly functions via local agents, potentially inaccessible in some regions.
- Policy Limitations: Specific additional coverage options may not completely meet requirements.
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#8 – Allstate: Best for Add-on Coverages
Pros
- Discount Prospects: Allstate provides tailored discount options for people.
- Financial Stability: Allstate is supported by a financially stable corporation.
- Excellent Customer Service: Allstate is renowned for its prompt and easily accessible service.
Cons
- Coverage Limitations: Certain additional policy features might not completely meet the needs of people. Use our Allstate auto insurance review as your guide.
- Claims Handling: People may encounter delays or challenges during the claims procedure.
#9 – Erie: Best for Personalized Policies
Pros
- Competitive Rates: Our Erie auto insurance review reveals competitive rates that are budget-friendly.
- Comprehensive Coverage Options: Erie provides customizable policies.
- Discounts: Erie offers various discounts, including those tailored for cars.
Cons
- Limited Local Agents: Erie operates primarily online and over the phone.
- Coverage Limitations: Some policy add-ons may not fully meet classic cars’ needs.
#10 – The Hartford: Best for Exclusive Benefits
Pros
- Innovative Coverage Options: The Hartford offers unique coverage options, such as Accident Forgiveness and Deductible Rewards, providing added value.
- User-friendly Technology: With intuitive mobile apps and online tools, The Hartford makes it easy for customers to manage policies and claims.
- Strong Financial Stability: The Hartford’s robust financial standing ensures policyholders have a reliable and stable insurance provider.
Cons
- Potentially Higher Premiums: Some customers may find The Hartford’s premiums slightly higher compared to other insurers.
- Mixed Customer Service Reviews: While many customers have positive experiences, some reports in our The Hartford insurance review, challenges with claims processing.
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Delivery Driver Auto Insurance Explained
Comparing Delivery Driver Auto Insurance Rates
Specific Auto Insurance Policies for Delivery Drivers
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Different Types of Delivery Driver Auto Insurance
- Business-Use Auto Insurance Coverage: Choose business-use auto insurance for both occasional delivery and non-delivery driving; insufficient coverage may lead to out-of-pocket expenses for delivery accidents due to higher associated risks.
- Business Usage Endorsement Addition: Personal policies may offer a business usage endorsement for part-time delivery drivers to save on insurance. Companies like State Farm and Erie provide add-ons for coverage during work intervals.
- Commercial Auto Insurance: Commercial auto insurance is pricier but covers full-time delivery vehicles comprehensively, with providers handling claims promptly and offering assistance with damages and rentals if possible under your policy.
- Auto Insurance for Individuals: Ensure adequate coverage before using your personal vehicle for food delivery to avoid paying for damages out of pocket if an accident occurs, as personal insurance typically doesn’t cover business use.
- Occupational Insurance: Ridesharing companies may provide coverage in accidents if you have personal auto insurance, but it might only cover liability. You’ll be responsible for any costs exceeding their coverage.
- Delivery Driver Endorsements on Personal Auto Insurance: An endorsement broadens coverage in existing policies, like TNC endorsements for rideshare apps, letting drivers operate under personal policies; otherwise, commercial or delivery insurance is needed.
Buying Delivery Driver Auto Insurance
The Bottom Line on Delivery Driver Auto Insurance
Frequently Asked Questions
What steps should I take if I want to get delivery driver auto insurance?
To get delivery driver auto insurance, follow these steps:
- Research insurance providers that offer coverage for delivery drivers.
- Gather necessary information such as your driving history, vehicle details, and delivery driver activities.
- Contact insurance companies and request quotes for delivery driver auto insurance.
- Compare coverage options, costs, and policy terms.
- Select the most suitable insurance policy for your needs.
- Complete the application process, provide any required documentation, and make the necessary payments.
- Review your policy thoroughly and keep a copy for your records.
- Regularly evaluate your coverage to ensure it meets your evolving needs.
What impact does driving for DoorDash have on auto insurance rates?
Although DoorDash offers insurance protection when you’re making deliveries, it does not cover all of your working hours or private driving. You still require personal auto insurance. However, driving for DoorDash has an impact on car insurance because of higher prices and the supplementary requirement for rideshare insurance. Enter your ZIP code now.
What type of insurance am I required to have for UberEats?
What should you do if you have a food delivery accident?
In the event of a collision, your company’s insurance policy might also protect you, but it probably only covers liability claims. To cover damage repair costs, you must have collision insurance.
What happens if I don’t disclose my delivery driver activities to my insurance company?
Failure to disclose your delivery driver activities to your insurance company can lead to complications or denial of coverage in the event of an accident or claim. It’s important to be transparent with your insurer to ensure you have the appropriate coverage for your needs. Enter your ZIP code now to compare.
Can I make food deliveries without delivery driver insurance?
What perils do I face as a delivery driver using my own auto insurance?
You incur the chance of having an accident while working for which you are not compensated. This indicates that you may be accountable for:
- Damages to your car
- Expensive healthcare costs
- The cost of the other driver’s care
- Damage to the property or vehicle of the opposing party
- Litigation brought about by the incident
Your insurance policy might be terminated if you try to lie to the insurance provider.
Does food delivery driver auto insurance come with workers comp?
No, in the majority of instances, insurance for food delivery drivers simply provides commercial and liability coverage. Food delivery drivers who want to be covered against accidents at work might choose to get standalone workers’ compensation insurance. Enter your ZIP code for more information.
Whose insurance will cover an incident involving a delivery driver?
What about auto insurance for pizza delivery drivers?
Your employer can demand that you get some kind of food delivery insurance. If the work is part-time and the policy is coded to include business use, some policies will pay for delivery trips.
For example, Progressive offers commercial vehicle insurance called pizza delivery insurance to safeguard you and your car while working as a pizza or food delivery driver.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
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.