Amazon Flex Delivery Auto Insurance (Rates & Requirements)

How does Amazon’s commercial car insurance work? Amazon Flex delivery auto insurance covers drivers while on the job, but you’ll need a personal auto insurance policy for when you’re off the clock.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Daniel Walker

UPDATED: Jun 21, 2022

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Things to Remember

  • Amazon provides Amazon Flex drivers with a commercial auto insurance policy at no cost
  • Amazon Flex drivers still need to carry the proper insurance to drive legally in their state
  • A full-coverage policy will protect you when you’re not actively delivering

You’ve likely familiar with Amazon and its Prime delivery vehicles, but the company also offers a way for people in specific cities to deliver packages. Amazon Flex is a delivery program utilizing independent contractors to make prompt deliveries.

You’ll need the right types of auto insurance coverage if you work for Amazon Flex. However, Amazon offers its delivery drivers commercial auto insurance coverage when they’re actively making deliveries.

Is there Amazon Flex delivery auto insurance? 

Amazon provides its Amazon Flex drivers commercial coverage when delivering packages, but this auto insurance doesn’t take the place of the necessary liability coverage every driver needs.

If you want to drive for Amazon, you should compare auto liability insurance rates. All drivers in the U.S. must purchase liability coverage. However, Amazon provides its drivers additional protection through its commercial auto insurance policy.

Amazon’s commercial car insurance coverage includes:

  • Additional liability coverage
  • Uninsured and underinsured motorist coverage
  • Comprehensive and collision coverage, contingent upon each situation

Amazon specifies on its website that commercial coverage only covers Amazon drivers, so passengers won’t receive any coverage from the policy. In addition, Amazon Flex delivery drivers must be actively making a delivery to receive coverage from the company’s commercial policy.

If you work for Amazon Flex but allow someone else to make your delivery, that individual isn’t covered by Amazon’s commercial insurance if an accident occurs.

The company also notes that Amazon’s commercial coverage cannot cover Amazon Flex drivers in New York. Instead, these individuals may need to purchase additional commercial coverage to meet delivery requirements in the state of New York.

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How much is Amazon Flex car insurance?

Amazon Flex drivers don’t have to pay for coverage from the company. Instead, they automatically receive coverage from Amazon’s commercial auto insurance policy when driving to pick up or deliver a package.

However, rates for standard auto insurance coverage vary based on several factors, such as:

  • Age
  • Gender
  • Driving history
  • Credit history
  • Car make and model
  • ZIP code
  • Coverage types

If you only carry liability coverage and have a clean driving record, you can expect to pay little for your auto insurance.

The table below shows the average annual auto insurance rates in the U.S. with different companies based on coverage type.

Average Annual Car Insurance Rates by Coverage Type
Auto Insurance CompanyAverage Annual Rate (High Coverage)Average Annual Rate (Medium Coverage)Average Annual Rate (Low Coverage)
Allstate$5,139.02$4,896.81$4,628.03
GEICO$3,429.14$3,213.97$3,001.91
Nationwide$3,505.37$3,449.80$3,394.83
Progressive$4,350.96$4,018.46$3,737.13
State Farm$3,454.80$3,269.80$3,055.40
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Depending on where you live, you may pay more or less per year for coverage, but this should give you a good idea of what you can expect to pay for full coverage vs. what you may pay for liability insurance.

What kind of coverage do I need to drive for Amazon Flex?

You’ll need a liability insurance policy to drive in your state, but each state has specific liability coverage requirements.

The table below shows liability coverage requirements in each state. The numbers represent car insurance requirements per thousand dollars of bodily injury liability per person, bodily injury liability per accident, and property damage liability.

Minimum Auto Insurance Liability Requirements by State
StatesCoverage TypesCoverage Limits
AlabamaBodily injury and property damage liability25/50/25
AlaskaBodily injury and property damage liability50/100/25
ArizonaBodily injury and property damage liability15/30/10
ArkansasBodily injury and property damage liability; personal injury protection25/50/25
CaliforniaBodily injury and property damage liability15/30/5
ColoradoBodily injury and property damage liability25/50/15
ConnecticutBodily injury and property damage liability; uninsured/underinsured motorist protection25/50/20
DelawareBodily injury and property damage liability; personal injury protection25/50/10
Washington, D.C.Bodily injury and property damage liability; uninsured/underinsured motorist protection25/50/10
FloridaProperty damage liability and personal injury protection10/20/10
GeorgiaBodily injury and property damage liability25/50/25
HawaiiBodily injury and property damage liability; personal injury protection20/40/10
IdahoBodily injury and property damage liability25/50/15
IllinoisBodily injury and property damage liability; uninsured/underinsured motorist protection25/50/20
IndianaBodily injury and property damage liability25/50/25
IowaBodily injury and property damage liability20/40/15
KansasBodily injury and property damage liability; personal injury protection25/50/25
KentuckyBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist protection25/50/25
LouisianaBodily injury and property damage liability15/30/25
MaineBodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments50/100/25
MarylandBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage30/60/15
MassachusettsBodily injury and property damage liability; personal injury protection20/40/5
MichiganBodily injury and property damage liability; personal injury protection20/40/10
MinnesotaBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage30/60/10
MississippiBodily injury and property damage liability25/50/25
MissouriBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
MontanaBodily injury and property damage liability25/50/20
NebraskaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
NevadaBodily injury and property damage liability25/50/20
New HampshireFinancial responsibility only25/50/25
New JerseyBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage15/30/5
New MexicoBodily injury and property damage liability25/50/10
New YorkBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage25/50/10
North CarolinaBodily injury and property damage liability; uninsured/underinsured motorist coverage30/60/25
North DakotaBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage25/50/25
OhioBodily injury and property damage liability25/50/25
OklahomaBodily injury and property damage liability25/50/25
OregonBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage25/50/20
PennsylvaniaBodily injury and property damage liability; personal injury protection15/30/5
Rhode IslandBodily injury and property damage liability25/50/25
South CarolinaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
South DakotaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
TennesseeBodily injury and property damage liability25/50/15
TexasBodily injury and property damage liability; personal injury protection30/60/25
UtahBodily injury and property damage liability; personal injury protection25/65/15
VermontBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/10
VirginiaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/20
WashingtonBodily injury and property damage liability25/50/10
West VirginiaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
WisconsinBodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments25/50/10
WyomingBodily injury and property damage liability25/50/20
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As you can see, each state’s requirements can be significantly different from another. Additionally, some states require more coverage, like personal injury protection, medical payments, and uninsured/underinsured motorist insurance.

Though most insurance companies help drivers ensure they meet their state’s requirements for coverage, it’s ultimately your responsibility as a driver to carry the proper coverage.

Do Amazon Flex drivers need additional coverage?

Since Amazon Flex drivers have commercial coverage from Amazon when delivering goods, they’re not required to purchase commercial or business coverage. The only exception would be for drivers living in New York that aren’t covered by Amazon’s commercial insurance.

However, Amazon Flex drivers should consider carrying more than a liability-only policy to ensure they have the proper protection in the event of an accident. Liability insurance only covers other people and their vehicles if you’re in an accident, but you and your car don’t receive any help from a liability policy.

Collision coverage helps in an accident, and coverage extends to you and your vehicle even if you’re at fault. In addition, comprehensive coverage is helpful when your car gets damaged by theft, vandalism, inclement weather, or other incidents unrelated to an accident.

Combining collision and comprehensive coverage into a full coverage policy offers protection that can help you in most scenarios. Anyone who drives frequently should consider purchasing these coverages and a liability policy.

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Amazon Flex Delivery Auto Insurance: The Bottom Line

Amazon Flex drivers need car insurance but aren’t required to purchase commercial coverage. Instead, Amazon’s commercial auto insurance policy covers drivers when they’re actively making deliveries. 

If you drive for Amazon Flex, you should consider purchasing more than your state’s liability requirements. Additional coverage will ensure you and your vehicle are adequately protected if you’re ever in an accident or if your vehicle gets damaged in a non-accident-related incident.

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