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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Written by
Rachel Bodine
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Reviewed by
Daniel Walker
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UPDATED: Jun 21, 2022
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- 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.
Table of Contents
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.
Auto Insurance Company Average 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
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.
States Coverage Types Coverage 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
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.