Best Auto Insurance for DoorDash Drivers in 2024 (Top 10 Companies)
The best auto insurance for DoorDash drivers are State Farm, Geico, and Progressive, with rates starting at $80 per month. These companies provide tailored coverage for delivery drivers, ensuring protection during active deliveries. Discover why these top insurers excel in affordability and comprehensive policies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 13, 2024
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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: Sep 13, 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.
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17,759 reviewsCompany Facts
Full Coverage for DoorDash Drivers
A.M. Best Rating
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19,116 reviewsCompany Facts
Full Coverage for DoorDash Drivers
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19,116 reviews
13,128 reviewsCompany Facts
Full Coverage for DoorDash Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsThe best auto insurance for DoorDash drivers includes State Farm, Geico, and Progressive, offering up to 17% discounts. These companies provide comprehensive coverage for delivery drivers, with State Farm leading in affordability and benefits. Discover why these top insurers are ideal for reliable, cost-effective coverage.
As a DoorDash driver, you may get free liability auto insurance coverage, but it has specific requirements and only covers liability. You must meet state minimum insurance requirements, and many drivers choose additional coverage for better protection.
Our Top 10 Company Picks: Cheap Best Auto Insurance for DoorDash Drivers
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Nationwide Availability State Farm
#2 14% A++ Competitive Rates Geico
#3 15% A+ Flexible Policy Progressive
#4 10% A+ Local Agents Allstate
#5 12% A++ Customer Service USAA
#6 13% A Customizable Policies Farmers
#7 10% A Rideshare Endorsement Liberty Mutual
#8 11% A+ Rideshare Coverage Nationwide
#9 9% A Affordable Rates Mercury
#10 8% A++ Extensive Coverage Travelers
In this article, learn if you can get a DoorDash insurance discount, the best insurance for DoorDash drivers, and compare cheap rates. Get started on comparing full coverage auto insurance rates by entering your ZIP code above.
- State Farm, Geico, and Progressive offer up to 17% discounts
- DoorDash drivers often opt for extra coverage
- State Farm is the top pick for affordable insurance
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#1 – State Farm: Top Overall Pick
Pros
- Excellent Customer Service: Known for exceptional customer service and claims handling.
- Local Agent Network: State Farm auto insurance review highlights the extensive network of local agents for personalized service.
- Discounts Available: Offers discounts for multiple policies and good driving.
Cons
- Higher Rates: Rates may be higher compared to some competitors.
- Limited Digital Tools: Mobile app and digital tools are less robust compared to others.
#2 – Geico: Best for Competitive Rates
Pros
- Competitive Rates and Discounts: Offers competitive rates and various discounts, including multi-policy and safe driver discounts.
- User-Friendly Tools: Geico’s auto insurance review highlights easy-to-use website and mobile app for policy management.
- Financial Stability: Strong financial stability and high customer satisfaction ratings.
Cons
- Limited Personalized Service: Primarily online and call center interactions.
- Claims Process Issues: Some customers report difficulties with the claims process.
#3 – Progressive: Best for Flexible Policy
Pros
- Flexible Policies: Progressive offers tailored policies for DoorDash drivers. Their Name Your Price tool lets drivers adjust coverage to fit budgets, ensuring affordability and protection.
- Snapshot Program: Innovative program for personalized discounts based on driving behavior.
- Wide Range of Coverage: Offers a wide range of coverage options and discounts. Learn more details in our page titled Progressive auto insurance review.
Cons
- Mixed Customer Service: Mixed reviews regarding customer service and claims processing.
- Higher Rates for Some Drivers: Rates can be higher for drivers with less-than-perfect records.
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#4 – Allstate: Best for Local Agents
Pros
- Coverage Options: Numerous coverage options and add-ons available. Check out our Allstate auto insurance review to know more details.
- Drivewise Program: Offers potential discounts based on driving behavior.
- Customer Service: Excellent customer service reputation and good financial strength.
Cons
- Higher Premiums: Premiums may be higher compared to some competitors.
- Rate Increases: Some customers report rate increases after claims.
#5 – USAA: Best for Customer Service
Pros
- Top-Rated Service: Top-rated customer service and claims handling.
- Competitive Rates: Competitive rates and numerous discounts available.
- Military Specialization: As mentioned in our USAA auto insurance review, the company has specialized coverage options for military members and families.
Cons
- Eligibility Limited: only available to military members, veterans, and their families.
- Limited Physical Locations: Limited physical branch locations for in-person service.
#6 – Farmers: Best for Customizable Policies
Pros
- Personalized Service: Personalized service from local agents.
- Coverage Options: Variety of coverage options and discounts.
- Additional Perks: Offers perks like rideshare insurance.
Cons
- Higher Rates: Rates can be higher compared to some competitors. Check their rates in our Farmers auto insurance review.
- Claims Issues: Some customers report issues with claims processing.
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#7 – Liberty Mutual: Best for Rideshare Endorsement
Pros
- Comprehensive Coverage: As mentioned in our Liberty Mutual auto insurance review, the company offers comprehensive coverage options and add-ons.
- Discounts Available: Discounts for bundling policies.
- Customer Service: Strong customer service ratings and financial stability.
Cons
- Higher Premiums: Premiums may be higher compared to some competitors.
- Mixed Reviews: Mixed customer reviews regarding claims processing.
#8 – Nationwide: Best for Rideshare Coverage
Pros
- Coverage Variety: Variety of coverage options and discounts, including Vanishing Deductible program. For more information, read our Nationwide auto insurance review.
- Customer Service: Good customer service and strong financial strength.
- User-Friendly Tools: Easy-to-use website and mobile app.
Cons
- Higher Rates: Rates may be higher compared to some competitors.
- Limited Agent Availability: Limited availability of local agents in some areas.
#9 – Mercury: Best for Affordable Rates
Pros
- Competitive Rates and Discounts: Competitive rates and various discounts, including multi-policy and good driver discounts.
- User-Friendly Tools: Easy-to-use website and mobile app.
- Financial Stability: As mentioned in our Mercury auto insurance review, the company has a strong financial stability.
Cons
- Limited Coverage Options: Limited coverage options compared to other providers.
- Customer Service: Mixed customer reviews regarding customer service.
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#10 – Travelers: Best for Extensive Coverage
Pros
- Comprehensive Coverage Options: Offers comprehensive coverage options.
- Financial Stability: Strong financial stability.
- Discounts Available: As outlined in our Travelers auto insurance review, Travelers offers discounts for various policies.
Cons
- Higher Premiums: Higher premiums compared to some competitors.
- Customer Service: Mixed reviews regarding customer service and claims processing.
Understanding DoorDash Auto Insurance
DoorDash offers auto insurance coverage for its drivers they call “Dashers.”
Auto insurance through DoorDash only provides coverage to Dashers actively delivering items. So if you’re driving to a merchant after receiving an order or driving from the merchant to the customer, DoorDash auto insurance could help cover your vehicle.
Read more: How to Get Auto Insurance
The primary requirement for DoorDash car insurance is that coverage must always come from a Dasher’s personal insurance provider first. DoorDash commercial coverage will help cover an accident only after filing a claim with your own insurance company.
DoorDash Driver Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $95 $195
Farmers $88 $185
Geico $80 $175
Liberty Mutual $92 $192
Mercury $83 $178
Nationwide $87 $182
Progressive $90 $190
State Farm $85 $180
Travelers $89 $187
USAA $75 $165
In many cases, DoorDash insurance won’t have to cover an accident if your insurance company covers it.
DoorDash automatically includes auto insurance, and you don’t have to pay for coverage. However, there are certain instances where DoorDash coverage won’t help you when driving your vehicle.
For DoorDash insurance to cover a claim, you must be on an active delivery, and your insurance must have denied your insurance claim or not covered the total amount of your claim.
DoorDash may choose to cover an accident if your insurance doesn’t cover the total amount of the claim, but it will depend on the scenario. For example, if you lost your auto insurance coverage or voided your contract with your provider by doing something like drinking and driving, DoorDash auto insurance may not help you.
DoorDash Auto Insurance Requirements for Delivery Drivers
Every driver must carry liability coverage that meets their state’s minimum auto insurance requirements. The table below shows the minimum auto insurance coverage required in each state.
Liability Auto Insurance Coverage Requirements by State
State Requirement
Alabama 25/50/25
Alaska 50/100/25
Arizona 15/30/10
Arkansas 25/50/25
California 15/30/5
Colorado 25/50/15
Connecticut 25/50/20
Delaware 25/50/10
Florida 10/20/10
Georgia 25/50/25
Hawaii 20/40/10
Idaho 25/50/15
Illinois 25/50/20
Indiana 25/50/25
Iowa 20/40/15
Kansas 25/50/25
Kentucky 25/50/25
Louisiana 15/30/25
Maine 50/100/25
Maryland 30/60/15
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/25
Montana 25/50/20
Nebraska 25/50/25
Nevada 25/50/20
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 25/50/25
Oklahoma 25/50/25
Oregon 25/50/20
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/15
Texas 30/60/25
Utah 25/65/15
Vermont 25/50/10
Virginia 25/50/20
Washington 25/50/10
Washington, D.C. 25/50/10
West Virginia 25/50/25
Wisconsin 25/50/10
Wyoming 25/50/20
If you drive for DoorDash, you must carry your state’s mandatory liability coverage, but they won’t require commercial coverage. Still, some delivery drivers choose to purchase special coverage beyond DoorDash insurance requirements to ensure they’re better protected.
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Why you Need DoorDash Rideshare Auto Insurance
Some delivery drivers purchase additional rideshare auto insurance to ensure they have higher amounts of liability protection.
Rideshare insurance supports delivery drivers with extra liability protection, property damage coverage, and help with legal fees.Michelle Robbins LICENSED INSURANCE AGENT
Most rideshare policies also offer more coverage for property damage and personal injuries. Added protection like this is helpful if you are ever in a wreck that causes significant damage or injuries. In addition, many rideshare car insurance policies cover legal fees if a delivery driver incurs legal expenses.
Some drivers who use their personal vehicles for deliveries purchase a business use policy, which offers coverage similar to a commercial auto insurance policy. If you use your vehicle to make deliveries for work, a business use policy could be a good option for you.
If you drive your car for business use and don’t inform your insurance company, your claim could get denied. So tell your insurance company if you use your vehicle as a delivery driver, and ask about the rideshare insurance options available for you.
DoorDash Auto Insurance Cost
The amount you pay for DoorDash insurance coverage depends on several factors: the car you drive, where you live, how often you drive for work, and more.
Check out the table below to see how much you’ll pay for the best rideshare auto insurance policy from the top companies:
Rideshare Auto Insurance Rates by Provider
Insurance Company Monthly Rates
Allstate Under $2
Erie $9 to $15
Farmers $13 to $20
Geico $7 to $14
Liberty Mutual $12 to $19
Mercury $27
Nationwide $11 to $18
Progressive $8 to $15
Safeco $10
State Farm 20% of policy
USAA $6
Suppose you want to purchase rideshare coverage but only drive for a delivery service like DoorDash part-time. In that case, you may be able to find a DoorDash insurance company willing to cover you for a low rate.
The Best DoorDash Auto Insurance Companies
You’ll want to shop around to find the best car insurance for DoorDash drivers. Here are some reviews of companies known for offering helpful coverage to DoorDash employees and other delivery drivers at competitive rates:
- State Farm Auto Insurance Review
- Geico Auto Insurance Review
- Progressive Auto Insurance Review
- USAA Auto Insurance Review
- Erie Auto Insurance Review
- Allstate Auto Insurance Review
Personal auto rates for delivery drivers vary based on their state and the coverage amount they choose. However, you can find competitive DoorDash insurance rates when comparing quotes from multiple companies in your area.
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More About why DoorDash Auto Insurance is Essential
DoorDash offers secondary auto insurance coverage to its Dashers, but you’ll have to use your personal auto insurance policy first. All DoorDash drivers must also meet state minimum insurance requirements. Since DoorDash coverage is limited, many delivery drivers purchase a rideshare or commercial auto insurance policy to ensure they’re covered.
Driving for DoorDash or UberEats 🚘can be a great way to earn money, but an accident could become an insurance nightmare with the wrong car insurance. https://t.co/27f1xf131D has written a guide📑 for delivery drivers, and you can check it out here👉: https://t.co/tvMtEK88hn pic.twitter.com/iWpsHmj2ot
— AutoInsurance.org (@AutoInsurance) August 15, 2023
There are various factors that affect auto insurance rates for rideshare coverage. The best way to get the cheapest DoorDash insurance rates is to shop around and compare quotes for coverage.
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code below to find the most affordable quotes in your area.
Frequently Asked Questions
What should DoorDash drivers consider when choosing auto insurance?
DoorDash drivers should consider factors such as coverage options beyond liability, the cost of premiums, auto insurance discounts available for delivery drivers, and the reputation of the insurance company for customer service and claims handling.
Does DoorDash offer auto insurance?
DoorDash offers auto insurance coverage for its drivers, known as “Dashers.” However, this coverage is limited and only applies while actively making a delivery.
Is there a DoorDash car insurance discount?
No, there is no auto insurance discount for being a DoorDash driver.
When will DoorDash auto insurance help me?
DoorDash auto insurance will help you if you’re on an active delivery and your personal insurance provider has denied your claim or not covered the total amount. DoorDash may choose to cover an accident if your personal insurance doesn’t provide sufficient coverage, depending on the circumstances. Get fast and cheap auto insurance coverage today with our quote comparison tool below.
How much is DoorDash insurance?
You could pay as low as $6 monthly for DoorDash insurance. Read more about finding cheap delivery driver auto insurance rates to get the cheapest insurance for delivery drivers.
Do you need special insurance for DoorDash?
All drivers, including delivery drivers, must carry liability coverage that meets their state’s minimum requirements. While DoorDash doesn’t require commercial coverage, some delivery drivers opt to purchase additional coverage to ensure they have adequate protection.
Do you need commercial insurance for DoorDash?
Delivery drivers often asked themselves this “Do I need commercial insurance for DoorDash?”, some may choose to purchase commercial coverage for higher liability protection, increased coverage for property damage and personal injuries, and potential coverage for legal fees.
Does DoorDash have car insurance?
DoorDash offers liability coverage while drivers are actively making deliveries. However, many drivers opt for additional coverage beyond state minimums to ensure they are adequately protected in various situations.
How can DoorDash drivers find affordable auto insurance rates?
To find the cheapest auto insurance rates, DoorDash drivers should compare quotes from multiple insurance companies. Look for discounts specifically for delivery drivers, such as mileage-based discounts or safe driving discounts.
Which auto insurance companies offer the best coverage options for DoorDash drivers?
Some of the best auto insurance companies for DoorDash drivers include State Farm, Geico, Progressive, and others that offer specialized coverage options or discounts tailored for delivery drivers.
What types of coverage are recommended for DoorDash drivers?
DoorDash drivers should consider comprehensive coverage, collision coverage, and uninsured/underinsured motorist coverage in addition to liability insurance. Rideshare insurance or commercial auto insurance may also be beneficial.
If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.
What kind of insurance do you need for DoorDash?
For DoorDash, you’ll need auto insurance that covers delivery services. Additionally, DoorDash provides occupational accident insurance and excess auto liability insurance, but these are secondary to your personal auto policy. DoorDash insurance cost may vary based on your personal auto policy and the level of coverage you need.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.
