Caviar Courier Auto Insurance

A Caviar food delivery driver needs to carry at least the minimum liability coverage required by the state, but they may also be eligible for commercial coverage through Caviar Courier.

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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 15, 2022

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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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Things to remember...

  • Caviar Courier is a food delivery service available in countless states across the country
  • Caviar is a part of DoorDash, and Caviar drivers may be eligible for DoorDash commercial coverage
  • If you work for Caviar Courier, you must have proper auto insurance coverage

How do you get food delivery car insurance? If you work for Caviar Courier, you may be eligible for commercial coverage through DoorDash. DoorDash owns Caviar Courier, and DoorDash offers auto insurance coverage to employees that meet specific requirements. 

Whether you get car insurance with Caviar Courier through DoorDash or an insurance company, you must carry your state’s minimum liability car insurance coverage to drive legally. However, many Caviar drivers choose to purchase additional auto insurance coverage to ensure they are protected if they’re ever in an accident.

Does Caviar Courier offer car insurance?

Caviar Courier drivers can get auto insurance coverage through DoorDash’s commercial car insurance.

Keep in mind that the insurance only provides coverage to drivers when they are actively delivering food or other items. So if you’re driving for Caviar to a restaurant or from the restaurant to the customer, Caviar Courier car insurance could help cover your vehicle.

Caviar delivery reviews are extremely positive online, so it’s no surprise that people want to drive for the company. However, to become a Caviar driver, you must carry proper insurance on your vehicle. The company ensures you have access to a car and that your vehicle meets your state’s minimum liability car insurance requirements before offering you a job. 

Once you get a job with Caviar Courier, you will have access to the company’s commercial coverage. Still, should an accident occur, the company requires that you first file a claim with your insurance provider when necessary. 

In many cases, Caviar Courier commercial coverage will not have to cover a car accident, especially if your auto insurance provider is willing to cover the damage.

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Does a Caviar food delivery driver need special insurance coverage?

Every Caviar food delivery driver must carry liability coverage that meets their state’s minimum requirements. The table below shows the minimum auto insurance coverage required in each state.

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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While all states require bodily injury liability and property damage coverage, some require additional coverage, like personal injury protection (PIP), medical payments (MedPay), and uninsured or underinsured motorist coverage.

Because Caviar Courier commercial coverage through DoorDash only helps increase a driver’s liability coverage, you may still want to consider adding coverage to your policy to cover car accidents (collision insurance) or things like vandalism (comprehensive coverage).

Why should a Caviar driver consider commercial coverage?

Some Caviar Courier drivers purchase commercial coverage to ensure they have more liability protection.

Most commercial policies offer more coverage for property damage and personal injuries. In addition, many commercial car insurance policies cover legal fees if a delivery driver is at fault in an accident.

Some drivers who use their vehicles for deliveries purchase a business use policy, which offers coverage similar to a commercial policy but is often less expensive. If you only work for Caviar Courier part-time, you may be interested in adding this type of coverage to your personal policy. 

If you drive your car for Caviar Courier and don’t tell your insurance company, your claim could get denied. So let your insurance company know if you use your vehicle as a delivery driver and ask about available options.

What are the best insurance companies for Caviar Courier drivers?

You’ll need to shop online and compare quotes from multiple insurance providers to find the best auto insurance coverage as a Caviar Courier driver. Some companies are known for offering helpful coverage to Caviar Courier employees at competitive rates. These companies include: 

Personal auto rates for delivery drivers vary based on their state and the coverage amount they choose. But you should be able to find competitive rates when comparing quotes from multiple companies in your area.

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Caviar Courier Car Insurance: The Bottom Line

Caviar Courier provides commercial coverage to its delivery drivers when they are actively on delivery. Still, any delivery driver must carry their own insurance policy to drive legally in their state.

You may not want to carry additional commercial coverage. Still, you should talk to your insurance provider and tell the company that you are a delivery driver and make deliveries in your vehicle. 

To find the best car insurance for a delivery driver, you should shop online and compare quotes from multiple companies. 

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