Doordash Auto Insurance (Rates & Requirements)

The car insurance offered by DoorDash to its drivers only covers you when you're actively making a delivery, and it likely won't provide all the coverage you need. Learn how to find the best and cheapest DoorDash car insurance.

Free Auto Insurance Comparison

secured lock Secured with SHA-256 Encryption

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...

Full Bio →

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 14, 2022

Advertiser Disclosure

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.

Things to Remember

  • DoorDash offers auto insurance to drivers that meet specific requirements
  • If you work for DoorDash or any other delivery service, you must have proper auto insurance coverage
  • Some auto insurance companies offer special coverage for delivery drivers

If you work for DoorDash, you may be eligible for liability coverage through the company. DoorDash offers auto insurance coverage to employees that meet specific requirements, but the options for auto insurance only cover liability.

Whether you get auto insurance through DoorDash or an insurance company, you must carry your state’s minimum liability car insurance coverage to drive legally. However, many delivery drivers choose to purchase additional auto insurance coverage to ensure they’re protected.

Does DoorDash offer 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.

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.

In many cases, DoorDash insurance won’t have to cover an accident if your insurance company covers it.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

When will DoorDash auto insurance help me?

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. 

Do delivery drivers need special insurance coverage?

Every 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
Get Your Rates Quote Now

Compare RatesStart Now →

If you drive for DoorDash, you must carry your state’s mandatory liability coverage, but DoorDash won’t require commercial coverage. Still, some delivery drivers choose to purchase special coverage to ensure they’re better protected.

Why would delivery drivers need commercial coverage?

Some delivery drivers purchase commercial coverage to ensure they have higher amounts of liability protection.

Most commercial 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 commercial 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 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 options available for you.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

How much is commercial coverage as a delivery driver?

The amount you will pay for commercial coverage depends on several factors: the car you drive, where you live, how often you drive for work, and more. 

The table below shows average rates for commercial auto insurance depending on the vehicle you drive.

Annual Commercial Auto Insurance Costs by Vehicle Type
Car TypeMinimum Annual Commercial Auto Insurance RatesMaximum Annual Commercial Auto Insurance Rates
Car$600$2,400
Semi$8,000$12,500
Cargo/Delivery Van$3,300$6,200
Limo$4,000$6,000
Cab$5,000$10,000
Get Your Rates Quote Now

Compare RatesStart Now →

Depending on your vehicle and the nature of your job, you could spend around $10,000 or more on commercial coverage annually.

Suppose you want to purchase commercial coverage but only drive for a delivery service like DoorDash part-time. In that case, you may be able to find an insurance company willing to cover you for a low rate.

What are the best insurance companies for delivery drivers?

You’ll want to shop around to find the best auto insurance options as a delivery driver. Some companies are known for offering helpful coverage to DoorDash employees and other delivery drivers at competitive rates. These companies include: 

Personal auto rates for delivery drivers vary based on their state and the coverage amount they choose. However, you can find competitive rates when comparing quotes from multiple companies in your area.

DoorDash Auto Insurance: The Bottom Line

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 carry a minimum of liability auto insurance.

Since DoorDash coverage is limited, many delivery drivers purchase a business use or commercial auto insurance policy to ensure they’re covered.

Rates for auto insurance coverage vary for many different reasons. The best way to get the cheapest rates is to shop around and compare quotes for coverage.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption