Shipt Auto Insurance (Rates & Requirements)

Knowing what kind of auto insurance coverage you need as a Shipt delivery driver is not always easy. You want to be protected if you’re ever in an accident, but you don’t want to pay too much for car insurance. 

While driving for Shipt may offer the flexibility and freedom you want in a job, it will likely cause you to pay more monthly or annual rates for auto insurance coverage. This is because Shipt does not provide its drivers with auto insurance while they’re on the clock, but the company does require drivers to meet their state’s minimum liability auto insurance limits.

Does Shipt provide drivers with Shipt auto insurance?

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To be a Shipt driver, you must find your own car insurance. Some delivery companies provide their drivers with proper auto insurance coverage when they’re working, but there is no option for Shipt car insurance coverage.

Instead, Shipt requires its drivers to maintain the proper levels of coverage based on each state’s laws. In addition, Shipt has a few more requirements for its delivery drivers. They must:

• Be at least 18 years old.
• Have a U.S. driver’s license.
• Have a vehicle that is 1997 or newer.
• Be able to lift up to 40 pounds.
• Be knowledgeable about the produce selection available in a supermarket.
• Have a smartphone.

Shipt does not specify the type of coverage a driver must have, so driving for the company necessitates having auto insurance coverage that meets your state’s minimum requirements. However, you should consider additional coverage to ensure you’re adequately protected if you’re ever in an accident.

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How much liability insurance do I need for Shipt?

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There is no federal law concerning liability coverage for drivers. Instead, the minimum car insurance required in each state varies. Depending on where you live, you may need specific property damage insurance and bodily injury coverage on your vehicle. The table below shows each state’s requirements for car insurance. 

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So, if you live in Delaware, you will need to carry $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $10,000 in property damage. 

But if you compare Delaware’s requirements to the state minimums in New Jersey, you’ll notice a difference in coverage limits. So you must pay attention to your state’s requirements to ensure you have the coverage you need.

How much is Shipt car insurance?

The amount you will pay for auto insurance as a Shipt driver depends on several factors, including:

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

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If you only plan to carry your state’s minimum liability coverage when you drive for Shipt, your rates will probably be pretty low. Check the table below to see your state’s average cost for liability coverage.

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As you probably already know, you will pay more for car insurance if you add coverages to your liability policy. However, adding coverage is the only way you’ll be fully covered if you’re in a wreck.

Should I carry more than liability as a Shipt driver?

Shipt does not require that you carry more than your state’s minimum liability requirements, but you should consider adding coverages to your policy for added protection.

There are many different types of auto insurance coverage. The most common way drivers add coverage is to purchase a full coverage policy, essentially adding collision and comprehensive insurance to a liability policy. For example, full coverage auto insurance will protect you and your vehicle if you’re in an accident or if your car is damaged while parked.

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Collision car insurance comes into play when you’re in a wreck. Collision pays for the necessary repairs following an accident, while liability coverage only covers damage to other people and their vehicles.

Unlike collision coverage, comprehensive insurance will cover your vehicle if it’s damaged in a non-accident-related event. Some of the most common incidents covered under a comprehensive policy include:

• Damage caused by animals
• Flood damage
• Hail damage
• Fire damage
• A broken or damaged windshield
• Vandalism
• Theft

A full coverage policy will help any driver stay protected on the road, but your insurance policy may have stipulations concerning coverage when driving for work purposes. If you find a personal insurance policy will not offer you proper coverage as a Shipt driver, you may want to pursue commercial auto insurance.

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Do Shipt drivers need commercial car insurance?

Commercial auto insurance will cover you when driving a car for work purposes. If you drive your vehicle and primarily work part-time rather than full-time, you may be able to purchase a business use add-on and save money on commercial coverage.

Since there is no option for Shipt commercial car insurance, you’ll need to speak with your car insurance company to see what coverage you need as a delivery driver. 

Auto insurance providers often see the business use of a vehicle as more of a risk than someone using their vehicle for personal use. Because of this, your insurance company may require you to purchase a commercial policy.

Commercial auto insurance can cost a lot more than a personal insurance policy, so you should ensure you need the coverage before purchasing it. Speak with your insurance provider if you have any questions.

Shipt Auto Insurance: The Bottom Line

As a Shipt driver, you must carry your state’s minimum liability requirements for coverage. Shipt does not offer car insurance, so you’ll need to purchase a policy on your own. 

Though Shipt only requires liability, you may want to purchase additional coverage to make sure you’re protected. For example, you can get a full coverage policy on your car, but this coverage may not extend to the business use of your vehicle.

Another option you may want to consider is commercial coverage. Speak to your insurance provider to see if you can include a business use add-on to your existing policy. In addition, you can shop online and compare quotes from multiple companies to ensure you get the best policy at the lowest price.

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