Shipt Auto Insurance (Rates & Requirements)
You must have the legal minimum requirements for auto insurance in your state to drive for Shipt. However, it's a good idea to invest in more coverage when you rely on your car for your livelihood. Learn how much coverage you need.
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Written by
Rachel Bodine
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Reviewed by
Daniel Walker
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UPDATED: Jun 17, 2022
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- Shipt drivers must carry their state’s minimum liability coverage to deliver for the company
- Shipt doesn’t offer its own commercial auto insurance coverage
- You may want to have more than your state’s minimum liability limits as a delivery driver to ensure you’re protected
If you work for Shipt, you have a lot of flexibility with your job. Shipt mentions on its company website that one of the best things about working for the company is being your own boss and setting your own schedule.
However, regarding auto insurance as a Shipt driver, there isn’t a lot of flexibility in terms of required coverage. Though you only need your state’s minimum liability amounts for car insurance coverage, you can’t get a job with Shipt if you don’t have proper coverage.
Table of Contents
What are Shipt’s car insurance requirements?
To become a Shipt Shopper, you must meet the following requirements:
- Be at least 18 years old
- Have a valid U.S. driver’s license
- Carry auto insurance
- Have a vehicle from 1997 or newer
- Be able to lift 40 pounds
- Understand the produce selection
- Have a smartphone
Since Shipt doesn’t specify the auto insurance type required, it requires every driver to carry at least their state’s minimum liability insurance coverage. If you prefer to maintain a more robust coverage, that’s also fine with the company.
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How much liability insurance do I need?
Each state in the U.S. has different requirements for liability coverage. You’ll need certain property damage and bodily injury coverage depending on where you live.
The table below shows each state’s requirements for bodily injury coverage per person, per accident, and property damage liability coverage.
State Minimum Liability Requirements
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
Deleware 25/50/10
District of Columbia 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
Lousiana 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
West Virginia 25/50/25
Wisconsin 25/50/10
Wyoming 25/50/20
For example, if you live in Delaware, you must carry $25,000 in coverage for bodily injury liability per person, $50,000 for bodily injury coverage per accident, and $10,000 for property damage liability coverage.
However, state minimums in New Jersey are different, so you’ll have to pay attention to what’s required in your state to ensure you have the proper coverage.
How much is auto insurance for Shipt?
If you only plan to carry your state’s minimum liability coverage when you drive for Shipt, your rates will likely be lower than if you added coverage to your policy.
The table below shows the average annual rate you’ll pay for liability auto insurance coverage in your state.
States Average Annual Liability Rates
North Dakota $296
South Dakota $306
Iowa $310
Wyoming $341
Maine $353
Vermont $357
North Carolina $359
Kansas $365
Idaho $368
Nebraska $377
Wisconsin $381
Indiana $393
Montana $400
New Hampshire $406
Ohio $406
Arkansas $412
Alabama $417
Tennessee $427
Missouri $436
Virginia $437
Illinois $460
Minnesota $461
Hawaii $462
Oklahoma $470
Mississippi $471
California $504
West Virginia $508
Pennsylvania $509
New Mexico $510
Utah $510
Kentucky $541
Colorado $542
Arizona $543
Texas $550
South Carolina $554
Countrywide $555
Alaska $567
Georgia $597
Oregon $609
Washington $610
Massachusetts $612
Maryland $633
District of Columbia $663
Connecticut $685
Nevada $716
Rhode Island $790
Delaware $808
Louisiana $814
Michigan $816
New York $823
Florida $885
New Jersey $896
You’ll pay more for coverage if you add other coverages to your policy like comprehensive, collision, or commercial auto coverage.
Should I carry more coverage as a Shipt driver?
Even though you’re not required to carry much auto insurance coverage, you may want to consider additional coverage to protect you if you’re involved in an accident.
For example, a full-coverage auto insurance policy — with collision and comprehensive coverages — would protect you and help pay for vehicle repairs if you ever get in an accident or your car gets damaged while parked and making a delivery.
Collision auto insurance covers a vehicle when you’re involved in a car accident. Whereas liability insurance only covers damage to other people and their vehicles, collision coverage pays for car repairs after an accident.
Comprehensive coverage helps cover your vehicle if it gets damaged in a non-accident-related incident. Some of the most common reasons a person would use their comprehensive coverage include:
- Theft
- Vandalism
- Broken windshield
- Fire damage
- Hail damage
- Flood damage
- Animal-related damage
A full-coverage policy is a good idea for any driver, but this is especially true if you drive a lot for work, as many delivery drivers do.
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What is commercial car insurance?
If you drive for Shipt, you may be interested in purchasing a commercial insurance policy on your vehicle.
Since you drive your vehicle for work, it’s considered a business use of your car. Depending on your auto insurance provider, this may disqualify you from coverage if you’re in an accident while making a Shipt delivery.
Car insurance companies often see the business use as more of a risk than someone using their vehicle for personal use. Consequently, your insurer may require you purchase a commercial policy.
Commercial car insurance offers much higher coverage limits and ensures your insurance company doesn’t hold you responsible for damages or injuries if you’re in an accident.
If you don’t drive for Shipt often and aren’t sure whether you need commercial coverage, call your insurance company and speak with a representative who can help you ensure you’ll be covered if you’re in an accident.
Shipt Auto Insurance: The Bottom Line
If you drive for Shipt or want to work for the company, you must carry proper auto insurance on your vehicle. While there isn’t an option to purchase or utilize Shipt car insurance, you can buy the coverage you need through various car insurance providers in your area.
You only have to carry liability coverage to work for Shipt. Still, you may want to consider purchasing additional coverage to ensure you and your vehicle are covered if you’re ever in an accident. The best options include comprehensive coverage, collision coverage, and commercial auto insurance coverage.