Best Auto Insurance for Walmart Delivery Drivers in 2024
Walmart offers Spark driver insurance, but independent drivers need a commercial policy starting at $50/mo. Check out civil auto coverage Walmart reviews for the best provider. Below, you can buy cheap Walmart delivery auto insurance, learn Spark driver insurance requirements, and see Walmart insurance reviews.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Published Insurance Expert
UPDATED: Sep 12, 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.
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 12, 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.
On This Page
- Walmart auto insurance requires a commercial policy for independent drivers
- Unfortunately, Uber drivers don’t qualify for Walmart auto insurance plans
- Walmart employees may have liability car insurance with Walmart
Rideshare drivers may wonder if their personal policy is adequate Walmart delivery auto insurance. Drivers working for a rideshare or delivery company need business or commercial coverage.
Does Walmart have car insurance? Fortunately, employees who deliver with Walmart Spark may have coverage with Walmart’s commercial policy.
Since personal policies won’t cover independent drivers, they’ll need to find food delivery car insurance from an insurer. Drivers should carry their state’s minimum auto insurance requirements to deliver groceries, but commercial insurance offers the coverage drivers need. Always read Walmart auto insurance reviews for the best policy.
Ready to shop for the best Walmart car insurance quote near you? Enter your ZIP code above to compare Walmart auto insurance quotes from the top providers.
Walmart Delivery Auto Insurance vs. Rideshare Auto Insurance
Insurance companies view delivery driving differently from carrying passengers. Most auto insurance companies won’t provide personal insurance coverage for delivering groceries or packages for compensation.
If you deliver groceries for Walmart through Uber, the company’s $1 million commercial liability auto insurance will cover the actual delivery. Uber’s commercial liability policy covers grocery deliveries for Walmart, but drivers must meet their state’s auto insurance minimums to apply.
However, if you’re an independent delivery driver from a company besides Uber, you may need civil auto coverage for Walmart deliveries. Compare commercial car insurance rates by vehicle and auto insurance coverage type in the table below:
Commercial Auto Insurance Monthly Rates by Vehicle Type
| Car Type | Minimum Coverage | Full Coverage |
|---|---|---|
| Car | $50 | $200 |
| Semi | $667 | $1,042 |
| Cargo/Delivery Van | $275 | $517 |
| Limo | $333 | $500 |
| Cab | $417 | $833 |
Read More: Best Business Auto Insurance
Various state governments have worked with insurers to develop ridesharing policy add-ons for drivers who work for Transportation Network Companies (TNC) such as Uber or Lyft. Often, states insurance websites list the best rideshare auto insurance companies that provide TNC driver insurance.
To find cheap Walmart auto insurance near me at prices that don’t break the bank, shop around for quotes and coverage options from the best providers.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Walmart Spark Driver Insurance Requirements
While Walmart may offer liability Spark driver car insurance to its delivery drivers, they’ll need to carry a personal policy to qualify for Walmart Spark. Check out the table below to see each state’s minimum requirements for Spark driver car insurance:
Minimum Liability Auto Insurance Requirements by State
| States | Coverages | Liability Limits | PIP Limit | No-Fault/At-Fault |
|---|---|---|---|---|
| Alabama | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Alaska | Bodily injury & property damage liability | 50/100/25 | X | At-Fault |
| Arizona | Bodily injury & property damage liability | 25/50/15 | X | At-Fault |
| Arkansas | Bodily injury & property damage liability, personal injury protection (PIP) | 25/50/25 | $5,000, optional | At-Fault |
| California | Bodily injury & property damage liability | 15/30/5 | X | At-Fault |
| Colorado | Bodily injury & property damage liability | 25/50/15 | X | At-Fault |
| Connecticut | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/25 | X | At-Fault |
| Delaware | Bodily injury & property damage liability, personal injury protection (PIP) | 25/50/10 | $30,000 | At-Fault |
| Florida | Property damage liability, personal injury protection (PIP) | 10/20/10 | $10,000 | No-Fault |
| Georgia | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Hawaii | Bodily injury & property damage liability, personal injury protection (PIP) | 20/40/10 | $10,000 | No-Fault |
| Idaho | Bodily injury & property damage liability | 25/50/15 | X | At-Fault |
| Illinois | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/20 | X | At-Fault |
| Indiana | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Iowa | Bodily injury & property damage liability | 20/40/15 | X | At-Fault |
| Kansas | Bodily injury & property damage liability, personal injury protection (PIP) | 25/50/25 | $9,000 | No-Fault |
| Kentucky | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/25 | $10,000 | No-Fault |
| Louisiana | Bodily injury & property damage liability | 15/30/25 | X | At-Fault |
| Maine | Bodily injury & property damage liability, uninsured motorist, underinsured motorist, medical payments | 50/100/25 | X | At-Fault |
| Maryland | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 30/60/15 | $2,500, optional | At-Fault |
| Massachusetts | Bodily injury & property damage liability, personal injury protection (PIP) | 20/40/5 | $8,000 | No-Fault |
| Michigan | Bodily injury & property damage liability, personal injury protection (PIP) | 20/40/10 | $50,000 | No-Fault |
| Minnesota | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 30/60/10 | $40,000 | No-Fault |
| Mississippi | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Missouri | Bodily injury & property damage liability, uninsured motorist | 25/50/25 | X | At-Fault |
| Montana | Bodily injury & property damage liability | 25/50/20 | X | At-Fault |
| Nebraska | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/25 | X | At-Fault |
| Nevada | Bodily injury & property damage liability | 25/50/20 | X | At-Fault |
| New Hampshire | Financial responsibility only | 25/50/25 | X | At-Fault |
| New Jersey | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 15/30/5 | $15,000 | No-Fault |
| New Mexico | Bodily injury & property damage liability | 25/50/10 | X | At-Fault |
| New York | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/10 | $50,000 | No-Fault |
| North Carolina | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 30/60/25 | X | At-Fault |
| North Dakota | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/25 | $30,000 | No-Fault |
| Ohio | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Oklahoma | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Oregon | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/20 | $15,000 | At-Fault |
| Pennsylvania | Bodily injury & property damage liability, personal injury protection (PIP) | 15/30/5 | $5,000 | No-Fault |
| Rhode Island | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| South Carolina | Bodily injury & property damage liability, uninsured motorist | 25/50/25 | X | At-Fault |
| South Dakota | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/25 | X | At-Fault |
| Tennessee | Bodily injury & property damage liability | 25/50/15 | X | At-Fault |
| Texas | Bodily injury & property damage liability, personal injury protection (PIP) | 30/60/25 | $2,500, optional | At-Fault |
| Utah | Bodily injury & property damage liability, personal injury protection (PIP) | 25/65/15 | $3,000 | No-Fault |
| Vermont | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/10 | X | At-Fault |
| Virginia | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/20 | X | At-Fault |
| Washington | Bodily injury & property damage liability | 25/50/10 | $10,000, optional | At-Fault |
| Washington, D.C. | Bodily injury & property damage liability, uninsured motorist | 25/50/10 | $50,000, optional | At-Fault |
| West Virginia | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/25 | X | At-Fault |
| Wisconsin | Bodily injury & property damage liability, uninsured motorist, medical payments | 25/50/10 | X | At-Fault |
| Wyoming | Bodily injury & property damage liability | 25/50/20 | X | At-Fault |
As you can see, requirements for Walmart automobile insurance vary by state, meaning rates do too.
So, don’t go with the first Walmart auto insurance quote you get — always compare quotes from various providers to find the best deal on Walmart insurance for cars.
Auto Insurance at Walmart: How Accidents and Claims Work
Uber Eats drivers picking up and delivering food from Walmart have coverage through Uber’s $1 million commercial policy after they’ve picked up food at the store and while they’re en route to drop off the food. Uber’s $1 million liability coverage will pay for bodily injury to passengers or third-party vehicle damage.
However, if you have Spark delivery insurance with Walmart, its liability policy covers you, but you’ll still need to carry personal coverage.
It’s crucial to understand how your personal policy interacts with commercial insurance, whether you need Walmart car insurance for employees or you’re an Uber driver. Check out Walmart car insurance reviews to find the best policy for you.
Learn More: How to File an Auto Insurance Claim
Risks of Delivering Food for Walmart
You can be responsible for carrying large orders, including heavy bags of pet food or flats of soft drinks. You could experience a higher accident risk because these items might unexpectedly shift while you’re driving.
If you don't tell your insurance company you're delivering food for Walmart, the company could cancel your policy. If you have an accident while making a delivery, your insurer will most likely find out.Laura Berry Former Licensed Insurance Producer
Even if you’re a Walmart employee occasionally dropping groceries off on the way home, car insurance companies see delivery driving as risky.
Each state has penalties for car insurance fraud which include fines and potential jail time. You already know that your car insurance could be canceled. If your insurance is canceled, then you could face a suspended driving license or vehicle registration.
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Next Steps to Get Walmart Delivery Auto Insurance
Some insurance providers offer commercial or small business insurance designed for people who have to drive their cars as part of their job. These policies could have begun as products for on-the-road salespeople, floral delivery drivers, or even pizza delivery drivers.
Insurance for delivering food for Walmart can be available if your state and city. An insurance policy for small business delivery services can be affordable, especially if you speak with the company before you start making deliveries.
Companies and insurance commissions are working out the details of fair pricing and responsibility and have already helped to make add-ons for Uber and Lyft driving for passengers available in nearly every state.
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— AutoInsurance.org (@AutoInsurance) February 11, 2024
Compare your Walmart car insurance quote online against other providers by entering your ZIP code into our free quote tool below.
Frequently Asked Questions
Does Walmart offer car insurance?
You may be wondering, “Does Walmart sell auto insurance?” Walmart doesn’t sell insurance, but it may offer liability Walmart car insurance plans to its delivery drivers.
Does Walmart Spark verify car insurance?
Yes, the Walmart auto insurance requirements for Spark drivers includes carrying a personal policy.
What company is the Walmart of auto insurance?
While a specific company doesn’t officially hold this title, we consider the Walmart of car insurance to be Geico. Like Walmart, Geico offers a diverse array of products at affordable prices. Learn more in our Geico auto insurance review.
So, does Walmart offer auto insurance? No, you can’t buy car insurance directly with Walmart, but it may offer liability protection to Spark drivers.
How long does Spark take to verify insurance?
It can take up to 14 days for Walmart Spark to verify new drivers.
Does personal auto insurance cover Walmart delivery?
While a personal policy is required to drive for Walmart Spark, it may not fully cover you while working as a delivery driver. Check with your provider to see if your policy covers delivery services or if you need rideshare insurance.
However, does Walmart have auto insurance? Walmart may offer liability coverage to Spark drivers.
How much does Walmart delivery auto insurance cost?
Walmart auto insurance prices vary based on several factors, such as location, driving history, type of vehicle, and coverage limits. Compare rideshare insurance quotes from the top providers for low rates.
However, you might wonder, “Does Walmart sell car insurance?” Though you can’t buy Walmart vehicle insurance directly from the company, it may offer liability coverage to its delivery drivers.
Can I use my personal vehicle for Walmart delivery?
In most cases, you can use your personal vehicle for Walmart delivery. However, it is crucial to inform your insurance provider about your intention to use your vehicle for delivery services. Using your personal vehicle for commercial purposes may require specific insurance coverage to ensure adequate protection.
How do I buy Walmart delivery auto insurance?
A top question readers ask is, “Does Walmart have car insurance near me?”
You can’t buy car insurance through Walmart directly. However, to get rideshare coverage, you should compare quotes and coverage options from the top providers to get cheap Walmart auto insurance near me.
What should I do if I have an accident while making a Walmart delivery?
If you have an accident while making a Walmart delivery, you should first ensure your safety and the safety of others involved. Contact emergency services if necessary. Report the accident to both the police and your insurance provider as soon as possible. Provide accurate details and any necessary documentation for the claims process.
Can I switch insurance providers for Walmart delivery auto insurance?
You can switch insurance providers if you find a better policy or more competitive rates elsewhere. Before making the switch, make sure to review the coverage and requirements of the new policy to ensure it meets your needs as a Walmart delivery driver.
Is there a Walmart car insurance discount?
Yes, Walmart employees enjoy affiliation discounts from most auto insurance companies, but does Walmart carry car insurance?
You can’t buy car insurance inside Walmart, but the company may offer liability insurance to employees who deliver.
How does Spark verify insurance?
Walmart Spark will request proof of auto insurance before you can enroll in the Spark Driver program.
Read More: How to Get Instant Proof of Your Auto Insurance Policy Online
What is the Walmart auto insurance phone number near me?
For Spark support, contact the Walmart car insurance phone number: 1-855-743-0457.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Published Insurance Expert
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.