[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.agilerates.com\/advice\/auto\/best-car-insurance-for-doordash-drivers\/#BlogPosting","mainEntityOfPage":"https:\/\/www.agilerates.com\/advice\/auto\/best-car-insurance-for-doordash-drivers\/","headline":"Best Car Insurance For DoorDash Drivers","name":"Best Car Insurance For DoorDash Drivers","description":"Food delivery drivers for DoorDash and other delivery services may love the freedom of working when they want, but there are a few things to know to find the best car insurance for DoorDash drivers.  Working for DoorDash requires car insurance, but your personal car insurance coverage typically won\u2019t apply when you pick up or […]","datePublished":"2023-02-23","dateModified":"2025-07-08","author":{"@type":"Person","@id":"https:\/\/www.agilerates.com\/author\/mark-romero\/#Person","name":"Mark Romero","url":"https:\/\/www.agilerates.com\/author\/mark-romero\/","image":{"@type":"ImageObject","@id":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/06\/Mark-Romero-150x150.png","url":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/06\/Mark-Romero-150x150.png","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Agile Rates","logo":{"@type":"ImageObject","@id":"https:\/\/dev.agilerates.com\/wp-content\/uploads\/2019\/11\/unnamed.png","url":"https:\/\/dev.agilerates.com\/wp-content\/uploads\/2019\/11\/unnamed.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2023\/03\/car-insurance-for-doordash-drivers.jpg","url":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2023\/03\/car-insurance-for-doordash-drivers.jpg","height":1016,"width":1600},"url":"https:\/\/www.agilerates.com\/advice\/auto\/best-car-insurance-for-doordash-drivers\/","about":["Auto","Insurance Advice"],"wordCount":1293,"articleBody":"Food delivery drivers for DoorDash and other delivery services may love the freedom of working when they want, but there are a few things to know to find the best car insurance for DoorDash drivers. Working for DoorDash requires car insurance, but your personal car insurance coverage typically won\u2019t apply when you pick up or deliver food. Below, you\u2019ll find out how car insurance for dashers works and our picks for the best car insurance for DoorDash drivers.Do you need special insurance as a DoorDash driver?If you drive for DoorDash, your personal auto insurance policy won\u2019t cover you while you\u2019re on the job. DoorDash offers dashers basic liability insurance up to 1 million dollars for bodily injury and property damage. The coverage applies only to car accidents when you\u2019re in active delivery. You must file a claim through your insurance company before DoorDash\u2019s third-party liability coverage applies.You don\u2019t need commercial car insurance if you drive for DoorDash, Postmates, Uber Eats, GrubHub, or any other food delivery company. But failure to let your insurance company know you use your car for business purposes may result in cancellation and insurance claim denials. Luckily, most major car insurance companies offer dasher insurance and insurance policies for rideshare drivers, such as Lyft.6 of the best car insurance companies for DoorDash driversMultiple carriers offer suitable car insurance for DoorDash drivers. To save time and money, and streamline the claims process in case of an accident, work with only DoorDash-friendly companies. The insurance providers below offer the best car insurance for DoorDash drivers.GEICOGEICO features rideshare insurance that covers DoorDash drivers with a hybrid insurance policy. The carrier converts your personal insurance policy and covers you anytime you\u2019re in your car, whether driving for pleasure or delivering food to a customer. PROS Low deductibles available No mileage restrictions Hybrid policy is cheaper than a commercial-use policy Affordable auto insurance rates Works if you drive for multiple companies CONS Only available in certain states Insurance for dashers isn\u2019t an endorsement or add-on policy Lower consumer satisfaction rate than other carriers Limited insurance agent availability ProgressiveProgressive provides the best car insurance for DoorDash drivers because its rideshare coverage applies to both food delivery drivers and rideshare drivers. You must currently have a personal car insurance policy to purchase the rideshare coverage. The carrier allows the same policy limits you chose for your personal auto policy. PROS Insurance policy tailored for food delivery drivers Features deductible reimbursements Easy-to-file claims process online and via an app Ability to select your deductible You can apply for a quote online CONS Only available to current Progressive customers It may not cover every step of food delivery work Can be expensive Coverage limited to 34 states and the District of Columbia State FarmState Farm features rideshare coverage for passenger drivers from Lyft and Uber, as well as coverage for DoorDashers. If you pick up and deliver food for DoorDash or other food delivery services, you can opt for a business-use notation on your personal State Farm policy.While the coverage is ideal for DoorDash drivers, it might not be the best for people who work with multiple gig-work companies because Uber and Lyft drivers have to add rideshare coverage to their policies. PROS Wide availability for customers Your personal policy\u2019s coverage and add-ons can also apply Needs only a business-use notation, not a commercial policy CONS Rideshare coverage can be expensive, adding 15% to 20% to your insurance premiums The business-use policy for DoorDash doesn\u2019t apply if you have passengers for Lyft or Uber Coverage varies by state availability AllstateAllstate offers rideshare coverage under the name Ride for Hire, and it applies to both delivery drivers and those with passengers. The policy is an add-on to your existing car insurance policy. PROS A special type of insurance explicitly made for delivery and rideshare Available as an add-on to your policy Personal coverage still applies when you\u2019re on the job CONS It could be expensive depending on your location and insurance policy Can\u2019t purchase a policy online Limited information on coverage and limits online ErieErie was one of the first insurance carriers to offer ridesharing insurance coverage. Unlike other insurance companies, the coverage applies before, during, and after the drive. With Erie, you need a business-use endorsement. PROS Affordable prices Coverage for rental cars and glass repair Personalized quotes based on your needs CONS Limited to 12 states plus D.C. You must purchase a policy through an agent No online quotes are available No terms and conditions online Rideshare insurance isn\u2019t a supplemental policy USAAUSAA offers add-on coverage for rideshare and delivery services, making it easy to adapt car insurance from personal use to business use. The delivery driver insurance applies to rideshare with passengers and food delivery, making it great for those who work for DoorDash and Uber or Lyft. Unfortunately, USAA members are only military members and their families. PROS Doesn\u2019t require a new commercial auto insurance policy, just add-on coverage Affordable coverage Insurance coverage addresses the gap between waiting for a delivery request and active delivery CONS Policies limited to military members and their families Need a personal use policy to purchase the add-on Lack of coverage information online FAQsWhat is the best car insurance for DoorDash drivers?State Farm is the best car insurance for DoorDash drivers in terms of availability, cost, and coverage. If you work solely for DoorDash delivering food and don\u2019t have passengers (like Lyft or Uber), you can add a business-use notation to your policy.Does car insurance go up with DoorDash?Yes, your car insurance costs can increase when you deliver for DoorDash. When you deliver food, you often drive more, which could increase your insurance rates. You will likely pay a higher rate if you need a commercial car insurance policy.Should I tell my car insurance about DoorDash?Yes. Inform your personal insurance company if you work for DoorDash. Your individual policy isn\u2019t intended for business use, so you must tell your insurer if you use your personal vehicle and deliver for DoorDash. You can then add on a car insurance policy specifically for your business.What auto insurance companies cover DoorDash drivers?National insurance carriers such as GEICO, Progressive, Allstate, USAA, and State Farm offer auto insurance for dashers. Erie, a regional company with coverage in 12 states plus the District of Columbia, also offers DoorDash car insurance.What is the average DoorDash driver making?DoorDash reports the average salary for a driver is $25 an hour. They receive 100% of customers\u2019 tips, and the company pays $2 to $10 per delivery based on delivery distance, order, and other factors.How much does DoorDash pay for insurance?DoorDash doesn\u2019t pay for a standard car insurance policy but offers liability coverage to its dashers. It covers up to 1 million in damages if you have a car accident while on the job but is active only after you contact your personal auto insurance company.Find car insurance that covers your DoorDash workDon\u2019t rely on your personal car insurance for your DoorDash deliveries. Whether you work full-time or part-time, your personal policy won\u2019t apply for business use. You can easily find DoorDash insurance from Progressive, State Farm, Allstate, and other carriers with ease. Browse delivery insurance options from various carriers and retrieve information with our free quote tool. Get a quote now.Related content:DoorDash Drivers: What Kind of Car Insurance Do You Need?Lyft Insurance: How It Works & What’s CoveredRideshare Insurance: What Coverage Do Drivers Need?Best Car Insurance For Delivery Drivers (Updated 2023)"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Advice","item":"https:\/\/www.agilerates.com\/advice\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Auto","item":"https:\/\/www.agilerates.com\/advice\/\/auto\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"Best Car Insurance For DoorDash Drivers","item":"https:\/\/www.agilerates.com\/advice\/auto\/best-car-insurance-for-doordash-drivers\/#breadcrumbitem"}]}]