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DoorDash Jobs: What Kind of Car Insurance Do You Need?

WRITTEN BY: Julia Matseikovich


If you’re a DoorDash driver, you need to make sure you have additional insurance to your standard policy. Your normal coverage won’t cover you while using your car for business purposes. Usually, if you drive for work you’d need commercial car insurance, but how does this work when you’re using your personal vehicle for a delivery service?

What Type of Car Insurance Does DoorDash Supply?

DoorDash provides a basic liability insurance policy for all of its drivers. It covers you for up to $1 million dollars if you get into an accident while on an active delivery. DoorDash insurance coverage is excess only.

One million dollars sounds like a lot of coverage. This means it must be a great insurance policy, right? 

Eh, not so much.

In the small print, you see DoorDash insurance applies only after you go through your own auto insurance policy. If you don’t have insurance of your own, DoorDash’s policy won’t cover anything. 

You’re only covered while actively completing a delivery

DoorDash’s insurance policy only comes into effect when you’re on an ‘active delivery’. This means you are only covered from the time you accept a delivery request until the time your customer receives their order or the order is canceled. 

DoorDash’s liability insurance doesn’t cover you while you’re on your way to pick up an order or while you’re on your way back from dropping off an order. Having your own car insurance policy ensures you’re protected anytime you’re driving, regardless of what you’re doing.

DoorDash insurance only covers third-party damage and injuries

DoorDash car insurance only covers injury to a third party or damage to a third party’s vehicle. That means you still need to have your own insurance to cover any damages to your vehicle. You have to make sure that the policy will cover you as a DoorDash driver, and isn’t just standard insurance.

What Type of Car Insurance Policy Do I Need as a DoorDash Driver?

Car insurance companies see delivery and rideshare drivers as higher risk than people who only use their vehicles for leisure and commuting. It’s likely that people who drive for work will be on the road more often and therefore have more chance of getting into an accident. 

For that reason, they tend to charge more for insurance premiums for business use.

DoorDash insurance policies

There aren’t any specific food delivery service insurance policies. You should speak to your insurance provider to find out exactly what cover they can offer you. They may ask questions about how often you’ll be using your car for work purposes. 

Ride-share coverage

Some personal insurance companies will offer an inexpensive ‘ride-share’ add-on to your existing policy that will cover you if you drive for DoorDash. Other times, your insurance company may bundle it into your standard coverage. Speak to your insurance company to find out the best way to get covered.

Commercial coverage

Commercial insurance policies are typically best for people who will be using their vehicle mainly for business use. If you’re a full-time delivery driver, this would suit you.

Business-use coverage

This is an optional add-on offered by most insurance companies. It means that you’re covered if you use your vehicle for business purposes occasionally. This isn’t suitable if you deliver food full time, but can be a great solution for insurance if DoorDash is your side hustle or part-time job.

Do DoorDash Jobs Affect My Current Car Insurance?

If you get into an accident while working for DoorDash or similar companies, but don’t have the appropriate insurance, your claim may be denied. This means that you’ll be stuck with the medical and property damage bills.

If you drive for DoorDash without the proper coverage and your insurance company finds out, it may cancel your policy.

DoorDash and Car Insurance FAQs

Do I need special insurance for DoorDash jobs?

There is no specific insurance for DoorDash, but you will need to speak to your insurance provider to make sure you’ll be covered. This may increase your premiums, either through the anticipated added annual miles, or the add-on coverage.

Do I need business insurance on my car for DoorDash?

Yes. You need to have some kind of insurance that covers you while you’re working for DoorDash. Without this, the insurance that DoorDash provides won’t kick in, as this only comes into effect after your own insurance is exhausted.

Will personal car insurance cover food delivery?

No, it won’t. Personal car insurance doesn’t usually cover any business-related use. This includes food delivery. If you get into an accident while working for a food delivery service, but do not have appropriate insurance, your claim may be declined.

What do I do if I’m in an accident while delivering food?

If you’re in an accident while delivering food, first of all, you should make sure that everyone is safe. Next, contact your insurance company as you would in any accident situation. Let DoorDash know what has happened when you’re able by completing their accident form.

What does DoorDash insurance include?

The insurance policy provided by DoorDash includes up to $1,000,000 protection. It covers up to that amount in bodily injury and/or property damage. This only applies to third-party damage and only if the accident happened while you were active on a delivery.

Final Word on Insurance For DoorDash Jobs

Standard insurance won’t cover you if you get into an accident while delivering for DoorDash or other food delivery services. Make sure you have appropriate cover, and as always, shop around for car insurance to ensure you get the best deal available.

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