Best Car Insurance for DoorDash Drivers in 2024 (Save Money With These 10 Companies)
State Farm, Progressive, and Allstate lead as the best car insurance for DoorDash drivers, with rates starting at just $60 monthly. These companies provide policies specifically designed to meet the unique needs of DoorDash drivers, ensuring optimal coverage, cost-effectiveness, and reliability for every delivery.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Oct 28, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 28, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsCompany Facts
Full Coverage for DoorDash Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
13,128 reviewsCompany Facts
Full Coverage for DoorDash Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
11,413 reviewsCompany Facts
Full Coverage for DoorDash Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
These providers offer policies that are designed to meet the unique demands and risks associated with food delivery, ensuring drivers are well-protected while on the job. Each company offers unique benefits, from low premiums to broad coverage, meeting diverse DoorDash driver needs.
Our Top 10 Company Picks: Best Car Insurance for DoorDash Drivers
Company Rank UBI Discount A.M. Best Best For Jump to Pros/Cons
#1 30% B Customer Service State Farm
#2 30% A+ Qualifying Coverage Progressive
#3 40% A+ Infrequent Drivers Allstate
#4 30% A Customizable Policies Farmers
#5 30% A Occupational Discount Liberty Mutual
#6 40% A+ Vanishing Deductible Nationwide
#7 50% A Many Discounts Mercury
#8 30% A Costco Members American Family
#9 30% A++ Bundling Policies Travelers
#10 30% A Diminishing Deductible Safeco
Choosing one of these trusted insurers ensures drivers robust protection for their daily routes. See details in our article titled “Best Auto Insurance Discounts for DoorDash Drivers.”
Looking for the best DoorDash insurance companies? Enter your ZIP code to get free DoorDash insurance quotes.
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#1 – State Farm: Top Overall Pick
Pros
- DoorDash-Friendly Discounts: State Farm offers significant bundling discounts for DoorDash drivers combining multiple insurance types.
- Low-Mileage Savings: State Farm provides substantial discounts for DoorDash drivers with low annual mileage. For more details, see the “State Farm Insurance Review & Ratings.”
- Varied Coverage Options: Tailored to meet diverse business needs, State Farm offers a range of coverage suitable for DoorDash drivers.
Cons
- Comparatively Lower Multi-Policy Discount: State Farm’s multi-policy discounts for DoorDash drivers are not as competitive as others in the market.
- Higher Premium Levels: Despite available discounts, State Farm’s premiums can be relatively higher for certain coverage levels for DoorDash drivers.
#2 – Progressive: Best for Qualifying Coverage
Pros
- Usage-Based Savings: Progressive offers a 30% discount for DoorDash drivers using Snapshot, a usage-based insurance program. Discover insights in our article titled “Progressive Insurance Review & Ratings.”
- High A.M. Best Rating: With an A+ rating, Progressive is highly reliable for DoorDash drivers seeking dependable insurance coverage.
- Specialized Rideshare Add-On: Progressive provides rideshare insurance that includes DoorDash drivers, enhancing coverage during deliveries.
Cons
- Complex Pricing Structure: DoorDash drivers may find Progressive’s pricing structure complex and difficult to predict.
- Limited Coverage in Some Areas: Some regions may offer limited insurance options for DoorDash drivers through Progressive.
#3 – Allstate: Best for Infrequent Drivers
Pros
- High Mileage Discount: Allstate offers a 40% discount for DoorDash drivers who drive infrequently, leading to significant savings.
- Robust Mobile App Features: Allstate’s mobile app provides DoorDash drivers easy access to policy management and claims. Learn more about our offerings in the article titled “Allstate Insurance Review & Ratings.”
- Tailored Coverage for Part-Time Drivers: Specifically beneficial for DoorDash drivers who work part-time, reflecting their lower risk and usage levels.
Cons
- Premium Cost Variability: Allstate’s premium costs for DoorDash drivers can vary significantly based on driving history and vehicle type.
- Coverage Limitations: Some essential coverages for DoorDash drivers might not be as comprehensive as offered by competitors.
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#4 – Farmers: Best for Customizable Policies
Pros
- Customizable Policies: Farmers offers extensive customization options for DoorDash drivers, allowing them to tailor their coverage precisely.
- Dedicated Agent Support: DoorDash drivers benefit from Farmers’ dedicated agent support, providing personalized advice and assistance.
- Discounts for Safe DoorDash Drivers: Farmers rewards DoorDash drivers with discounts for maintaining a safe driving record. Find additional information in our article titled “Farmers Insurance Review & Ratings.”
Cons
- Higher Cost for Customization: Customizing policies to suit specific DoorDash driving needs may lead to higher premiums at Farmers.
- Availability Variances: The availability and specifics of customizable policies for DoorDash drivers may vary significantly by region.
#5 – Liberty Mutual: Best for Occupational Discount
Pros
- Occupational Discounts: Liberty Mutual offers significant discounts for DoorDash drivers based on their occupation. Explore insights in our article titled “Liberty Mutual Review & Ratings.”
- Flexible Coverage Options: Provides a variety of coverage options that DoorDash drivers can adjust based on their delivery frequency and needs.
- Accident Forgiveness: DoorDash drivers can benefit from Liberty Mutual’s accident forgiveness policy, potentially saving on premiums after an accident.
Cons
- Policy Cost Fluctuations: The cost of policies for DoorDash drivers at Liberty Mutual can fluctuate based on multiple factors, including location and driving history.
- Complex Claims Process: Some DoorDash drivers may find the claims process at Liberty Mutual to be more complex and time-consuming than at other insurers.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide offers a vanishing deductible that decreases annually for DoorDash drivers with safe driving records. For further details about the company, please refer to our article titled “Nationwide Insurance Review & Ratings.”
- SmartRide Discount Program: DoorDash drivers participating in Nationwide’s SmartRide program can earn discounts based on their driving behavior.
- Broad Coverage Inclusion: Nationwide provides extensive coverage options that include many scenarios DoorDash drivers might encounter.
Cons
- Higher Initial Deductibles: While the deductible may vanish over time, Nationwide’s initial deductibles can be higher for DoorDash drivers.
- Rate Adjustments Post-Claim: DoorDash drivers might experience significant rate adjustments after filing a claim with Nationwide.
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#7 – Mercury: Best for Many Discounts
Pros
- Extensive Discounts: Mercury offers a wide range of discounts for DoorDash drivers, including those for safe driving and anti-theft devices.
- High A.M. Best Rating: Mercury’s solid A rating ensures reliability and financial stability for DoorDash drivers looking for secure coverage. Further details about this provider can be found in our article titled “Mercury Insurance Review & Ratings.”
- Flexible Payment Options: DoorDash drivers benefit from Mercury’s flexible payment options, making insurance premiums more manageable.
Cons
- Limited Coverage Area: Mercury’s insurance options for DoorDash drivers are not available in all states, limiting accessibility for some drivers.
- Customer Service Variability: The level of customer service experienced by DoorDash drivers can vary depending on the region and local office.
#8 – American Family: Best for Costco Members
Pros
- Exclusive Benefits for Costco Members: DoorDash drivers who are Costco members enjoy exclusive benefits and discounts with American Family.
- Wide Range of Coverage Options: American Family provides a variety of insurance options that suit the diverse needs of DoorDash drivers.
- Rewards for Loyalty: Long-term DoorDash drivers with American Family can receive loyalty discounts and perks. Gain detailed understanding from our article titled “American Family Insurance Review & Ratings.”
Cons
- Membership Requirement for Best Rates: The best rates and discounts for DoorDash drivers are often contingent upon Costco membership.
- Policy Adjustments Needed for Full Benefits: DoorDash drivers may need to adjust their policies frequently to maximize benefits, which can be cumbersome.
#9 – Travelers: Best for Bundling Policies
Pros
- Bundling Advantage: Travelers offers significant savings for DoorDash drivers who bundle their auto insurance with other policies. Delve into our evaluation of our article titled “Travelers Insurance Review & Ratings.”
- Highly Rated for Customer Satisfaction: Travelers consistently scores high in customer satisfaction, benefiting DoorDash drivers with superior service.
- Flexible Accident Forgiveness: DoorDash drivers can take advantage of Travelers’ flexible accident forgiveness policies, reducing the penalty for a first accident.
Cons
- Premiums May Increase with Coverage Add-ons: While bundling can save money, adding specific coverages for DoorDash can increase overall premiums at Travelers.
- Geographical Coverage Limitations: Not all coverage options are available in every state, potentially limiting choices for some DoorDash drivers.
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#10 – Safeco: Best for Diminishing Deductible
Pros
- Diminishing Deductible: Safeco rewards DoorDash drivers with a diminishing deductible for each year of safe driving. Take a closer look at our article titled “Safeco Insurance Review & Ratings” for additional information.
- Comprehensive Rideshare Coverage: Offers extensive rideshare coverage that is ideal for DoorDash drivers, covering multiple scenarios under one policy.
- Competitive Rates for Comprehensive Coverage: Safeco provides competitive rates for comprehensive insurance coverage, appealing to cost-conscious DoorDash drivers.
Cons
- Claims Process Complexity: Some DoorDash drivers may find Safeco’s claims process to be intricate and slow, particularly during peak times.
- Coverage Options May Be Overwhelming: The wide range of options at Safeco can be overwhelming for some DoorDash drivers, making it difficult to choose the best policy.
Monthly Car Insurance Rates for DoorDash Drivers by Provider and Coverage Level
When exploring DoorDash car insurance, you’ll find that monthly premiums can differ widely among insurers and are influenced by the type of coverage selected.
DoorDash Driver Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $70 $160
American Family $64 $148
Farmers $68 $155
Liberty Mutual $75 $165
Mercury $66 $152
Nationwide $62 $145
Progressive $65 $150
Safeco $70 $160
State Farm $60 $140
Travelers $67 $158
The table compares monthly minimum and full coverage rates across insurers. Allstate and Safeco start at $70 for minimum coverage, reaching $160 for full. State Farm offers the lowest rate at $60 and $140 for full coverage. Explore our detailed guide, “Safeco Car Insurance Discounts,” to determine if this provider meets your needs.
On the other hand, Liberty Mutual stands at the higher end with minimum coverage costing $75 and full coverage at $165. Notably, Nationwide offers a competitive rate for minimum coverage at $62, escalating to $145 for full coverage. This range highlights the importance of comparing rates to find the best fit for individual needs and budgets, ensuring adequate protection while delivering for DoorDash.
What Are the Best Companies That Offer Car Insurance for Doordash Drivers
When selecting the top door dash car insurance policies, a crucial factor is choosing the right insurance company for DoorDash driver insurance.
While numerous providers offer car insurance for delivery drivers, Geico, Progressive, and State Farm stand out as some of the top companies providing high DoorDash insurance coverage at competitive rates. To find out more, explore our guide titled “Best Insurance Companies.”
Geico
Geico stands out as a top choice for delivery drivers seeking cost-effective, comprehensive car insurance. They provide a hybrid insurance policy that serves as a replacement for your personal car insurance, eliminating the need to supplement your current coverage. This ensures you are fully covered without any additional adjustments, addressing what does DoorDash insurance cover efficiently.
With Geico’s hybrid insurance you are covered 24/7, whether you’re making food deliveries or driving on personal time.
Geico also has very low deductibles on this policy starting at $250.
If you’re looking for an affordable car insurance company that offers full-coverage policies for DoorDash delivery drivers, Geico is one of the best. Take a deep dive into our article titled “Best Auto Insurance Discounts for Delivery Driver” for more information.
Progressive
Progressive provides rideshare insurance that can be appended to your existing personal car insurance policy. While this type of coverage generally applies to those transporting passengers, Progressive’s option extends to include food delivery drivers, supporting both door dash auto insurance and offering potential DoorDash car insurance discount opportunities.
You can add benefits like roadside assistance and rental car reimbursement to your policy, and the company also offers deductible reimbursement in the event that you ever file a claim.
Progressive’s rideshare insurance can be a good option to consider if you’re a DoorDash driver looking for coverage with a lot of benefits.
State Farm
State Farm provides highly cost-effective rideshare insurance, ideal for those seeking the best insurance for delivery drivers. For individuals solely involved in food delivery without transporting passengers, there is an option to include a “business use” notation on your personal auto insurance, making it a strong candidate for the best insurance for DoorDash drivers.
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Adding this notation to your policy is generally less expensive than rideshare insurance is, so State Farm may be worth considering if you’re looking for a simpler and more affordable alternative to rideshare coverage. For more detailed information on their services, read our article titled “Best Car Insurance for Rideshare Drivers.”
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Average DoorDash Car Insurance Rates
Auto insurance premiums for delivery drivers fluctuate based on the insurance provider you select, your driving record, and the specific policy you purchase. This variation is key to understanding DoorDash insurance requirements and whether DoorDash requires insurance.
For example, adding rideshare coverage to your personal policy can increase your auto insurance rates by 15%-20%, but commercial auto insurance policies can be considerably more expensive to buy.
On average, commercial auto insurance costs $142 a month.
Does Doordash Offer Health Insurance
DoorDash works with Stride Health to offer health insurance to the company’s delivery drivers. The benefits include medical, dental, and vision, but may vary depending on your location.
The easiest way to get health insurance as a DoorDash driver is by comparing all of your options and choosing a plan that best fits your budget and gives you the health coverage you need. Here’s the full review of article titled “Individual Health Insurance: A Complete Guide.”
How to File a Car Insurance Claim With DoorDash
Having your car damaged from an accident can set you back if you have deliveries to make, but fortunately, DoorDash insurance claims are fairly simple to file. To file a car insurance claim with DoorDash, you can contact the DoorDash insurance number at (480) 579-2405.
This line is open every day at any time and is strictly dedicated to DoorDash claims. To learn more about their offerings, check out our article titled “How do I appeal an car insurance claim with State Farm?”
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Case Studies: Best Car Insurance for DoorDash Drivers
Choosing the right car insurance is crucial, especially for DoorDash drivers who need reliable coverage while on the road. The following case studies, inspired by real-world situations, illustrate how State Farm, Progressive, and Allstate effectively meet the unique needs of DoorDash drivers. Access comprehensive insights into our article titled “Allstate Car Insurance Discounts.”
- Case Study #1 – Swift Accident Coverage with State Farm: John, a DoorDash driver, was involved in a minor collision during a delivery. He reported the incident through State Farm’s mobile app and received prompt roadside assistance and coverage for vehicle repairs, ensuring minimal downtime.
- Case Study #2 – Comprehensive Protection by Progressive: Sarah, using her car for DoorDash deliveries, discovered vandalism to her vehicle after completing a drop-off. Thanks to her Progressive policy, which includes special coverage for delivery drivers, she was quickly compensated for the damages and loss of personal items from her car.
- Case Study #3 – Allstate’s All-Inclusive Driver Support: When Alex’s car broke down in a rural area while making deliveries, he utilized Allstate’s roadside assistance feature. Allstate not only towed his vehicle to the nearest service station but also covered the cost of a temporary replacement vehicle so he could continue working without interruption.
These scenarios highlight the importance of selecting car insurance that provides tailored solutions and rapid response for DoorDash drivers, ensuring they are supported in any situation while on duty.
What’s the Bottom Line on Buying Car Insurance as a Doordash Driver
As a DoorDash delivery driver, it’s essential to acquire commercial auto insurance for DoorDash because your personal auto insurance policy does not provide coverage during deliveries.
Although DoorDash offers auto insurance for delivery drivers, the company only offers basic liability insurance. The best auto insurance companies that offer full-coverage policies for DoorDash delivery drivers are Geico, Progressive, and State Farm.
Rideshare coverage and commercial auto insurance are some of the most common options available for delivery drivers, but rideshare insurance is generally the less expensive option between the two.
Before you buy car insurance, enter your ZIP code and get free quotes from top companies near you.
Frequently Asked Questions
Does DoorDash provide car insurance for its drivers?
Yes, DoorDash provides liability insurance coverage to its drivers while they are working on the DoorDash platform. This coverage includes third-party liability and property damage coverage.
Dive into more details with our guide on titled “What does car insurance cover?”
What is covered under DoorDash’s car insurance policy?
DoorDash’s car insurance policy covers liability and property damage caused by a driver while on an active delivery. This coverage includes up to $1,000,000 in liability coverage per incident and up to $50,000 in property damage coverage per incident.
Do DoorDash drivers need their own personal car insurance?
Yes, DoorDash requires its drivers to have their own personal car insurance that meets the minimum insurance requirements in their state. The DoorDash insurance policy is meant to supplement the driver’s personal insurance, not replace it.
Does DoorDash offer collision or comprehensive coverage?
No, DoorDash’s insurance policy does not cover collision or comprehensive damage to a driver’s vehicle. Drivers are responsible for obtaining their own collision and comprehensive coverage through their personal insurance policy.
What should a DoorDash driver do if they are involved in an accident while working?
If a DoorDash driver is involved in an accident while working, they should first make sure that everyone involved is safe and seek medical attention if necessary. Then, they should contact DoorDash’s support team and report the incident. The driver should also exchange insurance and contact information with any other parties involved in the accident.
To gain additional understanding, consult our detailed guide titled “Car Accidents: What to do in Worst Case Scenarios.”
Are DoorDash drivers required to carry proof of insurance?
Yes, DoorDash requires its drivers to carry proof of their personal car insurance with them while they are working on the DoorDash platform. Drivers should also be familiar with the coverage provided by DoorDash’s insurance policy.
Does State Farm cover DoorDash?
Yes, State Farm offers insurance policies that can cover DoorDash drivers under their rideshare and commercial auto insurance options.
Geico DoorDash insurance: is it available?
Yes, Geico provides a hybrid insurance policy specifically designed to cover delivery drivers, including those working for DoorDash.
What is the best insurance for DoorDash?
The best insurance for DoorDash often includes companies like State Farm, Progressive, and Allstate, which offer tailored rideshare or commercial policies.
For deeper knowledge, explore our insightful guide titled “Commercial Insurance: A Complete Guide.”
Does auto insurance cover DoorDash activities?
Standard auto insurance does not typically cover DoorDash activities; a specific rideshare or commercial policy is usually required.
What insurance companies cover DoorDash?
Companies like State Farm, Progressive, Geico, and Allstate offer insurance policies that cover DoorDash drivers.
Searching for more affordable premiums? Insert your ZIP code below to get started on finding the right provider for you and your budget.
What is the best insurance for delivery drivers?
The best insurance for delivery drivers includes comprehensive policies from providers like State Farm, Geico, and Progressive that specifically cover delivery activities.
Is there specific car insurance for DoorDash drivers?
Yes, car insurance for DoorDash drivers is typically a commercial or rideshare policy that specifically covers the unique risks of delivery driving.
To obtain more details, check out our extensive relevant guide titled “Best Auto Insurance Discounts for Delivery Driver.”
Do you need commercial insurance for DoorDash?
Yes, commercial insurance or a rideshare endorsement is recommended for DoorDash to ensure full coverage during deliveries.
Do you need special insurance for DoorDash?
Yes, DoorDash drivers need special insurance, such as a commercial or rideshare policy, to be fully covered while making deliveries.
Does doing DoorDash raise your insurance?
Yes, doing DoorDash can raise your insurance rates as you may need a commercial or rideshare policy, which is often more expensive than personal auto insurance.
Does Progressive cover DoorDash?
Yes, Progressive offers rideshare insurance that includes coverage for DoorDash drivers.
To learn more, review our thorough guide titled “Progressive Car Insurance Discounts.”
What are DoorDash car insurance requirements?
DoorDash requires drivers to have a personal auto insurance policy in place, with the recommendation to add a rideshare or commercial endorsement.
DoorDash insurance claims phone number: what is it?
DoorDash insurance claims can be filed by contacting their dedicated phone line at (480) 579-2405.
Who is DoorDash’s insurance carrier?
DoorDash partners with various insurance carriers depending on the region, but commonly used carriers include providers like Progressive and State Farm.
Enter your ZIP code below to start comparing premiums from highly-rated insurers in your area.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
