As a mother of four, I always want my kids to have safe and reliable transportation—especially when they’re using their car for work. My son recently started working as a delivery driver for Uber Eats and DoorDash, and we quickly discovered that standard car insurance doesn’t cover food or package delivery.

If you (or your child) is using their car to deliver food, groceries, or packages, having the right insurance is crucial. Without proper coverage, an accident could leave you paying out-of-pocket for repairs and medical expenses—or worse, your insurance company could deny your claim altogether.

In this guide, I’ll share:
✅ Why delivery drivers need special insurance
✅ Best car insurance companies for delivery drivers
✅ How to get affordable coverage without overpaying

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Why Regular Car Insurance Won’t Cover Delivery Driving

Most personal auto insurance policies exclude commercial use, meaning if you get into an accident while delivering for:

🚗 Uber Eats
🚗 DoorDash
🚗 Instacart
🚗 Grubhub
🚗 Amazon Flex
🚗 Walmart Spark

Your insurance company could deny your claim, leaving you with thousands of dollars in damages.

📌 The Problem?

• Delivery apps offer limited insurance, but only in certain situations.
• Drivers need special “business use” or “rideshare/delivery” coverage.

🚨 The Risk: If my son had an accident while actively delivering food, his regular insurance wouldn’t pay for damages—and Uber Eats wouldn’t cover his car either.

📌 The Solution? He needed a delivery driver car insurance policy.

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Best Car Insurance for Delivery Drivers

We compared multiple insurance providers to find the best coverage for delivery drivers.

Insurance Company	Best For	Delivery Insurance Cost	Monthly Estimate
GEICO	Best for cheap rates	Rideshare/Delivery Add-on	$120 – $180
Progressive	Best full-time delivery coverage	Commercial Policy	$140 – $200
State Farm	Best for bundling discounts	Business Use Policy	$130 – $190
Allstate	Best accident forgiveness	Rideshare/Delivery Add-on	$135 – $195
USAA	Best for military families	Rideshare Add-on	$100 – $170
Farmers	Best for high-mileage drivers	Business Use Policy	$150 – $210

📌 Quick Breakdown:

• GEICO: Cheapest add-on for part-time delivery drivers.
• Progressive: Best for full-time delivery drivers.
• State Farm: Best for bundling auto & renters/home insurance.
• Allstate: Best if you want accident forgiveness included.
• USAA: Cheapest for military families.
• Farmers: Best for drivers putting in a lot of miles each week.

🚗 Example: My son got a rideshare/delivery add-on with GEICO because it was cheaper than a full commercial policy while still covering him during deliveries.

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How to Get the Right Car Insurance for Delivery Driving

1. Check If Your Current Policy Covers Deliveries 📜

Some insurance companies allow business use under standard policies, but most don’t cover delivery driving.

📌 Tip: Call your insurer and ask:
❓ “Does my policy cover me while making food or package deliveries?”

🚨 If they say no, you need an add-on policy or separate commercial insurance.

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2. Choose the Right Type of Insurance for Delivery Drivers 🚗

There are three main options for delivery driver insurance:

Coverage Type	Best For	Pros	Cons	Monthly Cost
Rideshare/Delivery Add-On	Part-time drivers (Uber Eats, DoorDash, Instacart, etc.)	Cheap & easy to add to existing policy	Not available in all states	$10 – $30 extra
Business Use Policy	Frequent delivery drivers	Covers deliveries + personal driving	Slightly more expensive	$20 – $50 extra
Commercial Auto Insurance	Full-time drivers (Amazon Flex, Walmart Spark, etc.)	Best protection for high-mileage drivers	Expensive	$100 – $250+

📌 Tip: If you’re only delivering a few hours a week, a rideshare add-on is the cheapest option. But if you deliver full-time, a commercial policy is a better investment.

🚗 Example: My son delivers for Uber Eats only on weekends, so we added a rideshare endorsement to his GEICO policy for just $15 extra per month.

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3. Compare Quotes from Multiple Providers 💰

Insurance costs vary widely, so getting quotes from at least 3-5 companies can save you hundreds of dollars per year.

📌 Best Sites to Compare Delivery Driver Insurance Quotes:

• The Zebra
• NerdWallet
• Policygenius

🚗 Example: My son compared quotes and found that GEICO was $40 cheaper per month than Progressive for a similar policy.

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4. Take Advantage of Discounts for Delivery Drivers 💵

Many insurers offer special discounts that can lower your premium:

✔️ Safe driver discount (no accidents or tickets).
✔️ Low-mileage discount (if you only deliver part-time).
✔️ Multi-policy discount (bundling auto & renters/home insurance).
✔️ Good student discount (for young drivers with a 3.0 GPA or higher).
✔️ Defensive driving course discount.

📌 Tip: My son got a 10% safe driver discount by signing up for GEICO’s DriveEasy tracking app.

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5. Consider Usage-Based or Pay-Per-Mile Insurance 📊

If you only deliver a few times a week, a pay-per-mile plan can be cheaper than traditional insurance.

✅ Best Pay-Per-Mile Insurance Providers:

• Metromile – Best for part-time delivery drivers.
• Allstate’s Milewise – Great for occasional drivers.
• Nationwide SmartMiles – Best for drivers under 10,000 miles per year.

🚗 Example: My son drives less than 500 miles per month, so pay-per-mile insurance saved him $300 per year!

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Final Thoughts: How My Son Got the Best Delivery Driver Insurance

After comparing quotes, my son chose GEICO’s rideshare add-on because:
✅ It was the cheapest option ($15/month extra).
✅ It covered delivery driving (which his personal policy didn’t).
✅ He qualified for a student discount, saving him more money.

💰 Final Cost: $135 per month, saving him $480 per year compared to a full commercial policy!

🚗 Bottom Line: If you’re a delivery driver, the best way to stay protected and save money is to:
✔️ Check if your current policy covers delivery driving.
✔️ Choose a rideshare add-on if you drive part-time.
✔️ Compare quotes from multiple insurers.
✔️ Ask about delivery driver discounts.
✔️ Consider pay-per-mile insurance if you drive less.

By following these steps, delivery drivers can get the right coverage—without breaking the bank! 🚗💨💰