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Top four car insurance companies for app-based delivery drivers

If you drive for one of the many food delivery, grocery delivery, or package delivery apps like DoorDash, Uber Eats, Instacart, Spark Driver, Amazon Flex, or Curri, you will need a rideshare insurance policy on top of your personal auto insurance. Below, we will go over the top four insurance companies for app-based delivery drivers.

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1. Progressive

Progressive offers customers rideshare insurance as an add-on to their personal car insurance plans. This insurance is required if you deliver for a company or drive for Uber and Lyft.

States This Coverage Is Not Available In:

Alaska.
California.
Connecticut.
Delaware.
Florida.
Hawaii.
Kansas.
Nevada.
New Jersey.
New York.
Vermont.

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2. Allstate

Allstate’s rideshare insurance coverage is called Allstate Ride for Hire®. It covers drivers during the gap in time when they have not yet accepted a trip. Ride for Hire also provides deductible gap coverage for damage to your vehicle up to $2,500 on top of what your delivery company offers.

Note: Ride for Hire is not available in New York.

3. USAA

USAA offers a “rideshare gap protection” endorsement for drivers actively waiting for a passenger or delivery request. You can add this coverage online via your USAA Account or by contacting a representative

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States This Coverage Is Not Available In:

Hawaii
Michigan
Montana
New Mexico
New York
North Carolina
South Carolina
Virginia

4. State Farm

State Farm offers rideshare insurance for delivery-app-based drivers. This add-on will increase your car insurance premium by 15% to 20%.

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Why You Should Have Rideshare Insurance to Do Deliveries

If you choose not to get additional delivery insurance on top of your personal insurance policy, you take on certain risks. If you get into an accident, you risk your claim being denied, leaving you stuck paying for damages out of your own pocket. Additionally, some companies may not allow you to deliver for them if you only have a personal plan.

“That’s why I highly recommend you get additional coverage to protect yourself and your vehicle as you deliver, whether you’re part-time or full-time.

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