DoorDash Car Insurance: A Complete Guide (2024)
Explore the top DoorDash car insurance options with trusted providers such as GEICO, Progressive, and State Farm. Compare quotes effortlessly and select the ideal coverage to ensure your peace of mind while driving. Safeguard your journey and drive with confidence with reliable insurance protection tailored to your needs.
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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: Jun 30, 2023
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.
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: Jun 30, 2023
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.
On This Page
Welcome to our comprehensive guide on DoorDash car insurance. If you’re a DoorDash delivery driver, it’s crucial to have the right insurance coverage to protect yourself on the road. In this article, we’ll discuss the best insurance providers for DoorDash drivers, including GEICO, Progressive, and State Farm. We’ll delve into topics such as liability coverage, rideshare insurance, and commercial auto insurance.
- Your personal car insurance policy will not cover you while you’re driving on the clock for DoorDash
- Some of the best insurance companies for DoorDash delivery drivers are Geico, Progressive, and State Farm
- DoorDash offers liability car insurance as well as health insurance
We’ll also touch upon important aspects like insurance rates and the availability of health insurance options. Don’t miss out on finding the perfect insurance policy for your DoorDash driving needs. Enter your zip code now to compare rates from top insurance providers and make an informed decision that ensures your safety and financial security while on the job.
Looking for the best DoorDash insurance companies? Enter your ZIP code to get free DoorDash insurance quotes.
What are the best companies that offer car insurance for DoorDash drivers?
When it comes to finding the best DoorDash auto insurance policies, one of the most important things to consider is what company to buy insurance from.
Although there are many companies that offer car insurance to delivery drivers, Geico, Progressive, and State Farm are some of the best companies that offer policies with high coverage and affordable rates.
Geico
When it comes to finding affordable high-coverage car insurance, Geico is one of the best for delivery drivers. Geico offers a hybrid insurance policy that replaces your personal car insurance. With this option, you won’t have to worry about adding coverage to your existing policy.
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.
Progressive
Progressive offers rideshare insurance that you can add to a personal car insurance policy. Although rideshare coverage is typically only for people who drive with passengers, Progressive’s rideshare insurance option covers food delivery drivers as well.
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 offers some of the most affordable rideshare insurance for delivery drivers. However, if you are only delivering food and you don’t have any passengers, the option to add a “business use” notation to your personal car insurance policy is available.
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.
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How much are DoorDash insurance rates?
Auto insurance rates for delivery drivers vary depending on factors such as the auto insurance company you choose, your driving history, and the type of policy you buy.
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.
How do I 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.
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Case Studies: DoorDash Car Insurance
Case Study 1: John’s Accident Coverage
John, a DoorDash driver based in a bustling city, was involved in an accident while delivering an order. Due to the nature of his work, John relied heavily on his car and needed to get back on the road quickly. Fortunately, John had opted for DoorDash’s car insurance policy.
He promptly reported the incident and DoorDash’s insurance provider covered the repairs to his vehicle, allowing him to resume his delivery services within a short period.
Case Study 2: Maria’s Comprehensive Protection
Maria had been working as a DoorDash driver for several months without any major incidents until she faced a significant challenge. One evening, her car was vandalized while parked outside a restaurant during a delivery. The damages were extensive, and Maria was worried about the financial burden it would impose.
However, thanks to DoorDash’s comprehensive insurance coverage, Maria was relieved to find out that the repairs and the replacement of her stolen belongings were covered by the policy, enabling her to continue her delivery work without incurring significant expenses.
Case Study 3: Ahmad’s Medical Expenses
Ahmad, a DoorDash driver who primarily worked during weekends, unfortunately, had a car accident while delivering an order. The accident resulted in injuries that required immediate medical attention. Ahmad was concerned about the medical expenses he would have to bear. Fortunately, DoorDash’s car insurance policy included coverage for medical costs related to accidents during work.
Ahmad received the necessary medical treatment without worrying about the financial burden, allowing him to focus on his recovery and return to driving for DoorDash when he was ready.
Case Study 4: Sarah’s Uninsured Motorist Incident
Sarah, a DoorDash driver with a steady delivery route, was involved in a collision caused by an uninsured motorist. She was worried that she might have to bear the expenses herself. However, DoorDash’s car insurance policy offered uninsured motorist coverage, which protected Sarah in such situations.
The policy covered the damages to her vehicle and any medical expenses resulting from the accident. Sarah was grateful for the additional protection provided by DoorDash’s insurance, allowing her to continue working without the financial strain of an uninsured motorist incident.
What’s the bottom line on buying car insurance as a DoorDash driver?
If you are a DoorDash delivery driver, you will need to purchase delivery driver insurance since your personal auto insurance policy will not cover you while you are making 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 overage 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.
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.
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.
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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.