Best Insurance for DoorDash Drivers (2022)

Although DoorDash provides basic liability car insurance, comparing different companies and policies can help you find the best coverage including DoorDash insurance. GEICO, Progressive, and State Farm are some of the best car insurance companies for DoorDash delivery drivers, and some of the most common DoorDash insurance options available are commercial auto insurance and rideshare insurance. DoorDash insurance rates vary by policy, but rideshare insurance usually raises your rates by 15%-20%.

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UPDATED: Jun 23, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 23, 2022Fact Checked

The Rundown

  • 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

Having reliable auto insurance is very important, particularly when your job requires you to drive your vehicle frequently.

DoorDash offers basic liability car insurance for delivery drivers, but comparing different car insurance companies can help you find a policy that will give you more coverage and protect you whether you’re driving on the clock or on personal time.

So what are the best companies that offer affordable DoorDash insurance? And are there any DoorDash insurance health policies available?

In this article, we’ll go through everything you need to know before you buy DoorDash insurance.

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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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.

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.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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