Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 28, 2021

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The Lowdown

  • Some of the best car insurance companies for delivery drivers are Erie Insurance, State Farm, USAA, and GEICO
  • In some cases, you may not need to buy rideshare coverage if you’re not driving any passengers
  • On average, commercial insurance for delivery drivers rates are $142 a month

Finding a auto insurance company that covers your needs as a delivery driver is important.

Whether you’re buying auto insurance for pizza delivery or for delivering goods like packages or groceries, having auto insurance from a reputable company is essential in making sure you are properly covered while working.

So why do you need delivery driver insurance? And what are auto insurance companies that cover delivery drivers rates?

Keep reading for all the information you need on finding the best delivery driver insurance.

Looking for affordable auto insurance companies that cover delivery drivers? Enter your ZIP code above to get free quotes from the best companies in your area.

Which auto insurance companies offer the best delivery driver auto insurance?

Although a lot of auto insurance companies offer great rates and flexible coverage options, there are some auto insurance companies that don’t cover delivery drivers.

Here are some of the best and most affordable companies that do offer delivery driver insurance.

Erie Insurance

Erie Insurance is one of the best companies for delivery drivers due to the affordable rideshare coverage the company offers. However, you won’t typically need to buy rideshare insurance if you’re not driving any passengers.

Instead, you can add a “business use” notation onto your personal auto insurance policy.

Typically, you won’t need commercial vehicle insurance if you drive a company car. This makes Erie Insurance a good option for individuals who want to customize their personal policy instead of buying a new one.

State Farm

Similar to Erie Insurance, State Farm also offers rideshare coverage with another option to simply add a “business use” designation to your own personal auto insurance policy if you are not driving any passengers.

Adding State Farm rideshare coverage to your policy can increase your insurance rates by 15%-20%, but the cost will depend on a number of factors unique to you and your policy.

USAA

USAA also offers rideshare insurance with gap coverage available as an add-on.

Gap coverage helps to cover you during the period when you’re waiting for a delivery request.

Although rideshare gap coverage rates vary by policy, USAA offers this coverage for as low as $6 a month added onto your current rates, making it a very affordable option with high amounts of coverage.

GEICO

GEICO offers a unique hybrid insurance option that allows you to be able to have coverage whether you’re on the clock or driving for personal reasons.

It replaces your personal auto insurance policy instead of adding coverage, which makes it a flexible option that provides high coverage.

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How much does delivery driver auto insurance cost?

Your auto insurance may be covered by your company, but if it isn’t, your rates will vary depending on many factors including the type of policy you buy.

Another factor is the vehicle type you will be using. Some sample rates for different vehicle types can be viewed below.

Average Commercial Auto Insurance Costs by Vehicle Type
Car TypeMinimum Annual Commercial Auto Insurance RatesMaximum Annual Commercial Auto Insurance Rates
Cab$5,000$10,000
Car$600$2,400
Cargo/Delivery Van$3,300$6,200
Limo$4,000$6,000
Semi$8,000$12,500

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With rideshare insurance, you can expect your monthly insurance rates to go up by 15%-20%.

However, the average monthly rates for commercial auto insurance are $142.

Ready to buy delivery driver insurance? Enter your ZIP code below to get free auto insurance companies that cover delivery drivers quotes.