If you’re a driver for one on the many food delivery, grocery delivery, or package delivery apps like DoorDash, Uber Eats, Instacart, Spark Driver, Amazon Flex, Curri, or one of the many others. You will need a rideshare insurance policy on top of your personal insurance. Below we will go over the top four insurance companies for app-based delivery drivers.
Allstate
Allstate’s rideshare insurance coverage is called Allstate Ride for Hire®, and it covers drivers during the gap in time where they have not yet accepted a delivery. 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.
Progressive
Progressive offers customers rideshare insurance as an add-on to your personal car insurance plan. This insurance is required if you deliver for a company or for Uber and Lyft.
States This Coverage Is Not Available In
- Alaska
- California
- Connecticut
- Delaware
- Flordia
- Hawaii
- Kansas
- Nevada
- New Jersey
- New York
- Vermont
State Farm
State Farm offers rideshare insurance for delivery app-based drivers. This add on will add 15% to 20% to your car insurance premium.
USAA
USAA offers rideshare gap insurance coverage for delivering food or passengers. Adding this coverage to your plan is as simple as asking your agent or doing it online.
States This Coverage Is Not Available In
- Hawaii
- Michigan
- Montana
- New Mexico
- New York
- North Carolina
- South Carolina
- Virginia
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. For if you get into an accident without additional delivery insurance, you risk your claim being denied. So, you would be stuck paying for damages out of your own pocket. Also, some companies may not allow you to deliver for them if you only have a personal car insurance plan.
Thats why we highly recommend you get additional coverage to protect yourself and your vehicle as you deliver whether your part time or full time.
