Food Delivery Car Insurance: What to Know & How to Save (2021)

Becoming a delivery driver for a little extra cash means researching food delivery car insurance. Personal car insurance does not extend to cover you while you're using your car for work. This means that you need to purchase a separate commercial policy or add-on to your existing policy to guarantee that you are fully covered while on the clock.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 4, 2021

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The Highlights

  • If you work as a delivery driver, you may be driving uninsured
  • Personal car insurance does not protect you when using your car for work purposes
  • There are several types of commercial car insurance that you can purchase to remain covered while on the job

Everyone loves to earn extra money, and many of the popular car delivery driver jobs seem like a great way to do so. However, there is a big catch to this seemly easy job; food delivery car insurance.

If you are using your everyday car as a pizza car for a few hours every night, you may be driving uninsured. The vast majority of personal car insurance policies do not extend their coverage to using your car for work.

You may be wondering, what about DoorDash car insurance? Pizza Hut insurance? Don’t they keep me covered? In short, no.

If you plan to be a food delivery driver, learn how you can keep yourself insured and see what coverage the best insurance companies offer.

Want to look into different insurance providers for your food delivery insurance? Enter your ZIP code above, and we will help you find food delivery car insurance rates near you.

Why doesn’t personal car insurance cover me when I’m at work?

While delivery jobs may seem like easy money, they actually render most personal car insurance policies useless. The reason? If you are using your car for non-personal tasks, your personal coverage is no longer active.

This means that if you were to get into an accident while working, you would be on the hook for every penny of damages and medical bills. Not your employer. You.

Before you consider taking that risk, after all, you are a great driver, right? Well, consider that in 2016 alone, police recorded over 7 million accidents.

The reality is, getting into an accident while driving is more a matter of when not an if. So why gamble with possible thousands of dollars in car repairs and medical bills?

Instead, what you will need to look into is a commercial car insurance policy.

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What kind of insurance do I need for my delivery driver job?

So how do you keep your personal car covered when you turn it into a pizza car every night for four hours? The answer is simple; commercial car insurance.

You may have heard of commercial car insurance before, usually referring to fleet vehicles. Those are the cars with a company logo painted over the doors.

However, other types of commercial car insurance are better suited to food delivery jobs. The two most common options are rideshare add-ons and full commercial policies.

Is commercial car insurance affordable?

That depends on which type of insurance you are able to get. If you purchase a whole commercial policy separate from your existing personal policy, average rates run anywhere from $60 to $250 per month.

This can sometimes be an unreasonable amount to pay, depending on how much you make working deliveries.

If you can get a rideshare add-on to your personal policy, the cost is much lower. Add-ons are generally less than $20 a month and are just folded into your existing monthly premium.

The only downside to add-ons is that they are not available everywhere. The best way to find out if you can get one is to contact your insurance agent or go online to view your policy.

What is the best way to get food delivery insurance?

If you are dead set on becoming a delivery driver, the best way to make sure you get the best deal on insurance is to shop around.

Check with your personal insurance provider to see if you can bundle or have the option to do an add-on. Then compare car insurance quotes from as many other companies as you can.

The more companies you compare, the better chance you will find affordable food delivery car insurance that works in your budget.

Are you ready to compare more food delivery car insurance quotes? Enter your ZIP code below and we will pull up local rates to help you get started. Always do your research before you buy car insurance.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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