Food Delivery Car Insurance: What to Know & How to Save (2022)

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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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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 Leslie Kasperowicz

UPDATED: Jul 19, 2022

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The Highlights

  • If you work as a delivery driver, you may be driving uninsured
  • Personal auto policies typically do 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 auto 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 Want to look into different insurance providers for your food delivery insurance?

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

While delivery jobs may seem like easy money, they actually render a personal car insurance policy 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?

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

So how do you keep personal vehicles covered when you want to do food delivery? The answer is simple; commercial auto coverage.

You may have heard of commercial auto insurance coverage before; usually referring to fleet vehicles. This type of coverage differs from personal auto insurance policies. Even if your personal insurance policy covers your liability,  you could still be held responsible for any auto accident damages while on the job.

Some auto insurance providers may provide insurance for food delivery drivers as additional coverage. However, learning what affordable options are out there may be ideal.

Do You Need a Commercial Auto Insurance Policy to Deliver Food?

The answer is usually yes. If you start driving as a job (whether full-time or as a side hustle) and don’t tell your auto insurance company, you could face a claim denial in the future if you cause an accident. Car insurance companies see business use as a higher risk than personal use, and may add an additional charge to your personal policy; or might not cover damages at all.

Commercial auto insurance policies aren’t only for food delivery. They also provide coverage for any type of work that could fall under business use, like delivering packages and driving customers. The two most common options are rideshare add-ons and full commercial coverage 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 coverage 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.

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What is the best way to get food delivery insurance?

If you are dead set on pursing car delivery driver jobs, 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 coverage that works in your budget.

Are you ready to compare more food delivery car insurance quotes?

Are you looking for free insurance quotes?

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

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