FreshDirect Auto Insurance: Rates & Requirements (2024)
Searching for FreshDirect auto insurance? FreshDirect does not provide its own auto insurance. The company requires state-minimum liability auto insurance coverage for their drivers. However, As a delivery driver, you should carry commercial auto insurance to ensure you are properly protected. The average rates for commercial auto insurance can range between $600 and $2,400 annually for a car. For a delivery van the rates can be as high as $6,200. Learn more.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- FreshDirect does not provide auto insurance for its drivers.
- You will need commercial auto insurance to make sure you are protected as a delivery driver.
- Make sure your liability coverage meets the minimum levels in your state.
If you are driving for FreshDirect, auto insurance is a necessity. Since Fresh Direct doesn’t offer auto insurance to its drivers, it will be up to you to make sure you have the proper coverage.
But what coverage do you need? And how much will it cost? What happens if you are involved in an accident delivering food for FreshDirect?
These are some of the questions we’ll look at so you can make an informed decision and buy commercial auto insurance that will protect you, your vehicle, and others while you are making deliveries.
Being a delivery driver is a great way to makes money to pay off some bills, plan a vacation, or just pick up some extra cash. But it comes with additional responsibilities, including protecting yourself and finding affordable auto insurance.
Before you buy commercial auto insurance it pays to shop around to find the best rates. We can help you find affordable commercial auto insurance rates in your area just by entering your ZIP code above.
How much commercial auto insurance do you need to drive for FreshDirect?
As a delivery driver, commercial auto insurance is going to provide you the best coverage option. While commercial coverage may not be a state requirement, it may be required by your auto insurance company.
If you plan on using your personal vehicle professionally, you need to let your insurance company know. Failure to report such usage can lead to fines and other penalties. In some cases, it may even be considered insurance fraud by the FBI.
You must have auto insurance that meets your state minimum requirements. Here’s a look at the minimum liability coverage levels in each state.
Minimum Liability Auto Insurance Requirements by State
| States | Insurance Required | Minimum Liability Requirements |
|---|---|---|
| Alabama | BI & PD Liab | 25/50/25 |
| Alaska | BI & PD Liab | 50/100/25 |
| Arizona | BI & PD Liab | 15/30/10 |
| Arkansas | BI & PD Liab, PIP | 25/50/25 |
| California | BI & PD Liab | 15/30/5 |
| Colorado | BI & PD Liab | 25/50/15 |
| Connecticut | BI & PD Liab, UM, UIM | 25/50/20 |
| Delaware | BI & PD Liab, PIP | 25/50/10 |
| Florida | PD Liab, PIP | 10/20/10 |
| Georgia | BI & PD Liab | 25/50/25 |
| Hawaii | BI & PD Liab, PIP | 20/40/10 |
| Idahoe | BI & PD Liab | 25/50/15 |
| Illinois | BI & PD Liab, UM, UIM | 25/50/20 |
| Indiana | BI & PD Liab | 25/50/25 |
| Iowa | BI & PD Liab | 20/40/15 |
| Kansas | BI & PD Liab, PIP | 25/50/25 |
| Kentucky | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| Louisiana | BI & PD Liab | 15/30/25 |
| Maine | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| Maryland | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| Massassachusetts | BI & PD Liab, PIP | 20/40/5 |
| Michigan | BI & PD Liab, PIP | 20/40/10 |
| Minnesota | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| Mississippi | BI & PD Liab | 25/50/25 |
| Missouri | BI & PD Liab, UM | 25/50/25 |
| Montana | BI & PD Liab | 25/50/20 |
| Nebraska | BI & PD Liab, UM, UIM | 25/50/25 |
| Nevada | BI & PD Liab | 25/50/20 |
| New Hampshire | FR only | 25/50/25 |
| New Jersey | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| New Mexico | BI & PD Liab | 25/50/10 |
| New York | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| North Carolina | BI & PD Liab, UM, UIM | 30/60/25 |
| North Dakota | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| Ohio | BI & PD Liab | 25/50/25 |
| Oklahoma | BI & PD Liab | 25/50/25 |
| Oregon | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| Pennsylvania | BI & PD Liab, PIP | 15/30/5 |
| Rhode Island | BI & PD Liab | 25/50/25 |
| South Carolina | BI & PD Liab, UM, UIM | 25/50/25 |
| South Dakota | BI & PD Liab, UM, UIM | 25/50/25 |
| Tennessee | BI & PD Liab | 25/50/15 |
| Texas | BI & PD Liab, PIP | 30/60/25 |
| Utah | BI & PD Liab, PIP | 25/65/15 |
| Vermont | BI & PD Liab, UM, UIM | 25/50/10 |
| Virginia | BI & PD Liab, UM, UIM | 25/50/20 |
| Washington | BI & PD Liab | 25/50/10 |
| Wasington D.C. | BI & PD Liab, UM | 25/50/10 |
| West Virginia | BI & PD Liab, UM, UIM | 25/50/25 |
| Wisconsin | BI & PD Liab, UM, Medpay | 25/50/10 |
| Wyoming | BI & PD Liab | 25/50/20 |
Of course, the minimum coverage may not always be enough. Talk to your insurance agent to see what recommendations they have. If you are honest with them, they can ensure that you are properly covered in case you are ever involved in a delivery accident—whether you are at fault or not.
Enter your ZIP code below to compare auto insurance rates.
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How much does FreshDircet delivery driver commercial auto insurance cost?
As with personal auto insurance, commercial auto insurance rates will vary based on a number of reasons. Some of these include:
- Driving history
- Miles driven
- Credit history
- Where you live
Here’s how average commercial auto insurance rates stack up by vehicle type across the U.S.
Monthly Costs for Commercial Auto Insurance by Vehicle & Coverage Type
| Vehicle Type | Minimum Coverage | Full Coverage |
|---|---|---|
| Cab | $417 | $833 |
| Car | $50 | $200 |
| Cargo/Delivery Van | $275 | $517 |
| Limo | $333 | $500 |
| Semi | $667 | $1,042 |
There are ways to save on rates with your commercial auto insurance company. Talk to your auto insurance agent about auto insurance discounts that may be available to you for both your personal and commercial policies.
What happens if you’re involved in an accident delivering food for FreshDirect?
If you are involved in an accident while delivering for FreshDirect, accident victims can sue FreshDirect for your accident. That’s why it’s important to make sure you carry the proper coverage while you are on the road.
Are you ready to get commercial auto insurance quotes from multiple companies near you? Simply use the free tool below to find rates that meet your needs and your budget.
Enter your ZIP code below to compare auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.