How can I get DoorDash insurance?

Food delivery apps like DoorDash and GrubHub were popular when they first came out, but they exploded with the onset of the COVID-19 pandemic.

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Since those early months of COVID, there are more food delivery drivers working for apps on the road than ever. Whether you drive for DoorDash as a full-time job or a side hustle, you’ll need special delivery driver insurance.

While you’ll be eligible for DoorDash car insurance, the company-provided plan might not cover every situation. You can fill in the gaps in your DoorDash auto insurance with a supplemental policy of your own.

If you need DoorDash insurance, the best thing you can do to find the best price is compare multiple companies. Enter your ZIP code into our free tool to see what rates might look like for you.

Do you need special insurance for DoorDash?

There are two traditional types of car insurance you can buy: personal and commercial.

Personal insurance is the kind you need on the car you use to get to work or school, go grocery shopping, and run other errands. Commercial insurance covers a driver while they are using their personal car for business.

Commercial insurance covers a variety of business owners and workers. From pizza delivery drivers to fleet owners with hundreds of vehicles, commercial insurance protects a variety of business needs.

With the rising popularity of food delivery driving apps, many insurance companies are offering an add-on for DoorDash drivers. Rather than having to buy an entire commercial policy, a business-use add-on grants you the same coverage at a much lower price.

Do you have to tell your insurance company you use your car for work?

Are you wondering whether or not you need to tell your insurance that you drive for DoorDash? Yes, you absolutely do. If you’re in an accident and your insurance company finds out you were working, your claim might be denied.

Insurance companies don’t treat business and personal use differently just because they want to sell you more coverage. Delivery drivers have one of the most dangerous jobs in America, mainly because they spend so much time on the road.

The more time you spend driving, the more likely you will be involved in an accident. Insurance companies also base the price of your insurance on how many miles you drive. If you don’t disclose how much you actually drive, it might be considered insurance fraud.

Consider this: you get into an accident while you’re on a delivery, but you only have personal insurance on your car. You cause $30,000 of property damage and another $10,000 in medical bills. Your claim will be denied since you only have personal insurance, leaving you on the hook for $40,000.

Does DoorDash offer auto insurance?

DoorDash offers liability coverage to its drivers while you’re actively driving. If you’re confused about DoorDash insurance requirements, you’re not alone.

When you have food in your car, DoorDash gives you liability coverage. DoorDash coverage starts when you pick an order up and ends when the delivery is complete.

There are significant gaps in DoorDash’s delivery insurance, however. When you turn the app on and make yourself available, your personal insurance no longer covers you. When there’s no food in your car, DoorDash doesn’t cover you.

If you’re in an accident while you’re driving to pick up a delivery, you’ll be completely uncovered if you don’t have commercial insurance or a business-use add-on.

Another thing to keep in mind is that DoorDash only offers liability. Liability only covers damage you cause to other property and people. Any damage to your car will be your responsibility to pay for.

There are a variety of insurance products that can protect your car from bumper to bumper. The two main types are comprehensive and collision. You can purchase both with a commercial coverage plan. If you elect a business-use add-on, it generally applies the same coverage you have for your personal policy.

How much does DoorDash insurance coverage cost?

Before purchasing car insurance for DoorDash, you should pick what type of insurance you want. A commercial plan will be more exhaustive in its coverage but also more expensive. A rideshare or business-use add-on costs less but isn’t available with every company.

First, consider the price of commercial insurance. Rates vary wildly based on the type of vehicle you want to insure. For example, insuring a semi-truck costs an average of $10,000 a year.

As a DoorDash driver, you’ll need a commercial plan for a single vehicle. The good news is that it’s much cheaper than insuring a semi. Drivers typically pay around $1,500 a year for a commercial plan. That’s only an average of $125 a month.

However, it gets pricy when you remember that you also need a personal insurance plan. Even if you go with your state’s minimum requirement, you’ll be looking at a bill of at least $200 a month.

This is why so many DoorDash drivers elect to get a business-use add-on for their food delivery insurance needs.

Who sells rideshare insurance for delivery drivers?

If adding a rideshare or business-use add-on to your personal insurance sounds appealing, you’ll need to do some research. First, you’ll need to find companies that offer a rideshare add-on. Below are a few of the best-rated rideshare providers.

• Geico
• Allstate
• State Farm
• USAA
• Progressive
• Farmers
• Travelers
• Mercury

However, these companies don’t sell rideshare insurance in every state. Consider the table below to get an idea of where each company offers rideshare insurance and how much it will cost you.

As you can see, getting a rideshare add-on for your policy can save you a lot of money. As long as it’s sold in your state, you should consider protecting your vehicle with this coverage.

Read more: What does it mean when a policy is ‘fully paid up?’

Find the Best DoorDash Insurance Today

From courier insurance to delivery driver coverage, companies are developing creative ways to get today’s drivers the coverage they need. If you deliver for DoorDash and you want more than the basic liability coverage they offer, a commercial plan or rideshare add-on can work for you.

If you’re ready to see DoorDash insurance rates, comparing quotes from multiple companies will help you find the cheapest coverage. Enter your ZIP code into our free tool to see what rates might look like for you.

Read more: Cheap Rideshare Insurance