Best Auto Insurance for Shipt Drivers in 2025 (Find the Top 10 Companies Here)
If you're a Shipt driver, the best auto insurance options are State Farm, Geico, and Farmers. State Farm costs around $142/month, Geico is at $128/month, and Farmers is about $155/month. These providers offer great coverage and flexible policies that fit the needs of delivery drivers, making them top picks for the job.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Feb 25, 2025
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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: Feb 25, 2025
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.
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3,072 reviewsShipt drivers get the best auto insurance from Geico, State Farm, and Farmers. Geico has the cheapest rates at $128/month, while State Farm offers a good mix of price and coverage at $142/month. Farmers, at $155/month, provide flexible policy options. Geico is the best pick for its budget-friendly rates and solid protection.
Finding the right auto insurance as a Shipt driver isn’t just about meeting state requirements—it’s about protecting yourself while making deliveries. Not all policies cover gig work, so choosing the right provider can save you from unexpected costs. We’ve rounded up the top 10 auto insurance options that offer solid protection for delivery drivers like you.
Our Top 10 Company Picks: Best Auto Insurance for Shipt Drivers
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Rates | State Farm |
 | #2 | 25% | A++ | Flexible Policies | Geico |
 | #3 | 20% | A | Custom Options | Farmers |
 | #4 | 10% | A+ | Affordable Plans | Progressive |
 | #5 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #6 | 20% | A+ | Affordable Bundles | Nationwide |
 | #7 | 25% | A | Policy Flexibility | Liberty Mutual |
 | #8 | 25% | A | Tailored Discounts | American Family |
 | #9 | 13% | A++ | Broad Coverage | Travelers |
 | #10 | 25% | A+ | Local Support | Erie |
The right auto insurance gives you peace of mind while making deliveries for Shipt. These top picks offer the coverage you need, whether it’s for everyday driving or gig work. Compare your options and find the best fit for your budget and needs!
Find the best auto insurance company near you by entering your ZIP code into our free quote tool above.
- Not all policies cover gig work—choose insurers that protect Shipt drivers
- Look for coverage that includes delivery driving to avoid potential claim denials
- State Farm offers top-tier protection with policies tailored for gig drivers
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#1 –State Farm: Best Overall for Shipt Drivers
Pros
- Covers You While Delivering: State Farm’s policies protect Shipt drivers on the job.
- Hassle-Free Claims: A quick and smooth process keeps you moving after an accident.
- Helpful Local Agents: Easy access to real people who understand Shipt drivers’ needs.
Cons
- Higher Premiums for Delivery Drivers: Rates may be higher than competitors, especially for gig workers.
- Limited New Customer Discounts: Shipt drivers may find fewer initial savings than other insurers.
#2 – Geico: Best for Affordable Rates
Pros
- Great for Budget-Conscious Drivers: Geico keeps costs low, making it a solid choice for Shipt drivers who want to save on insurance.
- Quick and Easy Online Process: Get a quote, adjust your policy, and file claims online—all without the hassle of visiting an office.
- Extra Coverage for Delivery Drivers: Geico’s rideshare add-on helps protect Shipt drivers while working, filling gaps in standard policies.
Cons
- Not Many Local Agents: If you like face-to-face service, Geico’s online-first approach might not be ideal.
- Basic Policies May Not Cover Deliveries: A standard policy might leave Shipt drivers unprotected on the job without adding extra coverage.
#3 – Farmers: Best for Rideshare and Delivery Coverage
Pros
- Built for Delivery Drivers: Farmers offer coverage protecting Shipt drivers while working.
- Flexible Add-Ons: Customize your policy with extras like roadside assistance or accident forgiveness.
- Easy Access to Real Agents: Need help? Farmers have agents who can answer questions and guide you through claims.
Cons
- Can Be More Expensive: Premiums for delivery-friendly coverage may be higher than those of budget insurers.
- Availability Varies by State: Some Shipt drivers may not have access to all coverage options depending on where they live.
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#4 – Progressive: Best for Customizable Policies
Pros
- Flexible Coverage for Shipt Drivers: Progressive offers add-ons that help protect you while making deliveries.
- Name Your Price Tool: Easily find a policy that fits your budget without overpaying.
- Snapshot Rewards Safe Drivers: Drive carefully and save money with Progressive’s usage-based discount.
Cons
- Rideshare Coverage Not in Every State: Some Shipt drivers may not have access to delivery-friendly policies.
- Rates Can Be High for Some Drivers: Prices may be steeper for those with past accidents or violations.
#5 – Allstate: Best for Strong Claims Support
Pros
- Solid Protection for Shipt Drivers: Allstate offers coverage options that help keep you protected while making deliveries.
- Quick and Reliable Claims Process: Their 24/7 claims service makes it easy to get back on the road fast.
- Safe Driving Discounts: Shipt drivers with good driving habits can save money through Allstate’s discount programs.
Cons
- Premiums Can Be Pricey: Allstate’s rates are higher than those of some budget-friendly competitors.
- Rideshare Coverage Not Always Included: You may need to add extra coverage to be fully protected while delivering.
#6 – Nationwide: Best for Consistent Discounts
Pros
- Reliable Coverage for Shipt Drivers: Nationwide offers policies that help protect you while making deliveries.
- Plenty of Ways to Save: Get discounts for safe driving, bundling, and staying loyal.
- Deductible Shrinks Over Time: Safe drivers can lower their deductible the longer they go without an accident.
Cons
- Rideshare Coverage Not in Every State: Some Shipt drivers may not have access to full delivery protection.
- Premiums Can Be Higher: Rates may be on the pricier side compared to budget-focused insurers.
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#7 – Liberty Mutual: Best for Flexible Coverage Options
Pros
- Customizable Coverage for Shipt Drivers: Adjust your policy to protect you while delivering.
- Plenty of Discounts: Save with options like safe driver rewards and family plan discounts.
- Accident Forgiveness Perk: Your rate won’t increase automatically after your first accident.
Cons
- Rideshare Coverage Isn’t Standard: You may need to add extra protection to cover Shipt deliveries.
- Rates Can Be Pricey: Premiums might be higher than some budget insurers, especially without discounts.
#8 – American Family: Best for Personalized Service
Pros
- Covers You on the Job: American Family offers policies that help protect Shipt drivers while delivering.
- Friendly, Local Support:Agents provide one-on-one help, making insurance easier to understand.
- There are lots of Ways to save. Discounts for safe driving, bundling, and low mileage can help lower costs.
Cons
- Not Available Everywhere: Some Shipt drivers may not have access to coverage in their state.
- Delivery Coverage May Cost Extra: You might need to add rideshare insurance for full protection.
#9 – Travelers: Best for Comprehensive Coverage
Pros
- Strong Coverage for Shipt Drivers: Policies can be adjusted to help protect you while delivering.
- Significant Savings for Safe Drivers: Discounts reward Shipt drivers with clean records and good habits.
- Plenty of Customization Options: Add extras like roadside assistance or accident forgiveness.
Cons
- Limited Rideshare Coverage: Some Shipt drivers may need additional coverage for full protection.
- Higher Rates for Some Drivers: Premiums can be expensive, especially without discounts.
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#10 – Erie: Best for Competitive Rates and Customer Satisfaction
Pros
- Reliable Protection for Shipt Drivers: Erie offers coverage that keeps you insured while delivering.
- Helpful Customer Support: Agents are easy to reach, and claims are processed without hassle.
- No Surprise Rate Hikes: Your premium stays the same unless you change your insurance policy.
Cons
- Limited Availability: Erie isn’t available in every state, so some Shipt drivers won’t have access.
- Extra Cost for Delivery Coverage: You may need to add rideshare insurance to stay fully covered.
Shipt Drivers Insurance Rates by Coverage Level
Finding the right auto insurance as a Shipt driver means balancing cost and coverage. Below, we break down monthly insurance rates by provider and coverage level to help you make an informed choice.
Shipt Drivers Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $62 | $168 |
| $56 | $160 |
| $49 | $138 |
| $58 | $156 |
| $52 | $140 |
| $65 | $176 |
| $54 | $152 |
| $50 | $145 |
| $48 | $134 |
| $53 | $149 |
Auto insurance rates can vary, but finding the best balance of affordability and protection is key. Compare your options and choose a policy that keeps you covered while on the road.
State Farm, boasting an impressive 95% customer satisfaction rating, sets the benchmark for unmatched reliability and excellence in insurance.
Chris Abrams Licensed Insurance Agent
Best Auto Insurance Discounts for Shipt Drivers
As a Shipt driver, your car is your livelihood, so finding the best auto insurance discounts can make a big difference. Many top providers offer special savings tailored for gig workers like you. Let’s explore the best deals to help you save on coverage without cutting corners.
Auto Insurance Discounts From the Top Providers for Shipt Drivers
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft, New Car, Early Signing, Responsible Payer, Smart Student, Drivewise Usage-Based Program, Vehicle Safety, eSmart Paperless |
| Multi-Policy, KnowYourDrive Usage-Based, Loyalty, Safe Vehicle, Generational (Legacy), Teen Safe Driver, Early Bird, Accident-Free, Low Mileage, AutoPay |
| Multi-Policy, Safe Driver, Young Driver, Car Safety Features, Reduced Usage, First Accident Forgiveness, Annual Payment, College Student, Vehicle Age |
| Multi-Policy, Good Student, Homeownership, Alternative Fuel, Signal Usage-Based Program, Mature Driver, Business Professional, Shared Family Car, Paperless Billing |
| Good Driver, Multi-Policy, Emergency Deployment, Vehicle Equipment, Seat Belt Use, Military, Federal Employee, New Vehicle, Good Student, Driver's Education |
| Multi-Policy, Accident-Free, Vehicle Safety, Early Shopper, RightTrack Usage-Based Program, Good Student, Military, Paperless Billing, Alternative Energy Vehicle |
| SmartRide Usage-Based, Multi-Policy, Paperless Billing, Safe Driver, Anti-Theft, Accident-Free, Passive Restraint, Family Plan, New Vehicle, Long-Term Policyholder |
| Multi-Policy, Snapshot Usage-Based, Continuous Insurance, Teen Driver, Homeowner, Safe Driver, Pay-in-Full, Online Quote, Automatic Payment, Distant Student |
| Multi-policy, Safe Driver, Accident-Free, Defensive Driving, Good Student, Vehicle Safety, Passive Restraint, Anti-Theft, Drive Safe & Save Usage-Based Program |
| IntelliDrive Usage-Based, Multi-Policy, Early Quote, Good Payer, Homeownership, Hybrid/Electric Vehicle, Continuous Coverage, Safe Driver, Driver Training, EFT Discount |
Getting the right coverage at the best price is key to keeping your Shipt business running smoothly. Take advantage of these discounts and drive confidently, knowing you’re covered for less.
Keeping your car covered without overpaying is a win for any Shipt driver. These discounts can help you save while staying protected on the road. Don’t wait—check out your options, lock in a great deal, and deliver confidently. A little savings on insurance means more money in your pocket for what really matters!
Enter your ZIP code below to compare auto insurance rates.
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Comparing Auto Insurance Premiums for Shipt Drivers
Auto insurance companies’ costs can add up fast for Shipt drivers, but how much are most actually paying? This report breaks down premium rates to help you see where you stand and find potential savings.
Shipt Drivers Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Coverage Options Available | A | Variety of options tailored for gig work |
| Flexibility of Policy | B+ | Flexible coverage based on driving hours |
| Customer Support | B | Decent customer service from insurers |
| Insurance Rates for Shipt Drivers | B | Rates are higher due to gig work |
| State-Specific Variability | B | Premiums vary by state and laws |
| Affordability | C | Insurance is more expensive for gig drivers |
| Claims Process | C | Some delays and challenges in claims |
Knowing how your insurance rates compare can help you spot savings and get the best deal. Take a closer look, explore your options, and make sure you’re not overpaying!
Auto insurance costs can add up fast for Shipt drivers, but how much are most actually paying? State Farm stands out with competitive rates—see how they compare and where you might save.
Try our insurance comparison tool to get the most affordable auto insurance quotes. Enter your ZIP code to start comparing auto insurance rates available in your area.
Frequently Asked Questions
Do Shipt drivers qualify for special auto insurance discounts?
Yes, many insurers offer discounts for gig drivers, including Shipt couriers.
Which company offers the best auto insurance for Shipt drivers?
State Farm is a top pick, offering competitive rates starting at $52/month.
How can I lower my car insurance costs as a Shipt driver?
Look for safe driver discounts, bundle policies, and maintain a clean driving record.
Do I need rideshare insurance as a Shipt driver?
While not always required, rideshare coverage can protect you between deliveries.
What factors affect my insurance rate as a Shipt driver?
Your driving record, location, car type, and coverage level impact your premium.
Does personal auto insurance cover Shipt deliveries?
Most personal policies don’t cover commercial auto insurance use, so check with your provider.
Can I write off my auto insurance as a business expense?
Yes, if you use your car for Shipt, some of your insurance may be tax-deductible.
Will my rates go up if I use my car for Shipt deliveries?
Possibly—some insurers charge more for commercial use, so compare policies carefully.
Use our free comparison tool to see what auto insurance quotes look like in your area.
Are there any mileage-based insurance options for Shipt drivers?
Some insurers offer pay-per-mile insurance plans that can save money if you drive less.
How do I find the best auto insurance discounts for Shipt drivers?
To get the best auto insurance discounts for Shipt drivers, compare quotes from multiple providers and ask about special savings for gig workers.
Enter your ZIP code below to compare auto insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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.