Best Auto Insurance for Walmart Delivery Drivers in 2025 (Top 10 Companies Ranked)
The best auto insurance for Walmart delivery drivers comes from Geico, Allstate, and Liberty Manual, starting at $10/month. Geico offers the lowest rates for business use, Allstate provides accident forgiveness, and Liberty Manual offers flexible coverage. Walmart auto insurance should cover delivery risks.
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Chris Abrams
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Feb 18, 2025
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19,116 reviewsCompany Facts
Full Coverage for Walmart Drivers
A.M. Best Rating
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19,116 reviews
11,413 reviewsCompany Facts
Full Coverage for Walmart Drivers
A.M. Best Rating
Complaint Level
11,413 reviews
3,607 reviewsCompany Facts
Full Coverage for Walmart Drivers
A.M. Best Rating
Complaint Level
3,607 reviewsGeico has the best auto insurance for Walmart delivery drivers, with minimum monthly coverage rates starting at $10. Geico’s hybrid policy covers both personal and delivery use, Progressive’s rideshare endorsement extends coverage during active deliveries, and State Farm offers commercial add-ons for independent contractors needing complete protection
These providers ensure that personal and commercial auto insurance options meet all legal requirements. Considering comparative rates, the Walmart delivery driver will receive the best coverage value.
Our Top 10 Company Picks: Best Auto Insurance for Walmart Delivery Drivers
Insurance Company Rank A.M. Best Bundling Discount Who Qualifies?
#1 A++ 25% General public
#2 A+ 25% General public
#3 A 25% General public
#4 A+ 25% Available in select states
#5 A+ 20% General public
#6 A 20% General public
#7 B 17% General public
#8 A++ 13% General public
#9 A+ 10% General public
#10 A++ 10% Military members & families
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- Geico offers the best rates for Walmart delivery drivers at $45/month
- Business auto insurance is required for Walmart delivery drivers
- Progressive and State Farm offer reliable coverage for delivery drivers
#1 – Geico: Top overall pick
Pros
- Low Premiums: Geico provides the cheapest Walmart delivery insurance and is perfect for price-sensitive drivers.Multi-Policy Discount: Drivers can combine policies with Geico to save much on Walmart delivery insurance.
- Fast Claims Processing: Geico ensures fast claims processing, which helps get drivers back on the road fast. Delve into the specifics in our article called Geico Auto Insurance Review.
Cons
- Limited Commercial Coverage Options: Geico may not provide sufficient commercial insurance coverage for Walmart delivery drivers.
- Strict Eligibility for Discounts: Some discounts are limited to drivers with a perfect record, potentially excluding others.
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#2 – Allstate: Best for Gig Coverage
Pros
- Gig Worker-Specific Coverage: Allstate offers coverage tailored to gig economy workers, making it an excellent fit for Walmart delivery drivers.
- Drivewise Program:
- Wide Range of Discounts: Allstate offers various discounts, including for safe driving and new cars, helping reduce Walmart delivery insurance costs.
Cons
- Relatively High Premiums>: While offering excellent coverage, Allstate’s premiums may be higher than other providers. Enhance your knowledge by reading our Allstate Auto Insurance Review.
- State-Specific Coverage Variability: Coverage options vary by state, so not all Walmart delivery drivers will have access to the same benefits.
#3 – Liberty Mutual: Best for Gig Flexibility
Pros
- Flexible coverage: Liberty Mutual is flexible with the coverage tailored for gig economy workers, providing a right fit for Walmart delivery drivers.
- RightTrack Program: The RightTrack program rewards drivers for safe driving, lowering insurance costs for Walmart delivery drivers. Expand your understanding with our Liberty Mutual Auto Insurance Review.
- Multiple Discounts Available: Liberty Mutual offers various discounts, such as for accident-free records, making it more affordable for Walmart delivery drivers.
Cons
- Expensive for Some Drivers: Liberty Mutual may have higher premiums, especially for drivers with past accidents, making it costlier for specific Walmart delivery drivers.
- Limited availability in some states: Liberty Mutual is unavailable in all states, so some Walmart delivery drivers will not have access to this coverage.
#4 – Erie: Best for Youth Discounts
Pros
- Youth Discounts: Erie offers discounts to young drivers, which makes the insurance affordable for younger Walmart delivery drivers.Wide
- Range of Discounts: Erie offers a variety of discounts, including safe driving and good student discounts, which reduce the cost of Walmart delivery insurance.
- Reliable Claims Support: Erie is known for its prompt claims support, providing efficient assistance to Walmart delivery drivers when needed
Cons
- Limited Availability Nationwide: Erie’s services are unavailable in all states, which may exclude some Walmart delivery drivers. Uncover additional insights in our article called Erie Auto Insurance Review.
- Higher Premiums for New Drivers: New drivers may face higher premiums with Erie, which could increase costs for young Walmart delivery drivers.
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#5 – Nationwide: Best for Comprehensive Add-ons
Pros
- Extensive Add-Ons: Nationwide provides several add-ons, and Walmart delivery drivers can customize their insurance according to their requirements.
- Discounts to Good Drivers: Walmart delivery drivers who maintain clean records may qualify for discounts on insurance from Nationwide.
- SmartRide Program: Nationwide’s SmartRide program rewards safe driving with personalized discounts for Walmart delivery drivers. Find out more by reading our article titled Nationwide Auto Insurance Review.
Cons
- Higher Premiums for New Drivers: Nationwide might charge higher premiums to new drivers, which may be difficult for new Walmart delivery drivers.
- Limited availability in some regions: Nationwide coverage might not be accessible in all states, limiting options for Walmart delivery drivers in some areas.
#6 – Farmers: Best for Specialized Endorsements
Pros
- Specialized Endorsements for Gig Work: Farmers offers endorsements designed for gig economy workers, making it ideal for Walmart delivery drivers.
- Wide Range of Coverage Option: Mature and older drivers can earn special discounts, making it affordable for professional Walmart delivery drivers.
- Wide Range of Coverage Options: Farmers offer a wide range of coverage options, allowing the Walmart delivery driver to tailor their insurance plans. Find out more by reading our Farmers Auto Insurance Review.
Cons
- Higher Premiums for Some Drivers: Farmers may have higher premiums than other providers, which could make it less affordable for budget-conscious Walmart delivery drivers.
- Mixed Customer Service Experiences: Different drivers face inconsistent service from the claims office, which frustrates them when Walmart delivery drivers require swift service.
#7 – State Farm: Best for Cheap Rates
Pros
- Affordable Coverage: State Farm offers highly competitive rates for Walmart delivery insurance, providing a cost-effective option for drivers.
- Accidents-Free Discounts: Discounts are available for drivers whose history is accident-free, resulting in a lowered delivery insurance cost at Walmart.
- Loyalty Rewards: Long-term customers can get loyalty discounts, reducing premiums on Walmart delivery drivers. Explore further in our article titled State Farm Auto Insurance Review.
Cons
- Limited Commercial Options for Gig Drivers: State Farm may not offer the commercial coverage necessary for Walmart delivery drivers who rely on gig work.
- Customer Service Challenges: Some drivers report slow claims handling, which could be frustrating for those who need quick help.
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#8 – Travelers: Best for Customizable Coverage
Pros
- Highly Customizable Coverage: Travelers permit Walmart delivery drivers to customize their policies so they get the coverage that suits them best.
- Continuous Coverage Discount: The lack of any lapses in coverages may further bring down Walmart’s delivery insurance price. For further details, consult our article named Travelers Auto Insurance Review.
- Strong Financial Stability: With an A++ rating, Travelers offers secure and reliable coverage, ensuring peace of mind for Walmart delivery drivers.
Cons
- Younger Drivers Face Higher Premium Charges: Travelers may charge much higher premium levels for younger drivers, thereby unaffordable new Walmart delivery driver insurance.
- Limited Discount Options: Some drivers will not be eligible for many discounts, which would decrease the overall cost-effectiveness for specific Walmart delivery drivers.
#9 – Progressive: Best for Budgeting Tools
Pros
- Advanced Budgeting Tools: Progressive offers budgeting tools to help Walmart delivery drivers manage and control insurance costs. For additional insights, refer to our Progressive Auto Insurance Review.
- Snapshot Program for Safe Drivers: The Snapshot program rewards safe drivers with discounts on Walmart delivery insurance premiums.
- Flexible Payment Plans: Progressive provides flexible payment options, making it easier for Walmart delivery drivers to stay on top of their payments.
Cons
- Higher Costs for High-Risk Drivers: High-risk drivers may see higher premiums with Progressive, making it more expensive for some Walmart delivery drivers.
- Limited Coverage in Rural Areas: Walmart delivery drivers in rural areas may not have access to Progressive’s coverage options.
#10 – USAA: Best for Military Benefits
Pros
- Exclusive Military Discounts: USAA is a good choice for Walmart delivery drivers who are military members since they offer fantastic discounts to military families.
- Highly rated customer service: The USAA always has the finest customer service, which is prompt and efficient while supporting Walmart delivery drivers.Comprehensive Coverage Options: USAA gives various insurance options, ensuring that Walmart delivery drivers are well-covered.
Cons
- Restricted to Military Families: USAA is only available to military families, excluding drivers without military connections. Explore further with our article entitled USAA Auto Insurance Review.
- Fewer Add-Ons: USAA offers fewer optional coverage add-ons, potentially limiting options for Walmart delivery drivers seeking additional protection.
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Walmart Delivery Drivers Auto Insurance Monthly Rates
Walmart delivery drivers can compare monthly insurance rates from top providers to find affordable options for minimum and full coverage. Minimum coverage is designed for essential liability protection, while complete coverage offers additional security with comprehensive and collision insurance.
Walmart Delivery Drivers Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $55 | $145 |
| $46 | $125 |
| $53 | $142 |
| $45 | $120 |
| $58 | $150 |
| $52 | $140 |
| $50 | $135 |
| $48 | $130 |
| $49 | $138 |
| $40 | $110 |
USAA offers the best rates; its minimum coverage is $40 a month, and full coverage is $110, which makes it ideal for eligible military-affiliated drivers. Geico and Erie are also cost-effective, with Geico offering full coverage at $120 per month and Erie at $125 monthly.
A hybrid policy like Geico’s offers Walmart delivery drivers the best value and protection, ensuring seamless coverage for both personal and work-related driving.
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For those drivers who require broader coverage, Liberty Mutual and Allstate offer full coverage starting at $150 and $145 per month, respectively, with options specially designed for delivery work. Through such comparison and analysis of the available rates and coverage, drivers employed by Walmart in delivery can select a policy that provides the best deal between affordability and protection.
Auto Insurance Discounts for Walmart Delivery Drivers
Walmart delivery drivers can get a discount from top auto insurance providers that will cut their premiums. Discounts for these are offered in areas such as safe driving, bundling policies, and vehicle safety features that reduce the insurance.
Auto Insurance Discounts From the Top Providers for Walmart Delivery Drivers
| Insurance Company | Bundling | Good Driver | Low Mileage | Defensive Driving | Membership |
|---|---|---|---|---|---|
| 25% | 25% | 30% | 10% | 10% |
| 25% | 23% | 30% | 20% | 10% |
| 20% | 30% | 10% | 10% | 10% |
| 25% | 26% | 30% | 15% | 8% |
| 25% | 20% | 30% | 10% | 10% |
| 20% | 40% | 20% | 10% | 15% |
| 10% | 30% | 30% | 31% | 15% |
| 17% | 25% | 30% | 15% | 5% |
| 13% | 10% | 20% | 20% | 10% |
| 10% | 30% | 20% | 5% | 25% |
Geico, Progressive, and State Farm are among the top providers offering car insurance discounts. Geico provides savings for safe drivers, new vehicles, and defensive driving courses. Progressive offers discounts through its Snapshot program and multi-car policies. State Farm includes loyalty rewards, accident-free discounts, and young driver programs like Steer Clear.
Walmart Delivery Insurance Coverage Information
| Coverage Option | Description |
|---|---|
| Liability Coverage | Covers third-party damages or injuries |
| Collision Coverage | Pays for delivery vehicle damage in accidents |
| Comprehensive Coverage | Covers non-collision damages like theft or vandalism |
| Uninsured Motorist Coverage | Protects against uninsured drivers' damages |
| Medical Payments Coverage | Pays for driver’s medical expenses post-accident |
| Cargo Insurance | Protects items being delivered |
| Roadside Assistance | Covers breakdowns towing and fuel delivery |
| Rental Reimbursement | Pays for a rental vehicle during repairs |
| Personal Injury Protection | Covers driver’s medical costs and lost wages |
| Occupational Accident Insurance | Covers work-related injuries for contractors |
Usage-based programs, such as Liberty Mutual’s RightTrack, Nationwide’s SmartRide, and Travelers’ IntelliDrive, allow drivers to save by monitoring driving habits. Providers like USAA offer military-specific and loyalty discounts, while Erie caters to younger drivers and annual payers. Walmart delivery drivers can maximize savings by comparing these discounts and selecting policies that align with their driving behavior and needs.
Safety Features for Walmart Delivery Drivers
Advanced safety features such as automatic emergency braking and blind-spot monitoring can make the vehicles much safer for Walmart delivery drivers. Geico and Progressive often offer discounts for these technologies, making them practical and cost-effective.
Backup cameras and parking sensors help delivery drivers avoid accidents in tight spaces. These safety features meet driving tips for road safety standards and can lower insurance premiums with Allstate and State Farm.
Adaptive cruise control and lane-keeping assist enhance highway safety by ensuring smoother and more controlled driving during deliveries. Programs such as Nationwide’s SmartRide reward drivers for using these features with usage-based discounts.
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Key Points to Know About Walmart Delivery Drivers’ Auto Insurance Coverage
Walmart delivery drivers should have auto insurance with additional liability coverage to safeguard against work-related risks. Standard personal auto insurance often excludes accidents or damages during deliveries, so commercial or hybrid policies are better for gig drivers.
Geico and Progressive are some insurance providers offering policies with added liability auto insurance coverage suitable for drivers. This coverage enables them to meet legal standards and avoid out-of-pocket expenses in case of injuries sustained while working.
Safe driving or safety features such as automatic emergency braking and lane-keeping assistance can lower liability coverage. Such programs like Progressive’s Snapshot and Nationwide’s SmartRide reward good habits while bringing in by reducing comprehensive coverage prices with increased liability.
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Frequently Asked Questions
What is the cheapest insurance for delivery drivers?
Geico and Erie offer some of the most affordable insurance options for delivery drivers. However, rates vary by location, driving history, and coverage needs, so comparing multiple providers is essential.
What are the auto insurance requirements for Walmart Spark drivers?
Walmart Spark requires drivers to have personal auto insurance, but this may not cover deliveries. Drivers should consider a commercial policy or a rideshare endorsement to avoid coverage gaps.
Where can I purchase Walmart auto insurance near me?
What is Walmart’s auto insurance phone number?
Walmart does not provide auto insurance, so no dedicated phone number exists. Drivers must obtain coverage from external insurance providers that allow delivery use.
Does Geico offer insurance for delivery drivers?
Yes, Geico provides coverage for delivery drivers through commercial policies or rideshare endorsements. Drivers should confirm with an agent that their policy covers delivery-related activities.
What are Walmart auto insurance reviews?
Walmart partners with Connect by American Family Insurance, receiving mixed reviews. While some praise affordability, others report claims and limited coverage issues, making comparing the average auto insurance cost crucial.
Does Walmart Spark have auto insurance for drivers?
No, Walmart Spark does not offer auto insurance for its drivers. Since they are independent contractors, drivers must secure their coverage for delivery use.
Which insurance companies cover delivery drivers?
Companies like Geico, Progressive, State Farm, and Allstate offer policies or endorsements for delivery drivers. It’s essential to check with each provider to ensure complete coverage for commercial activities.
Find the most affordable auto insurance quotes for the best auto insurance for Walmart delivery drivers by entering your ZIP code into our free comparison tool.
What insurance company in Walmart offers the best car insurance rates?
Walmart teams up with several insurance companies such as Geico, Progressive, and State Farm to provide auto insurance at Walmart, where customers can compare rates. Geico offers cheap options and is among Walmart’s cheap auto insurance companies.
What should I do if my Spark driver insurance is not in my name?
If the vehicle’s insurance is not in your name, Ensure your name is included as an authorized driver on the policy. Additionally, verify with the insurer that the policy provides coverage for deliveries.