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Doordash Auto Insurance (Rates & Requirements)

Things to Remember

  • DoorDash offers additional coverage to those with their own personal policies.
  • Coverage for DoorDash can cover $1,000,000 in bodily injury and property damage.
  • Average rates for business auto insurance policies are around $300 per month.

Food delivery companies like DoorDash, Postmates, and UberEats are a great way to make some extra money. However, delivering food means you will be on the road more frequently. This means you’ll want to find cheap auto insurance that covers delivery driving.

The good news is that there are options for those looking for DoorDash auto insurance. In fact, DoorDash offers its own additional auto insurance program, which we will discuss later in the article.

Affordable Doordash auto insurance, as well as other policies, can be easily found. Read on for all the information you will need, then compare rates using our comparison tool.

Table of Contents

What type of coverage does DoorDash offer?

Auto insurance from DoorDash comes in the form of an additional commercial auto insurance policy that can be added to your current policy. If you are involved in an accident while delivering for DoorDash, their policy will cover $1,000,000 in bodily injury and property damage.

It’s worth noting that DoorDash’s auto insurance coverage only covers damages to a third party caused by one of their drivers. This means you won’t have to pay for damages you caused out of pocket.

When planning to buy Doordash car insurance, it’s important to know DoorDash’s coverage only pays for any excess not covered by your personal policy. This means you won’t be covered if you don’t already have a personal policy.

While DoorDash does offer additional coverage, you may find it more beneficial to try other options of food delivery auto insure, which we discuss in the section below.

DoorDash doesn’t provide its Doordash auto insurance rates online. The best way to receive Doordash auto insurance quotes would be to contact them directly.

What is food delivery auto insurance?

Food delivery auto insurance is necessary for anyone planning on delivering food as a source of income. It can be confusing, as you might be left wondering if your normal auto insurance policy will cover making deliveries. You will need additional insurance to cover yourself while making deliveries.

It can be a pain to pay for additional coverage, especially since many delivery drivers are young. Young drivers often pay more in rates, which is explained in this piece by III.

All this being said, there are plenty of different options when it comes to food delivery auto insurance, including commercial auto coverage and business-use coverage.

Commercial Auto Insurance

Commercial auto insurance is a type of coverage used by many business-owners that own vehicles for their businesses. These types of policies are most often utilized for vehicles that are mainly used for business.

Commercial auto insurance rates can be quite expensive and most people would rather add additional coverage to their existing policy. Many top auto insurance companies offer commercial auto insurance options, including Progressive, Liberty Mutual, Travelers, USAA, and more.

Business-Use Coverage

Many food delivery drivers find it makes more financial sense to invest in a business-use coverage add-on to their existing policy. This type of coverage only applies to those who use their automobile for business purposes on a limited basis.

Business auto insurance is all that you would need in most cases and could save a lot more than investing in a commercial policy. That being said, it is important to consider what options each company offers with its commercial vs. business insurance policies. In some cases, investing in a commercial policy may give you more peace of mind.

How much does food delivery auto insurance cost?

Depending on which company you are purchasing auto insurance from, business insurance policies can be around $300 per month. There are many ways that companies determine rates, including your commute and the type of vehicle you drive.

While an extra $300 per month seems like a brutal extra expense, there are many ways to save money on these rates, which we cover in the section below.

What are some ways to save on auto insurance?

Paying for extra auto insurance can be a pain, so it’s a good idea to look for any discounts that might be offered by your auto insurance company. In the chart below, you can see common discounts offered by top companies.

Common Auto Insurance Discounts Offered by Insurance Companies

Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hyrbid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer

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Based on the company you go with, you might find lower rates for DoorDash auto insurance.

What’s the bottom line?

If you are driving for DoorDash, then it is important to have the right auto insurance coverage. While the company offers their own additional coverage that can be added to a policy, some find it more beneficial to purchase commercial auto insurance or a business-use add-on.

A good first step is to determine your exact needs, then start researching auto insurance companies.

Hopefully, this piece has answered all your questions about DoorDash auto insurance. Now, compare rates from top companies by using our comparison tool below.


  1. https://www.iii.org/fact-statistic/facts-statistics-teen-drivers

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