The best car insurance companies for delivery drivers are Progressive, Geico, and Allstate, offering unbeatable rates at $48/month and tailored coverage to the needs of different drivers.

These top providers offer flexible, affordable plans. Geico is the most cost-effective, while Progressive and Allstate offer more tailored coverage.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	15%	A+	Flexible Plans	Progressive
	#2	15%	A++	Affordable Rates	Geico
	#3	20%	A+	Multiple Policies	Allstate
	#4	18%	B	Broad Coverage	State Farm
	#5	14%	A++	Customer Service	Auto-Owners
	#6	12%	A+	Custom Options	Nationwide
	#7	14%	A	Personalized Service	Farmers
	#8	18%	A++	Military Families	USAA
	#9	13%	A	Uber Drivers	Liberty Mutual
	#10	16%	A++	Online Tools	Travelers

Progressive provides the most variety of delivery driver insurance plans, while Geico only offers commercial car insurance for delivery drivers.

If you need to find affordable delivery driver insurance rates today, enter your ZIP code into our free quote tool above to find the best policy for you.

What You Should Know

• Delivery driver car insurance rates are affordable at $48/month
• Progressive is the top pick for flexible delivery coverage
• Liberty Mutual is the best fit for Uber delivery driver insurance

#1 – Progressive: Top Overall Pick

Pros

• Tailored Coverage: Progressive offers customizable insurance plans for delivery, rideshare, and courier drivers. Find out more in our Progressive review.
• Flexible Payment Options: Delivery drivers can benefit from various payment plans, making it easier to manage expenses on an unpredictable schedule.
• Discounts for Delivery Drivers: Progressive provides discounts for delivery drivers who use their vehicles for delivery work, helping to lower overall costs.

Cons

• Limited Local Agents: Progressive may not have as many local agents, which can be challenging for delivery drivers who prefer face-to-face assistance.
• Complex Policy Adjustments: The variety of delivery driver car insurance plans can sometimes make it difficult to pick the right coverage.

#2 – Geico: Best for Affordable Rates

Pros

• Lowest Rates: Geico offers some of the most affordable rates, which is great for delivery drivers on a tight budget.
• Special Discounts: Geico discounts are the top ways customers have saved money on car insurance rates.
• 24/7 Claims Service: Delivery drivers can file car insurance claims 24/7 online or through the Geico mobile app.

Cons

• Customer Service Challenges: Some delivery drivers have reported difficulties with customer service, which can be a drawback when resolving issues quickly.
• Limited Delivery Coverage Options: Geico commercial car insurance is the only type of policy available to delivery drivers.

#3 – Allstate: Best for Multiple Policies

Pros

• Multiple Policy Discounts: Delivery drivers can save significantly by bundling car insurance with other types of Allstate insurance.
• Flexible Policy Management: Allstate’s multi-policy options make it easier for delivery drivers to manage various insurance needs under one provider.
• Comprehensive Coverage: Allstate provides customizable rideshare and commercial coverage options for delivery drivers. Explore options in our Allstate review.

Cons

• Potentially Higher Premiums: Allstate delivery driver car insurance might cost more without bundling policies.
• Complex Bundling Process: The process of bundling multiple policies can be over-complicated with Allstate.

#4 – State Farm: Best for Broad Coverage

Pros

• Extensive Coverage Options: State Farm provides a wide range of coverage options, which can be tailored to the needs of delivery drivers.
• Reliable Coverage for High-Mileage Use: State Farm’s broad coverage is beneficial for delivery drivers who put significant miles on their vehicles.
• Additional Services: State Farm provides helpful extras for delivery drivers, like roadside assistance. For a complete list, read our State Farm review.

Cons

• Poor Financial Scores: State Farm’s A.M. Best rating is lower than other delivery driver car insurance companies.
• Complex Policy Details: The extensive coverage options can sometimes make it difficult for delivery drivers to navigate and select the most suitable policy.

#5 – Auto-Owners: Best for Customer Service

Pros

• Excellent Support: Auto-Owners is known for its high-quality customer service, which is beneficial for delivery drivers needing prompt assistance.
• Personalized Assistance: Delivery drivers get customized support for their insurance needs. Learn how in our Auto-Owners insurance review.
• Responsive Claims Processing: Auto-Owners offers efficient claims processing, which is crucial for delivery drivers who rely on their vehicles for work.

Cons

• Limited Coverage Options: Auto-Owners may not have as many specialized delivery driver auto insurance coverage options as other providers.
• Higher Premiums for Enhanced Service: The emphasis on customer service might come with higher premiums, which could be a drawback for delivery drivers on a budget.

#6 – Nationwide: Best for Custom Options

Pros

• Customizable Policies: Nationwide offers a range of customizable coverage options that can be adjusted to fit the needs of delivery drivers.
• Special Discounts: Nationwide's competitive discounts can help lower the cost of delivery driver car insurance rates. Find savings in our Nationwide review.
• Fleet Management: Nationwide car insurance options include perks and add-ons for business owners with delivery drivers.

Cons

• Higher Rates for Customization: Customizing policies might lead to higher premiums, which can be a concern for delivery drivers looking for cost-effective solutions.
• Complex Policy Management: The range of options and adjustments available might make it challenging for delivery drivers to select and manage their policies effectively.

#7 – Farmers: Best for Personalized Service

Pros

• Tailored Insurance Solutions: Farmers offers personalized service that caters to delivery drivers. Learn more in our Farmers review.
• Dedicated Account Managers: Customers benefit from dedicated account managers who understand the unique delivery driver car insurance requirements.
• Flexible Coverage Options: Farmers provides flexible coverage that can be adjusted based on the delivery driver’s needs and driving habits.

Cons

• Higher Costs for Personalized Service: Personalized service might come with higher premiums, which could be a drawback for delivery drivers seeking affordable insurance.
• Limited Availability of Local Agents: In some areas, Farmers might have fewer local agents, which can be inconvenient for delivery drivers who prefer in-person assistance.

#8 – USAA: Best for Military Families

Pros

• Specialized Coverage for Military Families: USAA offers tailored insurance solutions for delivery drivers in military families.
• Exclusive Discounts: Delivery drivers who are part of military families can benefit from exclusive discounts. Get a full list in our USAA review.
• Comprehensive Coverage Options: USAA provides comprehensive coverage that is ideal for military families, including those using their vehicles for delivery work.

Cons

• Eligibility Restrictions: USAA delivery driver car insurance is only available to military families.
• Limited Agents: The company's focus on online management can be frustrating for delivery drivers who prefer in-person support.

#9 – Liberty Mutual: Best for Uber Delivery Drivers

Pros

• Exclusive Uber and Lyft Coverage: Delivery drivers working for Uber or Lyft have access to Liberty Mutual rideshare insurance.
• Extensive Coverage Options: Liberty Mutual offers comprehensive delivery driver insurance with extensive coverage. Read more in our review of Liberty Mutual.
• Additional Protections: Its comprehensive plans can include extra protections for high-risk delivery driver car insurance.

Cons

• Higher Premiums: Liberty Mutual is one of the most expensive delivery driver auto insurance companies on average.
• Complex Policy Choices: The extensive range of options may be overwhelming for delivery drivers seeking straightforward coverage.

#10 – Travelers: Best for Online Tools

Pros

• User-Friendly Online Tools: Travelers offers easy-to-use online tools that simplify policy management for delivery drivers.
• Quick Quote Comparisons: Delivery drivers can quickly compare quotes and coverage options using Travelers’ online tools, which you can check out in our Travelers review.
• Efficient Claims Processing: Online tools streamline the claims process, making it easier for delivery drivers to file and track claims.

Cons

• Limited Personal Assistance: The focus on online tools might mean less agent availability, which could be a drawback for delivery drivers who prefer direct interaction.
• Potential for Online Navigation Issues: Delivery drivers who are less tech-savvy might find it challenging to navigate the online tools effectively.

Comparing Delivery Driver Car Insurance Rates by Company

Why is car insurance so expensive? Delivery driver auto insurance costs more since you are using your vehicle for more than personal use.

When comparing car insurance rates for delivery drivers, Geico offers the most affordable option with minimum coverage at $48 and full coverage at $115. USAA and Auto-Owners are also budget-friendly, with rates at $49 and $50 for minimum coverage, respectively.

Insurance Company	Minimum Coverage	Full Coverage
	$58	$130
	$50	$120
	$56	$128
	$48	$115
	$57	$132
	$52	$122
	$55	$125
	$60	$135
	$53	$123
	$49	$118

On the higher end, State Farm charges $60 for minimum coverage and $135 for full coverage, while Liberty Mutual is close at $57 for minimum and $132 for full coverage.

Smart Strategies to Cut Car Insurance Costs for Delivery Drivers

To reduce car insurance costs as a delivery driver, compare quotes from providers like Progressive, Geico, and Allstate. Many companies offer car insurance calculators on their websites, or you can easily start comparing delivery driver car insurance quotes with our our free quote tool above.

Drivers can also use discounts for safe driving, bundles, and delivery-specific options for lower rates. Providers like Allstate and Progressive offer multi-policy, safe driver, and delivery discounts.

Insurance Company	Available Discount
	Multi-Policy, Safe Driver, Payment Discounts, Loyalty
	Multi-Policy, Safe Driver, Delivery Discount, Signal
	Multi-Policy, Safe Driver, Delivery Discount, Pay-in-Full
	Multi-Policy, Safe Driver, New Car, RightTrack
	Multi-Policy, Safe Driver, Delivery Discount, SmartRide
	Multi-Policy, Safe Driver, Delivery Discount, Snapshot
	Multi-Policy, Safe Driver, Good Student, Drive Safe & Save
	Multi-Policy, Safe Driver, Delivery Discount, IntelliDrive
	Multi-Policy, Safe Driver, Military, Low Mileage

Geico and Farmers also provide savings through various programs, including payment and loyalty discounts.

Maintaining a clean driving record can also help lower delivery driver car insurance costs. Increasing your deductible can lower your premium, but be ready for higher out-of-pocket expenses if you file a claim.

How to Find the Right Car Insurance for Delivery Drivers

Do I need different car insurance as an Uber driver? Yes. Most personal policies won't cover you while out on delivery. You'll likely need rideshare or commercial car insurance for delivery drivers.

This makes finding the right car insurance is essential for delivery drivers due to their unique needs. These case studies show how drivers across the country have tackled their insurance challenges:

• Case Study #1 – Maximizing Savings With Progressive: Jane, a delivery driver in Chicago, found affordable insurance with Progressive at $125/month. Flexible coverage and discounts for safe driving and bundling helped her lower her premiums.
• Case Study #2 – Affordable Rates With Geico: Mark, a part-time delivery driver in Austin, chose Geico for its $48/month minimum coverage and discounts. This kept his insurance costs low while fitting his limited driving needs.
• Case Study #3 – Comprehensive Coverage With Allstate: Sarah, a delivery driver in NYC, needed comprehensive coverage. She chose Allstate for its robust plans and discounts. By bundling policies, she got extensive protection for $130/month.

These case studies show the different approaches delivery drivers take to find suitable car insurance.

By considering these real-world examples, you can better understand how to select the right delivery driver auto insurance policy for you.

Top Car Insurance Companies for Delivery Drivers

For delivery drivers seeking affordable and comprehensive car insurance, Progressive, Geico, and Allstate are standout choices. Progressive tops the list of best car insurance companies for delivery drivers with tailored policies for all types of drivers, from rideshare to couriers.

Compare coverage levels and explore discounts for safe driving, multi-policy bundles, and delivery-specific options to maximize savings. Consider increasing deductibles and maintaining a clean driving record to further reduce your delivery driver insurance rates.

Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.

Frequently Asked Questions

Why do delivery drivers need specialized car insurance?

Delivery drivers often use their vehicles for business purposes, which is not typically covered under personal auto insurance policies. Specialized insurance ensures that you are covered in case of an accident while working.

What are the best car insurance companies for delivery drivers?

The best auto insurance companies for delivery drivers include Progressive, Geico, Allstate, and State Farm. These companies offer tailored coverage and competitive rates specifically for drivers in the gig economy.

What coverage options should delivery drivers consider?

Delivery drivers should consider comprehensive coverage, collision coverage, and liability insurance. Additionally, uninsured/underinsured motorist coverage is important to have when handling an accident with an uninsured driver.

How much does delivery driver car insurance cost?

Car insurance costs for delivery drivers vary based on factors like driving history, location, and coverage needs. Rates can start as low as $48 per month with some providers like Progressive and Geico.

Can I use my personal car insurance for delivery driving?

Most personal car insurance policies don't cover accidents that occur while you're driving for work purposes. It’s important to either get a commercial policy or compare quotes from the best rideshare insurance companies to find the right policy for you.

How can delivery drivers lower their car insurance premiums?

Drivers can lower their premiums by maintaining a clean driving record, increasing their deductibles, bundling policies, or opting for usage-based insurance. Comparing quotes from different providers also helps in finding the best rate.

What discounts are available for delivery drivers on car insurance?

Delivery drivers can take advantage of various discounts, such as safe driving discounts, multi-policy discounts, and delivery-specific discounts. Providers like Progressive and Allstate offer these options.

Is usage-based or pay-per-mile insurance a good option for delivery drivers?

No, these are personal auto insurance coverages and are not available with commercial coverage for delivery drivers.

What happens if I get into an accident while delivering food or packages?

If you're involved in an accident while working, you’ll need to file a claim with your insurance company. Without the proper coverage, your claim might be denied, leaving you responsible for damages. Consult the five steps to take after a car accident in our expert guide to learn more.

How do I find the best car insurance policy for delivery driving?

To find the best policy, start by comparing quotes from different providers with our free quote tool below. Look for companies that offer specialized coverage for delivery drivers and consider any discounts or customizable options that meet your needs.