USAA, Nationwide, and Progressive stand as the best car insurance companies for Shipt drivers with coverage starts at a modest $29/month.

This guide highlights the top 10 car insurance companies, showcasing the best and cheapest car insurance companies to help you find the best coverage. We'll explore the pros and cons of each provider, including discounts tailored for gig workers and coverage options essential for your delivery work.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A++	Affordable Rates	Geico
	#2	22%	B	Customer Service	State Farm
	#3	20%	A+	Coverage Options	Progressive
	#4	25%	A+	Drivewise Programs	Allstate
	#5	10%	A++	Military Drivers	USAA
	#6	20%	A	Signal App	Farmers
	#7	20%	A	Uber Drivers	Liberty Mutual
	#8	20%	A+	Deductible Savings	Nationwide
	#9	13%	A++	IntelliDrive Program	Travelers
	#10	29%	A	Agent Network	American Family

Compare rates, discover savings opportunities, and choose the policy that best suits your needs for a safe and profitable driving experience. Take the first step toward cheaper car insurance rates. Enter your ZIP codee above to see how much you could save.

What You Should Know

• Learn about the essential coverage options for Shipt drivers
• Explore ways for Shipt drivers to save on insurance
• Geico is rated as the best car insurance company for Shipt drivers

#1 – Geico: Top Overall Pick

Pros

• Budget-Friendly for Gig Workers: Offers affodable for Shipt drivers to maximize earnings while ensuring comprehensive protection.
• Varied Vehicle Equipment Discounts: Shipt drivers can benefit from discounts for anti-theft devices and safety features, potentially lowering premiums on vehicles used for deliveries.
• Defensive Driving Incentives Shipt drivers can earn additional discounts by completing defensive driving course, improving both their skills and insurance rates.

Cons

• Limited Personalized Agent Support: Geico's digital model may leave Shipt drivers wanting more personalized assistance for complex insurance issues.
• No Telematics Program: Geico lacks a usage-based insurance option, limiting savings for Shipt drivers based on safe driving habits.

#2 – State Farm: Best for Customer Service

Pros

• Extensive Agent Network: Dive into our State Farm car insurance review to see how Shipt drivers benefit from personalized service and tailored advice from local agents.
• Vehicle Safety Discount: Shipt drivers with newer, safer vehicles used for deliveries can enjoy reduced premiums, incentivizing the use of well-equipped cars
• Flexible Payment Options: State Farm offers various payment plans, allowing Shipt drivers to align their insurance payments with their variable gig economy income.

Cons

• Higher Rates in Some Urban Areas: Shipt drivers operating in certain high-traffic urban zones may face elevated premiums due to State Farm's risk assessment in these areas.
• Less Competitive for High-Risk Drivers: Shipt drivers with imperfect records may find State Farm’s rates less favorable than those from high-risk insurers.

#3 – Progressive: Best for Coverage Options

Pros

• Affordable Full Coverage: In our Progressive car insurance review Shipt drivers can secure coverage for $101/month, keeping delivery costs affordable.
• Extensive Coverage Options: Progressive offers a wide range of coverage types, allowing Shipt drivers to customize their policies to match their specific delivery-related risks.
• Name Your Price Tool: This feature helps Shipt drivers find a policy that fits their budget while still meeting their coverage needs for delivery work.

Cons

• Average A.M. Best Rating: Progressive's A+ financial strength rating, while still strong, may give some Shipt drivers pause compared to insurers with higher ratings.
• Limited Bundling Options: Progressive offers some discounts, but Shipt drivers may find fewer opportunities to save by combining policies compared to other insurers.

#4 – Allstate: Best for Drivewise Program

Pros

• Drivewise Telematics Program: Our Allstate car insurance review shows Shipt drivers can earn discounts for safe driving, potentially lowering premiums.
• Rideshare Insurance Availability: While primarily for rideshare, this coverage can benefit some Shipt drivers who also work for other gig economy platforms.
• Mobile App Convenience: Allstate's user-friendly app allows Shipt drivers to easily manage their policies, pay bills, and file claims between deliveries.

Cons

• Strict Eligibility for Best Rates: Some Shipt drivers may struggle to qualify for Allstate's lowest rates, particularly with a history of claims or violations from their delivery work.
• Potential for Long Claim Processing: Some Shipt drivers report longer claim processing times with Allstate, affecting their ability to return to work quickly after an incident.

#5 – USAA: Best for Military Drivers

Pros

• Lowest Average Premiums: Read our USAA car insurance review shows eligible Shipt drivers can access affordable comprehensive coverage starting at $94/month.
• Military-Focused Benefits: For Shipt drivers with military connections, USAA provides unique benefits and discounts tailored to service members and their families.
• Usage-Based Insurance Program: SafePilot lets Shipt drivers earn discounts for safe driving habits during deliveries, rewarding cautious couriers.

Cons

• Potential for Coverage Gaps: Shipt drivers should review their policies to avoid coverage gaps during deliveries, as USAA's standard policies may not fully cover commercial use.
• Stricter Underwriting Criteria: Some Shipt drivers may struggle to qualify for USAA's best rates, particularly if they have a history of claims or violations.

#6 – Farmers: Best for Signal App

Pros

• Signal App for Safe Driving: Explore our Farmers car insurance review to see how the Signal app rewards safe driving, helping Shipt drivers earn discounts during deliveries.
• Accident Forgiveness Feature: This option helps Shipt drivers keep lower rates even after an at-fault accident, protecting their earnings.
• New Car Pledge: For Shipt drivers using newer vehicles, Farmers offers to replace totaled cars with new ones, ensuring minimal disruption to delivery work.

Cons

• Potential for Rate Increases: Some Shipt drivers report substantial rate hikes after claims, affecting long-term affordability in accident-prone areas.
• Limited Availability of Some Features: Certain Farmers benefits and discounts may not be offered in all states, disadvantaging some Shipt drivers based on location.

#7 – Liberty Mutual: Best for Uber Drivers

Pros

• Accident Forgiveness Option: Our car insurance review of Liberty Mutual details how this helps Shipt drivers keep lower rates after an at-fault accident, protecting their income.
• New Car Replacement Coverage: Offers new vehicle replacement for Shipt drivers within the first year if totaled.
• Better Car Replacement: Provides Shipt drivers a car one model year newer with 15,000 fewer miles if totaled, reducing downtime.

Cons

• Higher Rates for Some Drivers: Shipt Drivers with poor records or in high-risk areas may face higher premiums.
• Inconsistent Customer Service: Mixed reviews on customer service may frustrate Shipt drivers during urgent claims.

#8 – Nationwide: Best for Deductible Savings

Pros

• Vanishing Deductible: Check out our Nationwide car insurance review to discover how Shipt drivers can lower their deductible by $100 annually for safe driving, up to $500.
• Roadside Assistance Coverage: This add-on can be crucial for Shipt drivers, ensuring they can quickly get back on the road if their vehicle breaks down during a delivery shift.
• Pet Injury Coverage: For Shipt drivers who bring their pets along on deliveries, Nationwide offers protection for injuries sustained in auto accidents.

Cons

• Complex Policy Structure: Some Shipt drivers find Nationwide's policies confusing, making it hard to ensure adequate protection.
• Limited Rideshare Coverage: Coverage for Shipt drivers may be less comprehensive compared to specialized gig worker policies.

#9 – Travelers: Best for IntelliDrive Program

Pros

• IntelliDrive Telematics Program: Our Travelers car insurance review reveals Shipt drivers can earn discounts for safe driving with this usage-based insurance.
• Hybrid/Electric Vehicle Discount: Shipt drivers using eco-friendly vehicles for deliveries can enjoy reduced premiums, incentivizing the use of environmentally conscious cars.
• 24/7 Claim Reporting: Round-the-clock claim support is crucial for Shipt drivers who may need assistance outside of regular business hours due to their flexible delivery schedules.

Cons

• Potentially Higher Deductibles: To keep rates competitive, Travelers might offer policies with higher deductibles, posing a financial strain for Shipt drivers when filing claims.
• Slower Adoption of Industry Innovations: Travelers may lag in adopting new features or coverage options that could assist tech-savvy Shipt drivers in the changing gig economy.

#10 – American Family: Best for Agent Network

Pros

• Competitive Full Coverage Rate: As mentioned on American Family car insurance review, offers Shipt drivers comprehensive coverage, boosting their gig economy profits.
• Young Driver Discounts: American Family offers discounts for young Shipt drivers, such as good student and safe driver rewards, potentially lowering insurance costs.
• Gap Insurance: This coverage can be valuable for Shipt drivers with car loans, protecting them if their vehicle is totaled and they owe more than its actual cash value.

Cons

• Limited Availability: American Family insurance is only available in 19 states, potentially excluding many Shipt drivers based on their location.
• Limited Online Capabilities: Their digital tools may not be as advanced as competitors', inconveniencing tech-savvy Shipt drivers who prefer managing policies online.

Top Car Insurance Rates for Shipt Drivers

Our table showcases the average monthly costs for minimum and full coverage from leading insurers like Progressive, Liberty Mutual, and Farmers. See how each company stacks up and make an informed choice.

Insurance Company	Minimum Coverage	Full Coverage
	$39	$116
	$36	$112
	$38	$122
	$31	$103
	$35	$111
	$41	$115
	$32	$101
	$33	$97
	$44	$119
	$29	$94

Armed with this comparison of liability vs. full coverage rates, you can better navigate the car insurance market. Evaluate these rates to find the best coverage at a price that fits your financial plan.

Maximize Car Insurance Discounts for Shipt Drivers

Unlock savings on car insurance with discounts tailored for Shipt drivers. Our detailed table highlights available discounts from top insurers such as Liberty Mutual, Progressive, and Nationwide to help you find the best deals.

Insurance Company	Available Discount
	Safe Driving, Bundling, Anti-Theft Devices, New Car
	Bundling, Loyalty Discount, Good Driver, Low Mileage
	Safe Driver, Bundling, Good Student, Signal By Farmers
	Bundling, Good Driver, Defensive Driving, Vehicle Equipment
	RightTrack (Telematics), Bundling, Safe Driver, Early Shopper
	SmartRide (Telematics), Bundling, Accident-Free, Defensive Driving
	Snapshot (Telematics), Multi-Car, Safe Driver, Continuous Insurance
	Drive Safe & Save (Telematics), Good Driving, Bundling, Vehicle Safety
	IntelliDrive (Telematics), Bundling, Safe Driver, Hybrid/Electric Vehicle
	Safe Driver, Bundling, Garaging Discount, Defensive Driving Course

Take advantage of the various discount options offered by top insurance providers to maximize your savings as a Shipt driver. It’s essential to thoroughly compare the different discounts available, such as the multi-policy discount, which can significantly reduce your premiums if you bundle multiple insurance policies together.

By carefully evaluating these options, you can find an insurance provider that not only meets your specific requirements but also aligns with your financial goals.

Read More: State Farm Drive Safe and Save Review

Essential Coverage Options for Shipt Drivers

Understanding the right coverage is crucial for Shipt drivers who face different risks than typical drivers. Key coverages to consider include:

• Commercial Coverage: Some insurers offer commercial auto insurance options or endorsements for rideshare drivers, which can be beneficial for Shipt drivers who use their vehicles for work.
• Liability Coverage: Ensures protection in case of accidents involving other parties, which is important for drivers who spend a significant amount of time on the road.
• Comprehensive and Collision Coverage: Covers damage to your own vehicle, essential for protecting against accidents and theft.

Shipt drivers need to know their insurance. It’s simple. Choose the right coverages to shield yourself and your vehicle from harm.

Focus on commercial, comprehensive, and liability car insurance coverage. That is how you stay safe while working.

Tips for Saving on Insurance as a Shipt Driver

To maximize savings on your auto insurance, maintain a clean driving record to qualify for the best rates and discounts. Consider enrolling in telematics programs like Geico’s DriveEasy or Progressive’s Snapshot, which offer discounts based on your driving habits.

Additionally, regularly compare quotes from different insurers to ensure you’re getting the best deal, as rates and offers can change.

Read More: What is considered a clean driving record?

See how much you’ll pay for car insurance by entering your ZIP code below into our free comparison tool.

Frequently Asked Questions

Does Shipt offer liability insurance?

Shipt does not provide liability insurance. Drivers need personal auto insurance, and many will need additional commercial coverage or endorsements for delivery work.

For more information, read our article titled "What does liability car insurance cover?"

What is proof of shipping insurance?

Proof of shipping insurance shows that your vehicle is insured for deliveries, including any necessary endorsements or commercial auto coverage for driving with Shipt.

Ready to shop around for the best car insurance company? Enter your ZIP code below and see which one offers the coverage you need.

What is the downside to being a Shipt shopper?

Downsides include vehicle wear and tear, gas costs, potential need for extra insurance, and inconsistent order availability, which can lead to variable earnings.

What are the peak hours for Shipt?

Shipt peak hours are evenings, weekends, and holidays, when demand for grocery deliveries increases, offering more opportunities to earn higher income.

Can Shipt leave groceries at the door?

Yes, Shipt allows drivers to leave groceries at the customer’s door with the "Leave at Door" option, providing a contact-free delivery experience.

What is crew liability insurance?

Crew liability insurance covers workers' liabilities in specific industries. Shipt drivers need personal liability insurance through their auto policy for protection during deliveries.

Read More: A Practical Guide For Understanding Car Insurance

Is carrier liability the same as cargo insurance?

No, carrier liability covers a limited value of goods, while cargo insurance protects the full value. Shipt drivers typically don’t require cargo insurance.

What is operational liability insurance?

Operational liability insurance covers business-related claims. For Shipt drivers, this could be equivalent to auto liability coverage in their commercial or personal insurance.

Who pays for cargo insurance?

The shipper usually pays for cargo insurance to protect the goods. Shipt drivers typically don’t need this unless transporting high-value items. Review your policy as having unnecessary coverage may be the reason why your car insurance is so expensive.

What is the difference between cargo insurance and freight insurance?

Cargo insurance protects goods being shipped, while freight insurance covers transportation costs. Shipt drivers usually don’t need either unless handling high-value deliveries.

Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.