Best Auto Insurance for DoorDash Drivers in 2025 (Find the Top 10 Companies Here)

The best auto insurance for DoorDash drivers is with State Farm, AAA, and Geico, with rates starting at just $126 per month, making it easier for delivery drivers to get affordable protection.

Our Top 10 Company Picks: Best Auto Insurance for DoorDash Drivers

State Farm offers the best mix of low rates, strong coverage, and discounts (Read more: Car Insurance Discounts You Can’t Miss). AAA stands out with an easy-to-use mobile app where drivers can quickly manage policies, file claims, and call roadside assistance.

Geico allows drivers to choose commercial coverage levels, add-ons, and payment options that match their delivery schedules and budgets.

This guide compares top companies to help drivers find the right coverage at the lowest price. See if you’re getting the best deal on car insurance by entering your ZIP code here.

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#1 – State Farm: Top Overall Pick

Pros

• Cheapest Minimum Rate: State Farm has the lowest insurance for delivery drivers at just $126 per month for minimum coverage.
• Big Discount Options: State Farm DoorDash insurance is eligible for multiple discounts, including safe driver, bundling, and multi-car.
• Helpful Local Support: According to our State Farm auto insurance review, this company’s local agents can help DoorDash drivers quickly adjust policies or file claims.

Cons

• Limited Digital Tools: The app is basic, and some DoorDash drivers may find it hard to manage everything online.
• Discounts Can Vary: Some discounts may not apply if the DoorDash driver doesn’t bundle or own a home.

#2 – Farmers: Best for Local Agents

Pros

• One-on-One Help: Farmers offers local agents who can help DoorDash delivery drivers pick the right coverage or file a claim.
• Multiple Discounts: DoorDash drivers can save with good driver, bundling, and defensive driving course discounts.
• Great Claims Support: Customer satisfaction is high with Farmers insurance claims for DoorDash drivers. Browse our guide on everything you need to know about Farmers Insurance.

Cons

• Higher Cost Than Others: Farmers isn’t the cheapest — DoorDash drivers may find better value elsewhere.
• Limited Tech Tools: The mobile app doesn’t offer as many features for managing policies on the go as other DoorDash car insurance companies.

#3 – Liberty Mutual: Best Customizable Polices

Pros

• Build-Your-Own Coverage: Our Liberty Mutual insurance review explains how DoorDash drivers can add towing, accident forgiveness, and pay-per-mile options.
• Affordable Start Rate: Minimum coverage starts at $139 per month, slightly cheaper than many DoorDash insurance companies.
• Usage-Based Option: Liberty Mutual RightTrack plans help safe DoorDash drivers save more money by tracking driving behaviors.

Cons

• Price Jumps at Renewal: Some DoorDash drivers report higher rates after the first policy term.
• Fewer Local Agents: It may take longer for DoorDash drivers to get in-person help.

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#4 – Allstate: Best Add-on Coverages

Pros

• Lots of Add-Ons: According to our Allstate auto insurance review, DoorDash drivers can choose extras like accident forgiveness, new car replacement, and roadside help.
• Good Discounts: Discounts for full payment, safe driving, and bundling help DoorDash drivers cut costs.
• Affordable Entry Plan: Minimum coverage for DoorDash drivers begins at $148 per month.

Cons

• Higher Base Rates: Even with discounts, Allstate’s pricing is still above average for most DoorDash drivers.
• Limited Savings for Low Mileage: DoorDash drivers who don’t drive a lot won’t see special savings here.

#5 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: First accidents won’t raise rates, which helps DoorDash drivers keep coverage affordable.
• Solid Bundling Options: As per our Travelers auto insurance, DoorDash drivers can save by combining auto and home or renters insurance.
• Industry Experience: As one of the most established names in insurance, Travelers is a reliable insurer for DoorDash drivers with an A++ financial rating.

Cons

• Expensive for Basic Plans: $151 a month is more than most competitors for minimum coverage for DoorDash drivers.
• App Features Are Basic: The app lacks advanced claim and tracking tools for DoorDash drivers.

#6 – Geico: Best for Delivery Driver Coverage

Pros

• Delivery Driver Insurance: Geico’s DoorDash insurance covers drivers during all stages of delivery—before, during, and after active orders—filling gaps that personal policies often leave out.
• Online Tools: DoorDash drivers can quote, buy, and manage their policies from a phone or computer. Read our guide to learn everything you need to know about Geico.
• Competitive Price: Geico DoorDash insurance starts at $137 per month for minimum coverage, lower than most big-name insurers.

Cons

• Hard to Get Help in Person: Most support is online or by phone—may not work well for DoorDash drivers who prefer local help.
• Fewer Specialized Perks: Geico lacks benefits like accident forgiveness unless drivers pay extra.

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#7 – Nationwide: Best Usage-Based Discount

Pros

• Safe Driving App (SmartRide): DoorDash drivers can save money on auto insurance based on how well they drive, tracked through the app.
• Affordable Rates: Rates start at $138 per month for minimum coverage, with discounts possible for accident-free driving.
• Good Multi-Car Discount: Based on our Nationwide insurance review, DoorDash drivers with two cars or more can lower costs even further.

Cons

• App Can Be Glitchy: Some DoorDash drivers report issues with the tracking app and slow updates.
• Fewer Local Offices: It can be harder to find in-person help for claims or policy questions.

#8 – AAA: Best Online App

Pros

• Easy-to-Use App: AAA’s mobile app lets DoorDash drivers file claims, pay bills, and get roadside help in minutes.
• Helpful Extras: As per our AAA review, it has plans that come with perks like towing and battery jump-starts, useful for busy DoorDash drivers.
• Strong Coverage Options: DoorDash drivers can get good protection starting at $135 per month for minimum coverage.

Cons

• Must Buy Membership: DoorDash drivers have to pay for an AAA membership before buying a policy.
• Limited Availability: AAA auto insurance for DoorDash drivers is not available in every state.

#9 – USAA: Best for Military Savings

Pros

• Military Savings: DoorDash drivers in the military get exclusive low rates and extra discounts.
• Low Rates: Minimum coverage starts at $130 per month, cheaper than most other options for eligible DoorDash drivers.
• Great Customer Service: USAA is known for fast claim payouts and friendly service, helping DoorDash drivers after accidents. Learn more in our USAA review.

Cons

• Not for Everyone: Only military families can get a policy — most DoorDash drivers won’t qualify.
• Limited Rideshare Coverage: USAA car insurance for DoorDash drivers doesn’t cover all phases of rideshare or delivery driving.

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#10 – Progressive: Best for Innovative Tools

Pros

• Innovative Tools: The Progressive Name-Your-Price tool lets DoorDash drivers pick just the coverage they need to drive a personal vehicle for work.
• Usage-Based Programs: DoorDash drivers can try usage-based tools like Snapshot for possible discounts. Gain more insights on everything you need to know about Progressive Insurance.
• Strong Online Support: Quotes, claims, and policy changes can be handled fast through Progressive’s website or app.

Cons

• Highest Entry Price: Progressive DoorDash insurance starts at $156 per month, the highest minimum coverage rate for DoorDash drivers on this list.
• Service Can Vary: Some DoorDash drivers report slow claim responses and poor follow-up.

Cost of Car Insurance for DoorDash Drivers

State Farm has the best car insurance for DoorDash drivers because it offers a good mix of low prices and competitive discounts for the cheapest possible rates for minimum coverage at just $126 per month.

Auto Insurance for DoorDash Drivers: Monthly Cost by Coverage Level

On top of affordable insurance that covers all phases of DoorDash delivery, State Farm gives drivers several ways to save through discounts for bundling, safe driving, and owning a home.

USAA is the second cheapest at $130 monthly, but it’s only for military families, so it won’t work for most DoorDash drivers. Liberty Mutual’s rate of $139 per month isn’t the lowest, but it also covers all delivery phases and lets drivers build their own plan.

While these three companies don’t all have the lowest price, they offer real value by making it easier for DoorDash drivers to stay protected and on the road.

Read more: Ultimate Guide on the Best Time to Buy a New Car

Insurance Coverages Every DoorDash Driver Needs

If you drive for DoorDash, a basic car insurance policy might not cover you while you’re working. Most personal insurance plans don’t protect you during deliveries, which is why it’s important to understand the types of coverage that can keep you fully protected on the road.

• Liability Coverage: Covers damage or injuries you cause to other people or vehicles while driving.
• Collision and Comprehensive Coverage: Helps pay for damage to your car from accidents, theft, weather, or hitting an animal.
• Uninsured/Underinsured Motorist: Protects you if another driver doesn’t have insurance or enough to cover the damage.
• Medical Payments or PIP: Helps pay for your medical bills if you’re hurt in an accident, no matter who was at fault.
• Rideshare or Delivery Coverage: Adds extra protection when DoorDash’s limited insurance doesn’t apply, like when waiting for orders.

In addition, rideshare or delivery coverage adds protection when DoorDash’s limited insurance doesn’t apply, like when you’re waiting for an order.

Rideshare coverage is typically an affordable add-on, while commercial insurance may be needed for full-time drivers. You can check your insurance coverage in the DoorDash Dasher app or by contacting your personal insurer.

If you’re using your personal vehicle for deliveries, rideshare, or commercial insurance is essential since most personal policies exclude work-related driving. Without it, your insurer could deny claims, leaving you responsible for repairs, medical bills, or liability costs.

Adding the right coverage to your policy helps protect your car, your income, and your ability to keep delivering. DoorDash only covers certain parts of your shift, so adding delivery driver insurance to your own policy is the best way to avoid gaps.

Read more: Traffic Collision Reconstruction

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Ways to Save Money on DoorDash Insurance

You can get the best auto insurance for delivery drivers by picking companies that offer more discounts. State Farm, Farmers, and Liberty Mutual give drivers several ways to lower their monthly rates. State Farm offers discounts to good students and safe drivers.

Top Auto Insurance Discounts for DoorDash Drivers

The top three DoorDash auto insurance companies give safe drivers the biggest discount of 20%, with additional savings through usage-based programs, like State Farm Drive Safe and Save and Liberty Mutual RightTrack.

Nationwide and Progressive are also strong choices if you’re a safe driver, since both companies also offer programs that track your driving habits and reward you with lower prices (Read more: 26 Hacks to Save More Money on Car Insurance).

AAA gives discounts for accident-free driving and safe driving, and it offers discounts to young drivers who complete driving programs. Even if a company’s starting rate is a little higher, these discounts can help bring the price down and give DoorDash drivers better value overall.

Finding Top Auto Insurance for DoorDash Drivers

The best auto insurance for DoorDash drivers combines low prices with the right delivery coverage and helpful features. State Farm offers the lowest rate at $126 per month, while Farmers and Liberty Mutual stand out with competitive discounts.

Discounts make a big difference for DoorDash drivers — many companies offer savings for safe driving, bundling, and more. Choosing a policy that fits your driving habits and budget can help you stay protected while keeping costs down (Read more: What to Do If You Can’t Afford Your Auto Insurance).

Comparing top providers is the easiest way to get the car insurance you need to drive for DoorDash without overpaying. Enter your ZIP code to find where you can get a better deal.

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