Amazon Flex Delivery Auto Insurance: Requirements & Rates for 2021

Amazon Flex delivery auto insurance is provided by the company to all Amazon Flex drivers. Amazon delivery auto insurance only applies when delivering for Amazon, so you'll need personal coverage (and a commercial policy if you deliver for other companies). Amazon Flex delivery car insurance includes $50,000 in coverage for your vehicle, $1M in coverage if you're in an accident with an uninsured driver, and $1M in liability.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Overview

  • As an Amazon Flex delivery driver, you qualify for Amazon’s free commercial car insurance coverage
  • Amazon Flex delivery auto insurance provides $50,000 in vehicle damages for your vehicle, $1 million in damages and injury protection if you’re in an accident with an uninsured/underinsured driver and $1 million in liability coverage for other drivers
  • Amazon Flex car insurance only applies when you’re delivering for Amazon, so when you’re using your vehicle for personal reasons or delivering for other companies, you won’t be covered by the Flex policy

If you’re a delivery driver who currently delivers for Amazon Flex or is considering doing so, you probably have some questions about the car insurance requirements.

Is there an Amazon delivery auto insurance option? Can you buy Amazon Flex delivery auto insurance? Is there affordable Amazon Flex delivery auto insurance? How much are average Amazon Flex delivery auto insurance rates? What happens if you’re in an accident while delivering for Amazon? Are there car accident and automobile injury resources?

Read this article for the answers to your questions about Amazon Flex delivery car insurance.

Before reading through our Amazon Flex delivery driver auto insurance review, why not enter your ZIP code in our free tool to start comparing rates for delivery drivers from insurance companies where you live?

What kind of auto insurance do you need as an Amazon Flex delivery driver?

Do you have to have car insurance to be a delivery driver, and if so, what kind? Any time you get behind the wheel, you’ll need at least enough car insurance to meet the minimum liability requirements set in your state to drive legally. However, is this coverage enough when you’re delivering for Amazon Flex (or other delivery-based companies)?

Typically, you’ll need more than just personal coverage when you use your vehicle to make deliveries because this isn’t included in most personal policies. You’ll also need commercial auto insurance coverage.

As a delivery driver, you face a higher accident and vehicle fatality rate than most other occupations (according to Crosley Law), so it’s important that you have the right coverage.

So what is Amazon Flex auto insurance, what’s covered, how much does it cost, and why do you need it? Amazon Flex is a free commercial policy offered by Amazon to its delivery drivers.

Since Amazon Flex is free, you won’t need Amazon Flex delivery auto insurance quotes. And with Flex car insurance, you’ll have coverage that includes:

  • $50,000 in damages to your vehicle (if you have comprehensive and collision on your personal policy)
  • $1 million in personal injury and property damage for you and your vehicle if you’re in an accident with an uninsured/underinsured driver
  • $1 million in liability coverage for third-party individuals or vehicles (when you’re at fault in an accident)

It’s important to note that the Flex auto policy only applies when you’re picking up, delivering, or returning packages for Amazon, so you’ll still need personal coverage through a traditional insurer (and a commercial policy if you deliver for other companies).

Even if you only deliver for Amazon Flex and are therefore covered by the service when you’re out on delivery, it’s still a good idea to let your insurer know you’re using your vehicle for deliveries. That way, there’s no concern from your insurance company that you’re committing fraud of any kind.

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Where else can you get delivery driver auto insurance, and how much does it cost?

Since Flex auto insurance only covers you when delivering for Amazon, you may be wondering what insurance companies cover delivery drivers and how much will it cost you. You should be able to purchase commercial coverage from most (if not all) major insurance companies, but you will see a significant increase in your rates (an extra $150 per month on average).

One way to save on coverage for delivery drivers is to ask about the delivery driver add-on. This coverage is not available from every insurer, but those that do offer it include:

  • Crump Property & Casualty
  • GEICO
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

Another way to save is by comparing rates. It’s good practice to compare quotes from at least three different insurance companies to make sure you’re getting the best price. And you can use the free tool on this page to get your first quote today.

Amazon Flex Delivery Auto Insurance: The Bottom Line

Amazon offers Flex auto insurance to Amazon Flex delivery drivers for free. This coverage includes $50,000 in damages to your vehicle (if you qualify), $1 million in uninsured/underinsured motorist coverage, and $1 million in liability coverage if you’re at fault in an accident.

Flex car insurance only applies when you’re out on delivery for Amazon, so you’ll still need personal coverage. And if you deliver for other services, you’ll need additional commercial coverage as well.

Now that you’ve read our Amazon Flex delivery driver auto insurance review take a minute to use your ZIP code in the free tool on this page to compare rates from insurance companies in your area.

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Enter your ZIP code below to compare cheap insurance rates.

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