Shipt Auto Insurance: Requirements & Rates for 2021

Shipt auto insurance is provided, but covers you only for liability during a specific time period when making a delivery. You may need to purchase a commercial policy to ensure you are covered in the event of an accident not covered by the Shipt car insurance policy. GEICO offers discounts like a multi-policy discount that can help save up to 25% on your Shipt auto insurance coverage. The average rate for a commercial Shipt auto insurance policy is $273.

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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

  • Shipt auto insurance coverage is the responsibility of the driver
  • A standard auto insurance policy will not cover an accident while driving for Shipt
  • In some circumstances, Shipt will cover an accident involving a Shipt shopper

Grocery delivery is becoming more and more popular, which has people flocking to delivery driver jobs like those at Shipt. The problem that many drivers face is not knowing what type of insurance they need in the case of an accident.

Shipt auto insurance is not just your standard policy. Most delivery drivers will need a commercial policy, or they will need to add business use to their standard policy. This type of coverage will ensure you don’t need to hire an auto insurance lawyer because of an accident while on the clock.

For a quick comparison of affordable Shipt auto insurance quotes, enter your ZIP code now.

Does Shipt offer auto insurance for its drivers?

Typically, this is a simple yes or no question. However, with Shipt, it really isn’t that simple. They offer liability coverage while you have a customer’s order in your vehicle and up until the point of drop-off. Once their items are no longer in your car, you are no longer covered.

A Shipt car accident could end up costing you a small fortune. If you don’t have the right type of coverage and you get in an accident before you pick up a customer’s items or after you drop them off, your standard auto insurance policy is not going to cover the claim.

To ensure any accidents that may occur are covered, you need to purchase a commercial auto insurance policy. Commercial Shipt auto insurance rates are going to cost more than a standard policy. However, it will give you peace of mind if an accident were to occur.

It is important to note that some auto insurance companies will allow you to add business use to your existing policy. This may save you some money and give you coverage in the case of an accident at work.

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What is the most affordable Shipt auto insurance company?

You can buy Shipt auto insurance from pretty much all of the top-rated insurance companies. There are a variety of factors that will play into how affordable your rates are. When auto insurance rates are calculated, several things determine your risk level. This includes:

  • Age
  • Credit Score
  • Number of Claims
  • Driving Record

Progressive and GEICO are known for being some of the most affordable companies for commercial Shipt auto insurance policies. Not only do they offer a lot of discounts to save you on costs but they also offer the addition of business use to a standard policy.

This may be the best way to find cost-effective auto insurance while driving and delivering for Shipt. It’s wise to shop around and check with your current company to find the best rates, which in turn means making as much money as possible while delivering items for Shipt.

Here is a look at some sample rates from Progressive to give you an idea about how much a non-standard policy may cost you.

Progressive Shipt Average Monthly Auto Insurance Rates by Policy
Type of Auto Insurance CoverageSample Monthly Rates from ProgressiveSample of Monthly Rate Increase (Compared to a Personal Policy Alone)
Personal Auto Insurance (No Delivery)$105.83N/A
Personal Auto Insurance (Delivery)No Coverage AvailableNo Coverage Available
Business + Personal Auto Insurance (Food Delivery)$296.83180.47%
Business Only Auto Insurance (Food Delivery)$273.08158.03%
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As you can see, these types of policies can be pretty costly. However, with added discounts, they can become much more affordable.

When you are ready to buy Shipt auto insurance, enter your ZIP code and compare base rates for significant savings.

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