Amazon Flex Auto Insurance: Rates & Requirements (2024)

Fortunately, you won’t need rideshare auto insurance to be an Amazon Flex delivery driver. Amazon offers free commercial auto insurance coverage to drivers actively making deliveries. However, you’ll need a full coverage auto insurance policy to get Amazon Flex’s collision and comprehensive auto insurance.

Learn how Amazon Flex auto insurance works, what it covers, and when you might want to buy additional rideshare insurance. Then, enter your ZIP code above to buy the best and cheapest insurance for Amazon Flex drivers.

Amazon Flex Commercial Auto Insurance Coverage

Amazon provides its Amazon Flex drivers commercial coverage when delivering packages, but this auto insurance doesn’t replace the necessary liability coverage every driver needs.

If you want to drive for Amazon, you should compare auto liability insurance rates. All drivers in the U.S. must purchase liability coverage. However, Amazon provides its drivers additional protection through its commercial auto insurance policy.

Amazon’s commercial car insurance coverage includes:

• Additional liability auto insurance coverage
• Uninsured motorist coverage
• Comprehensive and collision coverage, contingent upon each situation

Amazon specifies on its website that commercial coverage only covers Amazon drivers — passengers won’t receive any coverage from the policy. In addition, Amazon Flex delivery drivers must be actively making a delivery to receive coverage from the company’s commercial policy.

If you work for Amazon Flex but allow someone else to make your delivery, Amazon’s commercial insurance doesn’t cover that individual if an accident occurs.

The company also notes that Amazon’s commercial coverage cannot cover Amazon Flex drivers in New York. Instead, these individuals may need to purchase additional commercial coverage to meet delivery requirements if they live in New York. Learn more about when you need additional business auto insurance.

Comparing Amazon Flex Auto Insurance Costs

Amazon Flex drivers don’t have to pay for coverage from the company. Instead, they automatically receive coverage from Amazon’s commercial auto insurance policy when driving to pick up or deliver a package.

However, rates for standard auto insurance coverage vary based on several factors, such as:

• Age: Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time. Compare auto insurance rates by age.
• Claims history: If you’ve filed multiple claims, you’ll have higher insurance rates. 
• Credit score: Drivers with lower credit scores are more likely to file claims or miss payments. So they’ll pay higher rates. (Read: Best Auto Insurance Companies for Bad Credit) 
• Driving history: Auto insurance companies check your driving record to determine rates. Traffic tickets, accidents, DUIs, and similar charges will raise rates.
• Gender: Auto insurance rates are different for men and women. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
• Vehicle model and make: Insurance companies consider safety ratings, crash statistics, and the vehicle’s overall expense when setting rates.
• Coverage types: The cost of insurance will reflect the type and amount of coverage the driver chooses. Compare the different types of auto insurance

If you only carry liability coverage and have a clean driving record, you can expect to pay little for your auto insurance.

The table below shows the average monthly auto insurance rates in the U.S. with different companies based on coverage type.

Depending on where you live, you may pay more or less per year for coverage, but this should give you a good idea of what you can expect to pay for full coverage vs. what you may pay for liability insurance.

Amazon Flex Auto Insurance Coverage Requirements

You’ll need a liability insurance policy to drive in your state, but each state has specific liability coverage requirements.

The table below shows liability coverage requirements in each state. The numbers represent car insurance requirements per thousand dollars of bodily injury liability per person, bodily injury liability per accident, and property damage liability.

Minimum Auto Insurance Coverage Requirements by State

As you can see, each state’s requirements can be significantly different from another. Additionally, some states require more coverage:

• Personal injury protection
• Medical payments
• Uninsured motorist coverage
  

Though most insurance companies help drivers ensure they meet their state’s requirements for coverage, it’s ultimately your responsibility as a driver to carry the proper coverage.

Optional Amazon Flex Delivery Driver Auto Insurance Coverages

Since Amazon Flex drivers have commercial coverage from Amazon when delivering goods, they’re not required to purchase commercial or business coverage. The only exception would be for drivers living in New York that aren’t covered by Amazon’s commercial insurance.

However, Amazon Flex drivers should consider carrying more than a liability-only policy to ensure they have the proper protection in the event of an accident. Liability insurance only covers other people and their vehicles if you’re in an accident, but you and your car don’t receive any help from a liability policy.

Collision coverage helps in an accident, and coverage extends to you and your vehicle even if you’re at fault. In addition, comprehensive coverage is helpful when your car gets damaged by theft, vandalism, inclement weather, or other incidents unrelated to an accident.

If your car is stolen, you won't be happy😡. That's an understatement. But will you be able to recover? Comprehensive auto 🚗insurance is what you need, and https://t.co/27f1xf1ARb has compiled a guide to help you through the process. Find out more here👉: https://t.co/GkLRGTslyx pic.twitter.com/XfJHky4ab5

— AutoInsurance.org (@AutoInsurance) September 24, 2023

Combining collision and comprehensive coverage into a full coverage policy offers protection that can help you in most scenarios. Anyone who drives frequently should consider purchasing these coverages and a liability policy.

How to Get Cheap Amazon Flex Delivery Auto Insurance

Amazon Flex drivers need car insurance but aren’t required to purchase commercial coverage. Instead, Amazon’s commercial auto insurance policy covers drivers when they’re actively making deliveries. Read more about delivery driver auto insurance.

If you drive for Amazon Flex, you should consider purchasing more than your state’s liability requirements. Additional Amazon Flex insurance coverage ensures you and your vehicle have adequate protection in case of an accident or damage.