Walmart Delivery Auto Insurance: Rates & Requirements (2024)

Walmart’s grocery delivery service is available in most states, and delivery drivers may be wondering if their personal policy provides enough Walmart delivery auto insurance. If you work for Walmart and deliver groceries while on the clock, you’re covered by Walmart’s commercial policy.

However, individual drivers working for a rideshare or delivery company will need business or commercial coverage. Personal policies will not cover Walmart delivery, but you can buy affordable food delivery car insurance from most companies.

Drivers should possess the minimum state auto insurance in order to deliver groceries, but commercial or food delivery insurance will provide the additional coverage needed while you’re on delivery. Keep reading to learn which insurers offer the best Walmart delivery driver car insurance rates.

Walmart Delivery Auto Insurance vs. Rideshare Auto Insurance

Insurance companies view delivery driving differently from carrying passengers. Most auto insurance companies won’t provide personal insurance coverage for delivering groceries or packages for compensation.

If you deliver groceries for Walmart through Uber, the company’s $1 million commercial liability auto insurance will cover the actual delivery. Uber’s commercial liability policy covers grocery deliveries for Walmart, but drivers must meet their state’s auto insurance minimums to apply.

Ridesharing And Transportation Network Companies (TNCs)

Lyft and Uber are ridesharing companies and are also called Transportation Network Companies (TNCs).

Insurance commissioners in most states have worked with insurers to develop ridesharing policy add-ons. The add-ons are designed to offer insurance benefits for drivers who carry passengers for:

• Uber
• Lyft

State insurance websites often list insurance companies that will provide TNC driver insurance.

Risks of Delivering Food for Walmart

You can be responsible for carrying large orders, including heavy bags of pet food or flats of soft drinks. You could experience a higher accident risk because these items might unexpectedly shift while you’re driving.

If you don’t tell your insurance company that you’re delivering food for Walmart, the company could cancel your policy. If you do have an accident while making a delivery, chances are high that your insurer will find out.

Even if you’re a Walmart employee occasionally dropping groceries off on the way home, car insurance companies see delivery driving as risky.

Each state has penalties for car insurance fraud which include fines and potential jail time. You already know that your car insurance could be canceled. If your insurance is canceled, then you could face a suspended driving license or vehicle registration.

Walmart Delivery Auto Insurance Accidents and Claims

Uber Eats drivers picking up and delivering food from Walmart are covered by Uber’s one million dollar commercial policy after they have picked up food at the store and while they are en route to drop off the food.

Uber’s one million dollar liability coverage will pay for bodily injury to passengers or third-party vehicle damage.

Understanding how your car insurance interacts with commercial insurance, whether you are an Uber driver or a Walmart employee dropping off groceries on the way home, is crucial when you’re comparing insurance policies.

Learn More: How to File an Auto Insurance Claim

Next Steps to Get Walmart Delivery Auto Insurance

Some insurance providers offer commercial or small business insurance designed for people who have to drive their cars as part of their job. These policies could have begun as products for on-the-road salespeople, floral delivery drivers, or even pizza delivery drivers.

Insurance for delivering food for Walmart can be available if your state and city. An insurance policy for small business delivery services can be affordable, especially if you speak with the company before you start making deliveries.

Companies and insurance commissions are working out the details of fair pricing and responsibility and have already helped to make add-ons for Uber and Lyft driving for passengers available in nearly every state.