Best Auto Insurance for Shipt Drivers in 2024
What kind of insurance do you need as a Shipt driver? Here's everything you need to know about Shipt auto insurance requirements.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Shipt drivers have to meet their state’s minimum liability requirements to drive legally
- Shipt does not provide its drivers with auto insurance coverage when making deliveries
- You should consider adding coverage options to your liability policy to ensure you’re protected if you’re ever in an accident
Knowing what kind of auto insurance coverage you need as a Shipt delivery driver is not always easy. You want to be protected if you’re ever in an accident, but you don’t want to pay too much for car insurance.
While driving for Shipt may offer the flexibility and freedom you want in a job, it will likely cause you to pay more monthly or annual rates for auto insurance coverage. This is because Shipt does not provide its drivers with auto insurance while they’re on the clock, but the company does require drivers to meet their state’s minimum liability auto insurance limits.
Does Shipt provide drivers with Shipt auto insurance?
To be a Shipt driver, you must find your own car insurance. Some delivery companies provide their drivers with proper auto insurance coverage when they’re working, but there is no option for Shipt car insurance coverage.
Instead, Shipt requires its drivers to maintain the proper levels of coverage based on each state’s laws. In addition, Shipt has a few more requirements for its delivery drivers. They must:
- Be at least 18 years old.
- Have a U.S. driver’s license.
- Have a vehicle that is 1997 or newer.
- Be able to lift up to 40 pounds.
- Be knowledgeable about the produce selection available in a supermarket.
- Have a smartphone.
Shipt does not specify the type of coverage a driver must have, so driving for the company necessitates having auto insurance coverage that meets your state’s minimum requirements. However, you should consider additional coverage to ensure you’re adequately protected if you’re ever in an accident.
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How much liability insurance do I need for Shipt?
There is no federal law concerning liability coverage for drivers. Instead, the minimum car insurance required in each state varies. Depending on where you live, you may need specific property damage insurance and bodily injury coverage on your vehicle. The table below shows each state’s requirements for car insurance.
Minimum Liability Auto Insurance Requirements by State
State Limits
Alabama 25/50/25
Alaska 50/100/25
Arizona 15/30/10
Arkansas 25/50/25
California 15/30/5
Colorado 25/50/15
Connecticut 25/50/20
Deleware 25/50/10
District of Columbia 25/50/10
Florida 10/20/10
Georgia 25/50/25
Hawaii 20/40/10
Idaho 25/50/15
Illinois 25/50/20
Indiana 25/50/25
Iowa 20/40/15
Kansas 25/50/25
Kentucky 25/50/25
Lousiana 15/30/25
Maine 50/100/25
Maryland 30/60/15
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/25
Montana 25/50/20
Nebraska 25/50/25
Nevada 25/50/20
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 25/50/25
Oklahoma 25/50/25
Oregon 25/50/20
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/15
Texas 30/60/25
Utah 25/65/15
Vermont 25/50/10
Virginia 25/50/20
Washington 25/50/10
West Virginia 25/50/25
Wisconsin 25/50/10
Wyoming 25/50/20
So, if you live in Delaware, you will need to carry $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $10,000 in property damage.
But if you compare Delaware’s requirements to the state minimums in New Jersey, you’ll notice a difference in coverage limits. So you must pay attention to your state’s requirements to ensure you have the coverage you need.
How much is Shipt car insurance?
The amount you will pay for auto insurance as a Shipt driver depends on several factors, including:
- Age
- Gender
- Marital status
- Car make and model
- Credit score
- Driving history
- Coverage types
- ZIP code
If you only plan to carry your state’s minimum liability coverage when you drive for Shipt, your rates will probably be pretty low. Check the table below to see your state’s average cost for liability coverage.
Average Annual Liability Auto Insurance Rates by State
States Average Annual Liability Rates
North Dakota $296
South Dakota $306
Iowa $310
Wyoming $341
Maine $353
Vermont $357
North Carolina $359
Kansas $365
Idaho $368
Nebraska $377
Wisconsin $381
Indiana $393
Montana $400
New Hampshire $406
Ohio $406
Arkansas $412
Alabama $417
Tennessee $427
Missouri $436
Virginia $437
Illinois $460
Minnesota $461
Hawaii $462
Oklahoma $470
Mississippi $471
California $504
West Virginia $508
Pennsylvania $509
New Mexico $510
Utah $510
Kentucky $541
Colorado $542
Arizona $543
Texas $550
South Carolina $554
Countrywide $555
Alaska $567
Georgia $597
Oregon $609
Washington $610
Massachusetts $612
Maryland $633
District of Columbia $663
Connecticut $685
Nevada $716
Rhode Island $790
Delaware $808
Louisiana $814
Michigan $816
New York $823
Florida $885
New Jersey $896
As you probably already know, you will pay more for car insurance if you add coverages to your liability policy. However, adding coverage is the only way you’ll be fully covered if you’re in a wreck.
Should I carry more than liability as a Shipt driver?
Shipt does not require that you carry more than your state’s minimum liability requirements, but you should consider adding coverages to your policy for added protection.
There are many different types of auto insurance coverage. The most common way drivers add coverage is to purchase a full coverage policy, essentially adding collision and comprehensive insurance to a liability policy. For example, full coverage auto insurance will protect you and your vehicle if you’re in an accident or if your car is damaged while parked.
Collision car insurance comes into play when you’re in a wreck. Collision pays for the necessary repairs following an accident, while liability coverage only covers damage to other people and their vehicles.
Unlike collision coverage, comprehensive insurance will cover your vehicle if it’s damaged in a non-accident-related event. Some of the most common incidents covered under a comprehensive policy include:
- Damage caused by animals
- Flood damage
- Hail damage
- Fire damage
- A broken or damaged windshield
- Vandalism
- Theft
A full coverage policy will help any driver stay protected on the road, but your insurance policy may have stipulations concerning coverage when driving for work purposes. If you find a personal insurance policy will not offer you proper coverage as a Shipt driver, you may want to pursue commercial auto insurance.
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Do Shipt drivers need commercial car insurance?
Commercial auto insurance will cover you when driving a car for work purposes. If you drive your vehicle and primarily work part-time rather than full-time, you may be able to purchase a business use add-on and save money on commercial coverage.
Since there is no option for Shipt commercial car insurance, you’ll need to speak with your car insurance company to see what coverage you need as a delivery driver.
Auto insurance providers often see the business use of a vehicle as more of a risk than someone using their vehicle for personal use. Because of this, your insurance company may require you to purchase a commercial policy.
Commercial auto insurance can cost a lot more than a personal insurance policy, so you should ensure you need the coverage before purchasing it. Speak with your insurance provider if you have any questions.
Shipt Auto Insurance: The Bottom Line
As a Shipt driver, you must carry your state’s minimum liability requirements for coverage. Shipt does not offer car insurance, so you’ll need to purchase a policy on your own.
Though Shipt only requires liability, you may want to purchase additional coverage to make sure you’re protected. For example, you can get a full coverage policy on your car, but this coverage may not extend to the business use of your vehicle.
Another option you may want to consider is commercial coverage. Speak to your insurance provider to see if you can include a business use add-on to your existing policy. In addition, you can shop online and compare quotes from multiple companies to ensure you get the best policy at the lowest price.
Frequently Asked Questions
Does Shipt provide drivers with Shipt auto insurance?
No, Shipt does not provide auto insurance coverage for its drivers. Shipt drivers are required to maintain the proper levels of coverage based on their state’s laws.
How much liability insurance do I need for Shipt?
The minimum liability insurance required varies by state. Each state has its own requirements for bodily injury liability per person, bodily injury liability per accident, and property damage liability. It is important to check your state’s requirements to ensure you have the necessary coverage.
How much is Shipt car insurance?
The cost of car insurance for Shipt drivers depends on several factors, including the driver’s location, driving history, and the coverage options selected. Rates for liability coverage may be lower if you only carry the state’s minimum requirements.
Should I carry more than liability as a Shipt driver?
While Shipt does not require drivers to carry more than the state’s minimum liability requirements, it is recommended to consider additional coverage for added protection. This may include collision and comprehensive coverage to ensure you are fully covered in case of an accident or damage to your vehicle.
Do Shipt drivers need commercial car insurance?
Shipt does not offer commercial car insurance. If you primarily use your vehicle for work purposes as a Shipt driver, you may need to speak with your car insurance company to determine if you require commercial coverage. Some insurance companies may require drivers to purchase a commercial policy for business use of their vehicles.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.