Caviar Courier Auto Insurance: Rates & Requirements (2024)
A Caviar food delivery driver needs to carry at least the minimum liability coverage required by the state, but they may also be eligible for commercial coverage through Caviar Courier.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
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
UPDATED: Sep 22, 2023
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: Sep 22, 2023
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
- Caviar Courier is a food delivery service available in countless states across the country
- Caviar is a part of DoorDash, and Caviar drivers may be eligible for DoorDash commercial coverage
- If you work for Caviar Courier, you must have proper auto insurance coverage
How do you get food delivery car insurance? If you work for Caviar Courier, you may be eligible for commercial coverage through DoorDash. DoorDash owns Caviar Courier, and DoorDash offers auto insurance coverage to employees that meet specific requirements.
Whether you get car insurance with Caviar Courier through DoorDash or an insurance company, you must carry your state’s minimum liability car insurance coverage to drive legally. However, many Caviar drivers choose to purchase additional auto insurance coverage to ensure they are protected if they’re ever in an accident.
Does Caviar Courier offer car insurance?
Caviar Courier drivers can get auto insurance coverage through DoorDash’s commercial car insurance.
Keep in mind that the insurance only provides coverage to drivers when they are actively delivering food or other items. So if you’re driving for Caviar to a restaurant or from the restaurant to the customer, Caviar Courier car insurance could help cover your vehicle.
Caviar delivery reviews are extremely positive online, so it’s no surprise that people want to drive for the company. However, to become a Caviar driver, you must carry proper insurance on your vehicle. The company ensures you have access to a car and that your vehicle meets your state’s minimum liability car insurance requirements before offering you a job.
Once you get a job with Caviar Courier, you will have access to the company’s commercial coverage. Still, should an accident occur, the company requires that you first file a claim with your insurance provider when necessary.
In many cases, Caviar Courier commercial coverage will not have to cover a car accident, especially if your auto insurance provider is willing to cover the damage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Does a Caviar food delivery driver need special insurance coverage?
Every Caviar food delivery driver must carry liability coverage that meets their state’s minimum requirements. The table below shows the minimum auto insurance coverage required in each state.
Minimum Auto Insurance Coverage Requirements by State
States Coverages Limits
Alabama Bodily injury and property damage liability 25/50/25
Alaska Bodily injury and property damage liability 50/100/25
Arizona Bodily injury and property damage liability 15/30/10
Arkansas Bodily injury and property damage liability; personal injury protection 25/50/25
California Bodily injury and property damage liability 15/30/5
Colorado Bodily injury and property damage liability 25/50/15
Connecticut Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Delaware Bodily injury and property damage liability; personal injury protection 25/50/10
Washington, D.C. Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/10
Florida Property damage liability and personal injury protection 10/20/10
Georgia Bodily injury and property damage liability 25/50/25
Hawaii Bodily injury and property damage liability; personal injury protection 20/40/10
Idaho Bodily injury and property damage liability 25/50/15
Illinois Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Indiana Bodily injury and property damage liability 25/50/25
Iowa Bodily injury and property damage liability 20/40/15
Kansas Bodily injury and property damage liability; personal injury protection 25/50/25
Kentucky Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist protection 25/50/25
Louisiana Bodily injury and property damage liability 15/30/25
Maine Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 50/100/25
Maryland Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/15
Massachusetts Bodily injury and property damage liability; personal injury protection 20/40/5
Michigan Bodily injury and property damage liability; personal injury protection 20/40/10
Minnesota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/10
Mississippi Bodily injury and property damage liability 25/50/25
Missouri Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Montana Bodily injury and property damage liability 25/50/20
Nebraska Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Nevada Bodily injury and property damage liability 25/50/20
New Hampshire Financial responsibility only 25/50/25
New Jersey Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 15/30/5
New Mexico Bodily injury and property damage liability 25/50/10
New York Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/10
North Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 30/60/25
North Dakota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/25
Ohio Bodily injury and property damage liability 25/50/25
Oklahoma Bodily injury and property damage liability 25/50/25
Oregon Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/20
Pennsylvania Bodily injury and property damage liability; personal injury protection 15/30/5
Rhode Island Bodily injury and property damage liability 25/50/25
South Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
South Dakota Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Tennessee Bodily injury and property damage liability 25/50/15
Texas Bodily injury and property damage liability; personal injury protection 30/60/25
Utah Bodily injury and property damage liability; personal injury protection 25/65/15
Vermont Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/10
Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/20
Washington Bodily injury and property damage liability 25/50/10
West Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Wisconsin Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 25/50/10
Wyoming Bodily injury and property damage liability 25/50/20
While all states require bodily injury liability and property damage coverage, some require additional coverage, like personal injury protection (PIP), medical payments (MedPay), and uninsured or underinsured motorist coverage.
Because Caviar Courier commercial coverage through DoorDash only helps increase a driver’s liability coverage, you may still want to consider adding coverage to your policy to cover car accidents (collision insurance) or things like vandalism (comprehensive coverage).
Why should a Caviar driver consider commercial coverage?
Some Caviar Courier drivers purchase commercial coverage to ensure they have more liability protection.
Most commercial policies offer more coverage for property damage and personal injuries. In addition, many commercial car insurance policies cover legal fees if a delivery driver is at fault in an accident.
Some drivers who use their vehicles for deliveries purchase a business use policy, which offers coverage similar to a commercial policy but is often less expensive. If you only work for Caviar Courier part-time, you may be interested in adding this type of coverage to your personal policy.
If you drive your car for Caviar Courier and don’t tell your insurance company, your claim could get denied. So let your insurance company know if you use your vehicle as a delivery driver and ask about available options.
What are the best insurance companies for Caviar Courier drivers?
You’ll need to shop online and compare quotes from multiple insurance providers to find the best auto insurance coverage as a Caviar Courier driver. Some companies are known for offering helpful coverage to Caviar Courier employees at competitive rates. These companies include:
- USAA
- Erie
- Progressive
- Allstate
- Geico
- State Farm
Personal auto rates for delivery drivers vary based on their state and the coverage amount they choose. But you should be able to find competitive rates when comparing quotes from multiple companies in your area.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Caviar Courier Car Insurance: The Bottom Line
Caviar Courier provides commercial coverage to its delivery drivers when they are actively on delivery. Still, any delivery driver must carry their own insurance policy to drive legally in their state.
You may not want to carry additional commercial coverage. Still, you should talk to your insurance provider and tell the company that you are a delivery driver and make deliveries in your vehicle.
To find the best car insurance for a delivery driver, you should shop online and compare quotes from multiple companies.
Frequently Asked Questions
Can I use a rental vehicle for deliveries with Caviar Courier?
The use of rental vehicles for deliveries with Caviar Courier may be subject to specific policies and guidelines set by the company. It’s recommended to check with Caviar Courier to understand their rules regarding rental vehicles and insurance coverage while using a rented vehicle for delivery purposes.
What happens if my personal auto insurance denies coverage for a delivery-related accident?
If your personal auto insurance denies coverage for an accident that occurred while delivering for Caviar Courier, you should contact Caviar Courier or DoorDash to report the incident and inquire about their commercial insurance coverage. It’s important to cooperate with the claims process and provide all necessary documentation to ensure a smooth resolution.
Does Caviar Courier provide insurance coverage for theft or damage to my personal belongings in the vehicle?
No, Caviar Courier’s commercial coverage primarily focuses on liability protection for accidents that occur while actively delivering. Coverage for personal belongings would typically fall under comprehensive insurance, which is not provided by Caviar Courier. You may need to consult your personal insurance policy or consider adding comprehensive coverage to protect your belongings.
What should I do if I get into an accident while delivering for Caviar Courier?
If you’re involved in an accident while delivering for Caviar Courier, first ensure your safety and the safety of others involved. Then, follow standard accident procedures such as exchanging insurance information, documenting the accident scene, and notifying the authorities if necessary. Contact your insurance provider and report the incident as soon as possible.
Can I use my personal auto insurance for deliveries if I work for Caviar Courier?
It’s important to check with your personal insurance provider regarding coverage for deliveries. Some personal auto insurance policies may exclude coverage for commercial activities, including food delivery. It’s recommended to inform your insurance company about your delivery work and inquire about any available options for appropriate coverage.
Does Caviar Courier offer car insurance?
Yes, Caviar Courier drivers can obtain auto insurance coverage through DoorDash’s commercial car insurance. This insurance provides coverage when drivers are actively delivering food or other items.
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.