Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 1, 2022

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The Short of It

  • DoorDash requires its drivers to carry their own car insurance policies
  • DoorDash car insurance only covers third-party claims
  • Medical expenses can be covered with the DoorDash Occupational Accident Policy

What are the DoorDash auto insurance requirements? Drivers need to be 18 years old with a valid driver’s license, clean driving record, and a valid car insurance policy. 

What kind of insurance do I need for DoorDash? DoorDash insurance coverage only applies to third-party liability claims and will not cover any of your repair costs or medical bills.

Depending on your insurance company, you’ll need to buy a rideshare add-on or a new commercial policy if you work for DoorDash. Luckily, most major car insurance companies cater to rideshare drivers and offer affordable delivery insurance rates. The easiest way to find cheap rideshare insurance is to compare auto insurance quotes with multiple companies at once. 

Where can I buy DoorDash car insurance? Keep reading our guide to find the cheapest courier insurance companies in your neighborhood. We answer the most frequently asked questions about DoorDash auto insurance requirements, claims process, and how to find the right driver insurance policy for you.

What are the DoorDash auto insurance requirements?

DoorDash provides their drivers — called Dashers — with up to $1 million in basic form liability insurance. However, DoorDash insurance requirements explicitly state that all drivers must also have their own car insurance policies. 

If you want to start driving for DoorDash, you will need an up-to-date insurance policy, valid driver’s license, and a smartphone to download the DoorDash app.

The DoorDash insurance policy covers anyone or any property you injure or damage in an accident. DoorDash insurance only applies while on delivery, meaning only when the items are in your car. If you’re in an accident while waiting for a customer, your personal insurance will apply instead.

Take a look at the table below to see when and how DoorDash insurance applies:

Rideshare Phases

PhasesPhase MeaningCoverage
Phase 0Off duty, app is offYour personal policy covers you
Phase 1Available, app is on but you’re waiting for a customerYour personal policy and company liability do not cover you
Phase 2En route, you’ve accepted a customer and are on your wayCompany insurance covers you
Phase 3On Trip, customer is in your carCompany insurance is in full effect
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Unfortunately, a personal policy alone is not enough to cover a DoorDash crash. Once you clock in for DoorDash, your car becomes a work vehicle and will need a different type of insurance policy.

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What insurance do you need for DoorDash?

So, do you need special insurance for DoorDash? DoorDash car insurance requirements expect Dashers to maintain their state’s minimum level of coverage. However, minimum coverage will not be enough.

Even if you have full coverage, your personal policy will not cover any damages or injuries sustained while using your vehicle for work. Therefore, you will need to buy extra insurance to drive for DoorDash.

If you want to be wholly covered while driving for DoorDash, consider the type of car insurance you need:

  • Business-Use and Commercial Coverage: Extend coverage when using a vehicle for work and can include minimum liability and full coverage
  • Rideshare Insurance: Specialty policies that cater to both rideshare and delivery drivers

Commercial auto insurance is the most expensive, but it provides the most coverage. If you have a vehicle you use full-time for DoorDash, a commercial policy is in your best interest.

On the other hand, if you’re using DoorDash to supplement your income, rideshare add-ons will only add a few dollars to your monthly premiums. However, not every insurer offers rideshare insurance. So shop around and compare before you buy DoorDash insurance. You may benefit from comparing auto insurance companies that are good for low-use vehicles

How much does DoorDash insurance cost?

Now that you know what kind of insurance you need for DoorDash, you can decide which rates fit your budget. The table below shows the average commercial car insurance rates by vehicle:

Average Minimum and Maximum Monthly Insurance Rates for Commercial Policies by Vehicle Type

Vehicle TypeMonthly Minimum Commercial Auto Insurance RatesMonthly Maximum Commercial Auto Insurance Rates
Cab$416$833
Car$50$273
Delivery Van$275$516
Limousine$333$500
Semi-truck$667$1,041
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Your rates will vary based on where you live and how far and often you drive. For example, DoorDash drivers in Michigan could pay over $700/mo. for a commercial policy, while Maine drivers pay $100/mo. on average. 

How does commercial car insurance compare to rideshare insurance? The table below lists the rideshare insurance rates with the top companies:

Average Monthly Insurance Rates for Rideshare Programs by Company

CompanyAverage Monthly Rideshare Insurance Rates
AllstateAs low as $20 per year
ErieBetween $9 and $15 per month
MercuryAs low as $27 per month
SafecoAs low as $10 per month
State FarmApproximately 15-20% of the original premium
USAAAs low as $6 per month
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Rideshare insurance is much less expensive than a commercial or business policy. However, read your rideshare policy closely. Make sure you’re covered during every phase of delivery. 

Some rideshare add-ons still won’t apply during Phase 1. But with a commercial policy, you will be completely covered the whole time you’re working.

DoorDash Auto Insurance Disclosures & FAQS

Finding the right DoorDash auto insurance is more than just managing a budget. You want to make sure you’re protected on the road. Before buying any insurance coverage, research the Occupational Accident Policy — the DoorDash policy for work-related injuries. 

Does DoorDash offer health insurance?

Yes, the company offers health insurance to Dashers injured in an auto accident while using the app. 

The Occupational Accident Policy provides up to $1,000,000 in medical coverage and up to $500/week in disability coverage. 

The policy also offers up to $150,000 in survivor benefits. Coverage is automatically available to every Dasher in the United States without premiums, copays, or deductibles.

However, your state laws can limit DoorDash health insurance coverage. For example, Dashers in California may not be covered during Phase 1 or 2.

What happens if I’m injured while on delivery?

If you’re seriously injured on delivery, immediately call 911 or drive yourself to the closest hospital if possible. Once you’re able, you will need to file a claim with DoorDash to receive payments through the Occupational Accident Policy.

What happens if I’m in an accident on delivery?

If you’re able, call the police and alert DoorDash right away that you’ve been in an accident. Take photos of the accident and collect insurance information from any other drivers involved. You will need their information when you file a claim with DoorDash and your own insurance company. 

If you’re in an accident on delivery, realize that DoorDash insurance will not apply until your personal insurance coverages are met or if your insurer denies your claim.

The DoorDash Car Insurance Claims Process

DoorDash uses a third party to handle insurance and accident claims called Blue Star Claims. Otherwise, the auto accident claims process for DoorDash is similar to other insurance companies. 

You can file a DoorDash claim online, by phone, or by contacting claims customer service directly:

  • Visit BlueStarClaims.com to request claim forms for DoorDash and begin the process
  • Call 480-579-2405 for 24/7 DoorDash claim support
  • Email [email protected] to request that claims forms be expedited to you

Remember, before you file a claim, DoorDash car insurance coverage only applies to those you injure in an accident. You must file a claim with your own insurance company as well for any damages or injuries you sustain in a DoorDash accident. 

However, always complete the DoorDash car insurance claim process because the Occupational Accident Policy can cover health insurance costs.

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Why You Should Consider DoorDash Insurance that Fits Your Needs

Now that you know about DoorDash auto insurance requirements and the kind of coverage you need, it’s time to compare car insurance companies. Not all insurance companies will have the same coverage, and you’ll be able to find the best rates when you compare at least three different companies together. 

Overall, rideshare add-ons are the most affordable DoorDash insurance. Allstate offers the cheapest rideshare car insurance rates to DoorDash drivers. Read our Allstate auto insurance review to learn more.

However, you may not be covered the entire time you’re driving for work. Commercial car insurance provides complete coverage, but you’ll pay more expensive rates.

To find the right DoorDash insurance to fit your needs, it comes down to how often you’ll be driving your vehicle. Full-time Dashers can afford a commercial policy that will provide enough coverage. But if you’re only working part-time, rideshare add-ons can give you that extra cushion you need when you clock in on the DoorDash app.