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

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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The Short of It

  • FreshDirect auto insurance isn’t provided by the company
  • A standard auto insurance policy will not protect you while delivering for FreshDirect
  • When you buy FreshDirect auto insurance, shopping around is the best way to save

When you start to drive for FreshDirect, it comes with a few questions. You may find yourself wondering, “What FreshDirect delivery problems will I face?” and “Do I need a special type of auto insurance?”

You may face a variety of driving scenarios and face many problems.

With that being said, you may not need full coverage car insurance, but you do need a commercial policy. Standard auto insurance will not pay a claim in the event of an accident while delivering orders for FreshDirect, and a FreshDirect tip is not going to be enough to cover the damage.

Looking for affordable FreshDirect auto insurance rates? Enter your ZIP code above to start comparing delivery driver insurance quotes from local companies for free.

Does FreshDirect require auto insurance for its delivery drivers?

While consumers may want to know, “Is FreshDirect a subscription service?”, potential drivers are wondering about auto insurance. To deliver for FreshDirect, you must have auto insurance. As noted, a standard policy is not going to cover you or your vehicle.

FreshDirect philanthropy keeps healthy meals on people’s tables. The delivery driver is a crucial component of this. Carrying a commercial auto insurance policy will ensure you are covered while making deliveries and that necessary orders arrive on time.

Commercial policies are pricey. To reduce rates, some insurance companies offer business-use policies. These policies can be added to a standard policy and are a bit more affordable. Insurers, like State Farm, typically provide the addition of business use to a standard policy. Read our State Farm auto insurance review to learn more.

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Who is the most affordable FreshDirect auto insurance company?

The most affordable FreshDirect auto insurance may vary depending on your driving situation. Auto insurance companies consider several factors while determining your risk level. Depending on how risky you are to insure will determine what your rates will be.

When determining risk level, insurance companies look at things like:

  • Age
  • Average Mileage
  • Driving Record
  • Claims
  • Education
  • Location

With that being said, GEICO and Progressive are known for offering great starting rates. Here is a look at some sample Progressive quotes to give you an idea of what you may be paying based on the policy you need.

FreshDirect Average Monthly Progressive Auto Insurance Rates by Policy
Type of Auto Insurance CoverageProgressive Average Monthly Sample RatesMonthly Rate Increase Sample (Compared with a Personal Policy)
Personal Auto Insurance (No Delivery)$105.83N/A
Personal Auto Insurance (+ Delivery)Not AvailableNot Available
Business-Use + Personal Auto Insurance (Food Delivery)$296.83180.47%
Business Only Auto Insurance (for Food Delivery)$273.08158.03%
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Sure, these rates are a bit pricier than a standard auto insurance policy. However, they do provide peace of mind and coverage in the event of an accident. Remember, auto insurance discounts can help cut down the cost of a commercial policy.

The best way to ensure you are getting the best bang for your buck is to shop around and compare FreshDirect auto insurance quotes. Start here by entering your ZIP code now and compare delivery driver insurance rates from local companies for free.