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

  • Seamless doesn’t provide its drivers with insurance
  • Your insurer will deny a claim that happened on the job if you only have a personal policy
  • It would be for the best to exceed your state’s minimum insurance requirements

What insurance companies cover delivery drivers? How do I become a Seamless driver? How much does Seamless delivery driver insurance cost?

We will cover not only what type of auto insurance coverage you need to be a Seamless delivery driver, but how you can get it for an affordable cost.

Before you buy Seamless delivery driver insurance, type your ZIP code into our free and helpful tool above. With it, you will be able to find the cheapest delivery driver insurance companies in your area.

What are the minimum requirements for Seamless delivery driver insurance?

Because Seamless doesn’t cover its drivers, will you need to procure your own coverage?

You must make sure that you have at least the state’s minimum when it comes to liability coverage. Otherwise, there will be substantial out-of-pocket payments in the case of an accident.

Now, let’s move on to what specific car accident insurance you need to be a delivery driver.

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Do I need commercial coverage for Seamless delivery driver insurance?

Insurance companies see delivery driving as using one’s vehicle as a business and will almost certainly require you to hold commercial coverage as a delivery driver.

According to the US National Library of Medicine National Institutes of Health, delivery drivers have a high accident rate. This means you may want to even exceed your state’s minimum requirements for liability coverage.

How much is commercial auto insurance?

Finally, let’s take a look at the average rates for commercial auto insurance in the United States by vehicle type.

Commercial Auto Insurance Average Annual Rates
Vehicle TypeMinimum Average Annual Rates for Commercial Auto InsuranceMaximum Average Annual Rates for Commercial Auto Insurance
Semi$8,000 $12,500
Cargo/Delivery Van$3,300 $6,200
Limo$4,000 $6,000
Cab$5,000 $10,000
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Many delivery drivers use a standard four-door sedan. If you’re one of them it’s good news. As you can see, you’ll get cheaper Seamless delivery driver insurance rates in a smaller car than in a larger vehicle.

Don’t let your comparison shopping stop here with Seamless delivery driver insurance. Type your ZIP code into our free and helpful tool below to find affordable delivery driver insurance quotes in your area.