Shipt Auto Insurance (2021)
Shipt auto insurance is provided by the company. However, it only covers you during specific time periods while making deliveries. Buying a commercial Shipt auto insurance policy will ensure you are covered in the event of an accident. The average rate for Shipt auto insurance is $273/mo but you can lower you rates with a business-use add-on to your personal policy.
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UPDATED: Jun 3, 2021
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- Shipt auto insurance coverage needs to be purchased by the driver
- While driving for Shipt, a standard auto insurance policy will not cover an accident
- Shipt will cover some accidents if they involve a Shipt shopper
Figuring out what kind of insurance you need as a Shipt delivery driver can be confusing. With grocery delivery services becoming more popular, insurance is a hot topic.
Shipt auto insurance won't be a standard policy. More often than not, you will want to get a commercial policy. Additionally, there is the possibility of business-use coverage being added to a standard policy. GEICO and State Farm are good places to start looking if you want a business-use policy.
Before you buy Shipt auto insurance, enter your ZIP code now and compare delivery insurance rates from various companies for free.
Is auto insurance provided through Shipt?
The answer to this is yes and no. Shipt does things a little bit differently than other delivery services. Shipt gives its driver's liability coverage. However, this coverage is only active while you have a consumer's order in your vehicle. Once the items are delivered, coverage stops.
If involved in a Shipt car accident without an order in your car, neither Shipt nor your standard auto insurance policy will cover the claim. To make sure any accidents are covered, you need a commercial or business-use policy.
Commercial policies are a bit pricey, and Shipt auto insurance rates are no exception. However, investing in the right type of policy will ensure you can keep working and earning money. If you look into adding business use to your standard policy, you may find that it is a little cheaper than a commercial policy.
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Who is the most affordable Shipt auto insurance company?
Shipt auto insurance is offered by all of the top-rated insurance companies, but several individual factors play a role in how much you will end up paying.
Insurance companies determine the risk level of insuring you by looking over things like:
- Credit Score
- Driving Record
- Number of Claims
Two of the most affordable companies for commercial Shipt auto insurance policies are GEICO and Progressive. They are known for having reasonable base rates, and they both offer a good amount of discounts.
We have put together some sample rates from Progressive so you can get an idea of what you may be paying for a non-standard insurance policy.
|Type of Auto Insurance Coverage||Progressive Monthly Sample Rates||Monthly Rate Increase Sample (Compared with a Personal Policy)|
|Personal Auto Insurance (No Delivery)||$105.83||N/A|
|Personal Auto Insurance (+ Delivery)||Not Available||Not Available|
|Business-Use + Personal Auto Insurance (Food Delivery)||$296.83||180.47%|
|Business Only Auto Insurance (for Food Delivery)||$273.08||158.03%|
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While these policies can be pretty costly, remember that discounts can make them much more affordable. Shopping around is the most cost-effective way to ensure you get the best Shipt auto insurance quotes. Enter your ZIP code now and quickly compare rates.