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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Written by Marissa Hayes
Insurance Writer & Expert Marissa Hayes

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 Daniel Walker

UPDATED: Jun 28, 2022

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The Short of It

  • 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 the same as a standard policy. More often than not, you will want to get a commercial policy to protect you while you’re at work. 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 insurance coverage. However, this coverage is only active while you have a consumer’s order in your vehicle. Once the items are delivered, coverage stops. However, Shipt car insurance requirements do extend beyond what they provide.

You will want to have some form of coverage to protect against any damage or injuries while you’re on the job. Which may end up going far above just your standard personal auto policy.

This is because if you are 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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Does adding Shipt raise your insurance premium?

Yes. Adding Shipt to your auto insurance will raise your rate.

The average rate for Shipt auto insurance is $273/month, but you can lower your rates with a business-use add-on to your personal policy.

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.

When you purchase auto insurance, insurance companies determine the risk level of insuring you by looking over things like:

  • Credit score
  • Age
  • Driving record
  • Education
  • 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.

Shipt Average Monthly Progressive Auto Insurance Rates by Policy
Type of Auto Insurance CoverageProgressive 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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In Summary

Even though your personal car insurance won’t be enough, you will have plenty of options when it comes to working for Shipt.

While these commercial car insurance policies can be pretty costly, remember that discounts can make them much more affordable. Plus, it’s better to be safe rather than sorry when it comes to using your vehicle for business purposes.

Shopping around is the most cost-effective way to ensure you get the best Shipt car insurance quotes. Enter your ZIP code now and quickly compare rates.