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

  • Walmart delivery insurance isn’t offered through the company
  • If you get in an accident while on a delivery, standard insurance policies won’t cover you
  • When delivering for Walmart through Uber, the insurance coverage is a bit different

If you drive for Uber, Spark, Postmates, or a variety of other delivery services, you may find yourself delivering Walmart products. More often than not, you will need to buy an auto insurance policy to cover you while you work.

Walmart delivery insurance is not provided through Walmart. If you drive for Uber, you will have limited coverage. Buying a commercial or adding a business-use policy from a top-rated insurer like State Farm or Allstate will ensure you are covered in the event of an accident.

Quickly find affordable Walmart delivery auto insurance rates when you comparison shop online. Start here by entering your ZIP code above to get free delivery driver insurance quotes from local companies near you.

What kind of Walmart delivery auto insurance do I need?

Walmart Spark delivery driver reviews have stated that a commercial policy is needed to ensure you are covered while making deliveries for Walmart. It is essential to note some insurance companies allow the addition of business use to a standard policy for delivery coverage.

As a Walmart delivery driver, you are going to be all over the place. Commercial policies provide coverage whether you have an order in your vehicle or not. Some companies, like Uber, will provide coverage while you have an order in your vehicle but at no other point.

Many drivers worry about their Walmart Spark delivery driver pay taking a big hit because of the higher cost for a commercial policy. However, most insurance companies have discounts that can help you achieve affordable Walmart delivery auto insurance rates.

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What is the cheapest Walmart delivery auto insurance company?

Pretty much all of the major insurance companies offer commercial policies. However, the cost can vary dramatically. Shopping around for the best rates ensures you get to keep more of your paycheck.

If you find a commercial policy is just too steep, consider adding business use to your personal policy may be a good solution. Business use policies are typically a little cheaper than commercial policies.

With that being said, you can find some great rates from Progressive and GEICO when you are looking for affordable commercial policies. Both of these companies offer decent base rates and excellent discount options.

Keep in mind that insurance companies will figure out your risk level and then come up with a personalized base rate. When figuring out risk, they will look at:

  • Age
  • Driving Record
  • Number of Claims
  • Credit Score
  • Education

Here are some sample rates from Progressive so that you have an idea of what your insurance costs may be.

Walmart Delivery 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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Commercial coverage is more expensive, as you can see. However, the coverage and peace of mind that it offers make it well worth the investment.

When you are ready to buy Walmart delivery auto insurance, enter your ZIP code and see how much you can save when you compare rates from multiple local companies at once.