5 Best Commercial Auto Insurance for Delivery Drivers

Thang Truong
Thang Truong
Updated on:

If you are a delivery driver, you know that you need commercial auto insurance to protect your vehicle and you while you’re on the road. Whether you drive for a large company or are a self-employed freelance gig worker, you won’t be covered in an accident if you don’t have the appropriate insurance. Let’s look at commercial auto insurance for delivery drivers and discuss what it is and which 5 companies we think are best for your situation. 

5 best commercial auto insurance companies for delivery drivers 

If you deliver goods as your source of income, you require commercial auto insurance to protect yourself and your vehicle. Your personal insurance coverage alone won’t cover you when driving your car for work. We’ve chosen five companies to review for you here. 

  • Progressive: Best Overall
  • InsurePro: Best for short-term and pay-per-day coverage
  • biBERK: Best for low-cost coverage
  • THREE: Best for comprehensive delivery commercial auto policy
  • GEICO: Best for hybrid rideshare policy

We attempted to get quotes from three companies for commercial auto insurance for delivery drivers. We were successful in getting two of the three. The third was having technical difficulties, and their website was down. We got a quote for a delivery driver delivering parcels using a 2012 Dodge Caravan. 

Progressive: Best Overall

Progressive offers coverage for delivery drivers who use their personal vehicles to deliver packages or food for different companies or their own companies. You can access quotes online and complete the information process for purchasing your policy online. 

Progressive prides itself on its customer service. You can bundle a commercial policy with a personal policy or other policies (like homeowners) to save money. They also offer safe driver programs to help save on your premium.

The quote we received is for the life of the policy, 12 months. It costs $1,389 per year, or $120 per month. They offer monthly payments that you can choose to make, but the amount you see on the quote is the complete policy payment if you pay by the month. However, you will save some money if you pay for the entire premium at once. 

Graphical user interface, website

Description automatically generated

InsurePro: Best for short-term pay-per-day coverage

InsurePro calls itself an insurance marketplace. They shop for and compare rates from more than 20 insurance companies. InsurePro prides itself on helping customers find the right policy to meet their needs. They check with multiple companies to get the best possible rates. 

InsurePro offers coverages mandated by state laws. They also provide additional coverages to suit your personal needs. 

The unique differentiator of InsurePro is its short-term pay-per-day commercial auto coverage. If you only drive part-time or only need coverage for a short period, InsurePro is the best option for you. You will be able save lots of money thanks to its short-term coverage.

We attempted to get a quote from InsurePro for the same delivery driver that we got other quotes for, but unfortunately, InsurePro’s website was down, and we were unable to get a quote successfully. 

biBERK: Best for low-cost coverage

biBERK is one of the Berkshire Hathaway insurance companies. The company’s focus is a simple online shopping experience. You can do most of your business with them online, but they also have agents available if you need them. 

biBERK focuses on its direct-to-customers business model, bypassing agents and brokers. They focus on cutting costs, passing savings to its customers, and helping them save on premiums. They claim that they help save their customers 20% on premiums.

We got a quote from biBERK for our delivery driver in the Grand Caravan. biBERK quoted the monthly premium price. You’ll see the result below. 

Graphical user interface, application, website

Description automatically generated

THREE: Best for comprehensive delivery commercial auto policy

THREE is another Berkshire Hathaway insurance company. The company’s goal is to provide its customers with simple, easy-to-understand policies. They strive to keep the length of their policies to no more than three pages. 

A small business policy from THREE includes general liability, commercial property, cybersecurity insurance, workers’ compensation, and commercial auto insurance all in one policy. Most other companies write those as separate policies with separate premiums. 

GEICO: Best for a delivery hybrid policy

GEICO does its delivery driver insurance differently than other companies. The company offers a hybrid policy that replaces a personal policy and covers you regardless of why you are driving. If you choose to purchase a GEICO rideshare hybrid policy, you can drive for as many companies as you want and still be covered by the same policy. 

The policy could offer a deductible that is as low as $250. This hybrid policy offered by GEICO is available in 40 out of 50 states. The agent who provides you with your quote will tell you if the policy is available in your state. 

What is commercial auto insurance for delivery drivers?

Commercial auto insurance for delivery drivers protects the policyholder while they are actively on their route, actively delivering. If something happens while they are on the job, the insurance will help with medical expenses and other costs. 

This helps drivers feel confident about working in the delivery industry. If there is a mishap, the insurance company can cover the damage covered by your policy, and you won’t be out of pocket for the costs. 

Who needs commercial auto insurance for delivery drivers?

Anyone who uses their personal vehicle for delivery needs to consider a commercial auto insurance policy. Their personal policy will likely not cover the liability of an accident on the job. Personal auto insurance policies may not cover your damages if you have an accident while delivering food or other goods.  

How much does commercial auto insurance for delivery drivers cost? 

The prices for commercial auto insurance for delivery drivers vary based on several factors. For one thing, the cost of premiums will be different if you must have a completely different policy or if your company has an add-on for rideshare and delivery. 

The average cost of a complete commercial auto insurance policy is $175 per month, or $2,100 per year. Most people pay from $120 to $250 per month for a standard commercial auto insurance policy.

An add-on is simply an addition to your personal auto policy. It will increase your rates slightly, but it won’t be as expensive as purchasing a straight commercial policy. The average cost of a rideshare add-on to a personal auto insurance policy is $18 per month. It usually costs from $9 to $32 per month, depending several factors.

In addition to the kind of policy and coverage level you purchase, the type of car you drive can affect your rates. Personal details like your driving record also affect your rates, as does your location. 

Shopping around for quotes is beneficial for anyone purchasing auto insurance, whether commercial or personal. The best companies will help you create a policy that is affordable for you with easy claims procedures and available discounts. 

How to find cheap commercial auto insurance for delivery drivers?

There are a few ways to help you find cheap delivery driver insurance. Here are the tips we’ve compiled for searching for cheap commercial auto insurance for delivery drivers. 

  1. Shop around for the best rates. Shop multiple companies or compare quotes using a digital broker.
  2. Maintain a clean driving record.
  3. Use any “safe driving” monitoring equipment your company offers to get the best rates.
  4. Buy your cars based on their safety ratings and maintainability.
  5. Think about taking driving classes to reduce rates.  

Final thoughts

If you’re a delivery driver who uses your own car to deliver goods, you need specialized insurance to keep you covered when you work. Your personal auto policy won’t cover you if you have an accident when delivering items.

Thang Truong
Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

More Stories

Milepost Joins Truckstop: A New Dawn for Commercial Truck Insurance

The trucking industry is about to witness a significant shift in how insurance policies are procured, managed, and serviced. Milepost Insurance Agency LLC, a renowned Berkshire Hathaway enterprise, has recently collaborated with Truckstop, thereby pioneering a new era in trucking insurance for independent owner-operators. Revolutionizing the Insurance Experience The primary aim behind this dynamic partnership […]

Thang Truong
Thang Truong

Navigating Commercial Truck Insurance Premiums in 2023

Commercial truck insurance has become a focal point for many in the transportation sector as we delve deeper into 2023. With premiums seeing significant spikes in recent years, stakeholders are asking: Are we approaching a stabilization or even a decrease in these rates? Insights from industry experts provide clarity on this critical concern. Trends in […]

Thang Truong
Thang Truong

Regulatory Changes and Rising Commercial Truck Insurance Costs in California

In the wake of the passing of California’s AB5 bill, the trucking industry, including drivers and insurers, face unforeseen challenges. The legislation threatens to severely disrupt contractual trucking gigs, leading to rising insurance costs and potential operational changes. AB5 – A Potential Setback for Owner-Operators AB5, signed into law by Governor Gavin Newsom in 2019, […]

Thang Truong
Thang Truong

Finding Balance in Commercial Truck Insurance: Costs, Value, Services, and Long-Term Benefits

Navigating the maze of truck insurance offerings is not just a matter of finding the lowest price. It’s about understanding the nuances of what you’re buying, considering long-term benefits, and ensuring a harmonious relationship with your provider. This article offers a detailed examination of the process, unfolding the aspects of costs, value, services, honesty, and […]

Thang Truong
Thang Truong

New SEC Regulations on Cybersecurity and AI: A Comprehensive Overview

In an era where technology is at the forefront of business operations, the U.S. Securities and Exchange Commission (SEC) is taking decisive steps to ensure transparency and ethical practices. On Wednesday, the SEC was set to introduce new regulations that will impact publicly traded companies in two significant areas: cybersecurity and artificial intelligence (AI). These […]

Thang Truong
Thang Truong

6 Best Malpractice Insurance for Nurse Practitioners for 2023

Nurse practitioners have a great deal of responsibility when it comes to patient care. Many nurse practitioners assume that because they work under a doctor and their employer provides some level of malpractice insurance, they’re covered. It may be worth it to purchase your own policy, however. Employer malpractice insurance is to protect the employer, […]

Thang Truong
Thang Truong

6 Best Warehouse Insurance and Costs for 2023 

In the fast-paced world of logistics and supply chain management, warehouses play a pivotal role. They serve as the backbone of industries, storing a wide variety of goods that are integral to our daily lives. However, with such responsibility comes a multitude of risks. From natural disasters and fires to theft and accidental damage, warehouses […]

Thang Truong
Thang Truong

5 Best Retail Insurance Companies & Costs for 2023 

The retail industry can be an exciting and profitable venture. However, it’s also fraught with risks that could potentially disrupt operations and result in significant losses. This is where retail insurance comes in. 5 best retail insurance companies Simply Business: Best for comparing several quotes from top-tier carriers  Simply Business is a leading online insurance […]

Thang Truong
Thang Truong

How Much Does Daycare Insurance Cost in 2023? 

In the ever-evolving landscape of childcare, ensuring the safety and well-being of the children under your care is paramount. One crucial aspect of this responsibility is securing comprehensive daycare insurance. This coverage not only protects your daycare business from potential liabilities but also provides parents with the assurance that their children are in a safe […]

Thang Truong
Thang Truong

7 Best Film Production Insurance, Cost, & Coverage

The world of film production is thrilling, dynamic, and filled with creativity. However, it also comes with considerable risks ranging from personal injuries and equipment damage to legal issues. To mitigate these risks and protect the investment, having a comprehensive film production insurance is essential. This article aims to provide an understanding of why such […]

Thang Truong
Thang Truong