Delivery Driver Insurance Compared: What DoorDash, Uber Eats, Instacart, Amazon Flex and Grubhub Say They Cover
Part of our gig driver insurance guide.
Every delivery platform requires you to carry your own auto insurance. What each one adds on top varies a lot: one publishes $1,000,000 of liability plus coverage for your car, another publishes occupational accident insurance and nothing for the vehicle. Below is what each platform says on its own pages, checked on October 1, 2026, and where the gaps sit.
Key takeaways
- Amazon Flex publishes the broadest terms: $1,000,000 auto liability, UM/UIM and contingent comprehensive and collision while you are actively delivering, in every state except New York.
- DoorDash and Uber Eats publish third-party liability only. Both say their coverage does not repair your car.
- Grubhub's driver guide describes free occupational accident insurance and tells drivers to have their own delivery coverage. We found no Grubhub page publishing an auto liability limit.
- We could not access any Instacart page publishing an auto liability limit, so we list Instacart as not published.
What does each delivery platform say it covers?
| Platform | Auto liability the platform publishes | When it applies | Damage to your own car | Your personal policy |
|---|---|---|---|---|
| DoorDash | $1M combined limit in most states; $250,000 in Kentucky | From accepting an order until it is marked delivered, unassigned or canceled | Not covered: "Damages sustained to a Dasher's vehicle are their responsibility" | Primary while online without an accepted order in most states; DoorDash lists waiting-period liability in Indiana, Kentucky, North Dakota and West Virginia |
| Uber Eats (Uber delivery) | State minimums while online and available; "up to $500,000" en route or on a delivery | Online through delivery | Not covered "at any period of a delivery" | Required at state minimums at all times on the app |
| Amazon Flex | $1,000,000 auto liability, plus UM/UIM | "While you're actively driving and delivering" | Contingent comprehensive and collision | Required for the Amazon policy to apply |
| Grubhub | Not published on the Grubhub pages we checked | Not published | Not published | Grubhub's guide says to have "your own delivery driver insurance coverage in place" |
| Instacart | Not published on any Instacart page we could access | Not published | Not published | Instacart's shopper contract page could not be loaded; check the agreement in your shopper app |
Sources for each row are listed at the end. Platforms update these pages; the date checked is October 1, 2026.
Does Amazon Flex insurance cover my car?
Amazon is the only platform in this comparison that publishes coverage touching your own vehicle. Its safety page says: "If you maintain personal auto insurance, you are protected under the Amazon Commercial Auto Insurance Policy while you're actively driving and delivering." The policy "includes auto liability coverage of $1,000,000, uninsured motorist/under-insured motorist coverage, and contingent comprehensive and collision coverage (passengers are not covered)."
Two conditions matter. Coverage depends on you maintaining personal auto insurance, and Amazon says the policy is provided "in all states besides New York," where "you may need additional commercial insurance to meet state law." Amazon's page does not state the contingent coverage's limit or deductible, so ask in the Flex app before you rely on a number.
What does Uber Eats insurance cover for delivery drivers?
Uber publishes separate terms for deliveries. While you are online and available, Uber's liability insurance "may cover the cost of injuries or damage in amounts up to at least state auto insurance minimums." While en route or on a delivery trip, Uber says it maintains "coverage up to $500,000 (or more, where required)" for third-party injuries and property damage when you are at fault.
That is half the $1,000,000 Uber publishes for passenger trips. And for your own car, Uber is direct: "Coverage maintained by Uber does not pay for repairs to your car at any period of a delivery." Uber also says it "does not maintain coverage for bikes, electric bikes or walking, unless required by law," and that rides and deliveries run under separate policies, so your coverage depends on which kind of trip you are on at that moment.
What does DoorDash cover?
DoorDash's coverage starts when you accept an order and ends when the order is marked delivered, unassigned or canceled. If you are online without an accepted order, DoorDash says your auto insurance is primary in most states. The exceptions it lists are Indiana, Kentucky, North Dakota and West Virginia, where it adds waiting-period liability of $50,000 per person and $100,000 per accident for injuries. Its page lists a $1M combined limit during an active order in most states and $250,000 combined in Kentucky, and states that damage to your vehicle is your responsibility. Coverage also requires that you be "considered liable for damages or injuries to another party." The two windows this leaves open are covered in detail in the DoorDash driver insurance gap.
Does Instacart or Grubhub provide auto insurance?
Neither publishes an auto liability limit on the pages we could access on October 1, 2026.
- Grubhub: Its driver blog says Grubhub "offers occupational accident insurance to all delivery partners at no cost," covering medical expenses and some disability benefits from delivery-related injuries. The same guide says "you should also have your own delivery driver insurance coverage in place." Occupational accident coverage is for your injuries; it is not liability coverage for people you hit, and it does not repair your car.
- Instacart: The Instacart shopper contracts page could not be loaded by our tools on October 1, 2026, so we cannot quote its insurance terms. Third-party sites describe Instacart liability coverage, but we cite only what a platform publishes, so we list it as not published. Check the shopper agreement in your app or ask Instacart support directly.
Occupational accident is not auto insurance. It pays toward your own medical bills and lost income after a work injury. It does not pay the other driver, and it does not fix your car. Compare it to auto coverage only after you know which problem you are trying to solve.
Where is your personal policy left exposed?
The same three gaps show up across platforms:
- Waiting for an order. DoorDash (in most states) and, beyond state minimums, Uber Eats leave this to you. Triple-I notes that the commercial-use exclusion in personal policies extends to "business deliveries," not just passenger rides.
- Your own car. Only Amazon Flex publishes contingent physical damage coverage. Everywhere else, your car is covered only if your personal policy includes delivery use.
- The trip back. The Texas Department of Insurance warns that a business's policy "might cover you when you are carrying goods for delivery, but not your drive to pick the goods up, the return trip, or side-trips for lunch or errands."
The same Texas guidance says some personal policies cover a paid delivery and others do not, and that optional delivery coverage added to a personal policy "typically costs less than a commercial policy." It also asks whether the food or goods you carry are covered, which many drivers never check.
If you also drive passengers, a rideshare endorsement may not extend to delivery. See rideshare insurance for part-time Uber or Lyft for how passenger coverage works.
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FAQ
Do I need commercial auto insurance to deliver for Amazon Flex? Amazon says its policy applies if you maintain personal auto insurance, in every state except New York. In New York, Amazon says you may need additional commercial insurance.
Does Instacart cover car accidents? We could not confirm an auto liability limit on any Instacart page we could access. Read the insurance section of your shopper agreement and ask Instacart support for its current terms in writing.
Does Grubhub insurance cover my car? Grubhub's published guide describes occupational accident insurance only and tells drivers to carry their own delivery coverage.
Is Uber Eats coverage the same as Uber rideshare coverage? No. Uber publishes up to $500,000 for deliveries versus at least $1,000,000 for passenger trips, and no coverage for your car at any point in a delivery.
What should I tell my insurer? That you deliver, for which apps, and roughly how often. The Texas Department of Insurance says if you do not tell your insurer you drive for business, "the company could deny your claims."
Sources
- Amazon Flex, "Deliver with Safety, Confidence, and Support," https://flex.amazon.com/safety/ (accessed October 1, 2026)
- Uber, "Delivery Driver Insurance," https://www.uber.com/us/en/deliver/insurance/ (accessed October 1, 2026)
- DoorDash Help Center, "Understanding Auto Insurance Maintained by DoorDash," https://help.doordash.com/en-us/dashers/article/understanding-auto-insurance-maintained-by-doordash (accessed October 1, 2026)
- Grubhub for Drivers, "A Guide to Delivery Driver Insurance," https://driver.grubhub.com/blog/delivery-driver-insurance-guide/ (accessed October 1, 2026)
- Texas Department of Insurance, "Delivering packages? What to know about auto insurance," https://www.tdi.texas.gov/tips/delivering-packages-what-to-know-about-auto-insurance.html (accessed October 1, 2026)
- Insurance Information Institute, "Ride-sharing and insurance: Q&A," https://www.iii.org/article/ride-sharing-and-insurance-qa (accessed October 1, 2026)
This comparison reports what each platform published as of October 1, 2026. Platforms are not insurers, and their coverage terms change. Nothing here is a coverage determination; confirm your situation with the platform and your insurer.