UPDATED: Apr 26, 2022
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What You Should Know
- There is no specific auto insurance for Postmates drivers.
- The type of auto insurance that delivery drivers need is called commercial coverage.
- A delivery driver is also required to carry their state’s minimum coverage.
In the age of COVID-19, no industry is booming quite like food delivery. You may very well be looking into jumping on the train by delivering for Postmates. Auto insurance is a must if you plan to do so, and you can follow the link to find out more about Coronavirus car insurance rates.
We understand that finding the right insurer can be a bit of a hassle. This is why we will go through everything step by step so you can get the coverage that’s right for you. You can start by typing your ZIP code into our helpful tool above to find Postmates driver insurance in your area.
Does Postmates give auto insurance?
If you’re looking to begin driving for Postmates, you probably have many questions relating to auto insurance. “Does Postmates have auto insurance coverage?” Postmates has a universal liability policy for its driving partners. However, this Postmate insurance only covers damages to another person’s vehicle.
“Do you need car insurance for Postmates?” You are required to have your state’s minimum coverage to become a driver in order to pay for any potential damages to your vehicle.
In essence, you must have your own coverage. Other Postmates driver requirements include being 18 years of age or older, passing a background check, and having access to a bicycle or insured vehicle. While you do not need to own said vehicle, you must be listed on the policy. This means you will need a clean driving record. Feel free to visit the following link if you find yourself asking, “What is considered a clean driving record?”
“Do you need special insurance coverage to use your car for work?” According to the U.S. Small Business Administration, you will need commercial coverage, which is explained further in this short video.
Commercial coverage is specifically geared toward businesses. In the event that you deliver for Postmates, your vehicle is your business. Here is a table showing average rates for commercial coverage and personal coverages.
As you can see, commercial coverage costs quite a bit more than personal coverages, and even then, rates can range widely. It is best to discuss the possibility of combining personal and commercial coverages with your insurer. You must also contact your insurer to inform them that you plan on driving commercially to begin with. Otherwise, you may be at risk for losing your coverage.
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How does Postmates work?
Jobs for Postmates are not particularly hard to come by. You will most likely be able to see quite a few available positions on sites such as ZipRecruiter.com, or you can visit their website directly at fleet.postmates.com.
“Can you have a passenger while driving for Postmates?” You can, but it is generally frowned upon. This is partially because having a passenger complicates the insurance if you are found to be at-fault for an accident. A search for Postmates insurance on Reddit shows that drivers tend to bring a passenger to help lighten the workload, but the company tends to prefer that their driving partners work alone.
Postmates Auto Insurance: The Bottom Line
In addition to your state’s minimum insurance requirements, you will also need to have commercial coverage in order to deliver for Postmates. If you don’t already have commercial insurance, purchasing it will make your premiums rise.
Should something happen on the road during your delivery, you will need to complete the Postmates Incident and Accident Report Form and email them to [email protected] Now that you know more about Postmates auto insurance, type your ZIP code into our free, helpful tool below to find on-demand delivery insurance in your area.