Insurance for DoorDash drivers

DoorDash drivers are required to carry their state’s minimum car insurance coverage in order to drive for the company. But not all insurance carriers cover incidents that happen while dashing. You may need special rideshare coverage in order to file a claim with your insurer.

In addition to basic coverage you purchase, limited DoorDash insurance provided by the company can help with some liability costs – if the accident occurs when you’re dashing and your own auto insurance claim has been denied. 

Let’s break down each type of coverage option so you know what policies you need to financially protect yourself (and others) while dashing. 

DoorDash insurance requirements

In addition to the driver requirements, DoorDash has insurance requirements that are dictated by the state in which you’re driving. Each state has its own minimum coverage rules, and you must have an auto insurance policy that meets the minimum (or exceeds it). Check your state’s Department of Motor Vehicles (DMV) website to find out what kind of policy you need.

Some states require a fair amount of coverage, while others are much more lax. Here’s a comparison of two states with very different requirements to give you a sense of how location impacts your DoorDash car insurance. 

New Hampshire doesn’t require auto insurance, while Michigan has some of the highest minimums in the country.

Using personal insurance for DoorDash drivers is another issue that varies by state. Many insurance companies won’t allow a personal car insurance policy to cover accidents that occur while dashing. Check with your specific insurance agency to understand the rules in your area so you don’t get dropped from your policy when filing a claim in the future. 

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Supplemental auto insurance options to consider for dashing

If you’re wondering if you need special insurance for DoorDash, the answer is likely yes.

In many states, you can purchase additional rideshare coverage on top of your personal auto insurance policy. Even though you’re not transporting passengers as a Dasher, this type of policy usually provides coverage if you get into an accident while delivering food.

But rules vary by state, so you should still check on what coverage is best for you based on where you live. 

How much supplemental rideshare coverage costs

Most websites cite rideshare coverage prices as between $10 and $30 per month on top of your personal policy. Your price is largely determined by your driving record, which you may access as part of your DoorDash background check.

Plus, it’s tax deductible as a business expense, which helps lower the taxable income on your dashing earnings. 

DoorDash commercial auto insurance

DoorDash does provide limited coverage for drivers, but pay careful attention to what claims qualify. North Dakota and Indiana have different policies, but all other states can rely on the following information.

As a Dasher, DoorDash offers third-party liability insurance in case you’re involved in an accident during a delivery service period. That refers to the time you accept a delivery request in your app until you’ve delivered the order (or it gets canceled or unassigned). 

How to qualify for a DoorDash commercial insurance claim

Any DoorDash claim must also meet two requirements:

• The Dasher is considered liable for another party’s damages or injuries
• The Dasher submitted a claim to his or her policy, but it was denied and you received a coverage denial letter

If these criteria are met, the DoorDash policy kicks in. However, the company does not list out any maximum coverage limits for bodily injuries or property damage, except to say that policy terms and conditions are pursuant to local laws.

Also remember that this coverage doesn’t apply to you or your vehicle – only to others involved in the accident. When you are ready to file a claim, DoorDash provides an online report form.