Whether you are an Uber Eats driver or you drive for another delivery company you just have to get yourself an insurance policy. It is no news that most delivery companies offer auto insurance to their drivers but you must know that it doesn’t cover personal duties rather, only when you are on the job to deliver items to its customers.
Uber Eats is one great policy of Uber established in 2014. Like most food delivery companies, you can order foods from local restaurants near you with Uber Eats.
Well, this article isn’t about the delivery services rendered by Uber Eats but the best insurance policies to have or buy as an Uber Eats driver. The set time has come for us to discover all about it. Let’s Go!
The 10 best insurance companies for Uber Eats drivers
Before you go out to shop for insurance, ensure you take note of the companies policies, premium rates, and insurance coverage. This will help you discover the insurance company that will favour you.
Furthermore, your premiums will be estimated based on your driving record, age, your vehicle’s worth, and other considerations the company might use to get you insured.
Below is the list of the best insurance companies for Uber Eats drivers:
Geico
If you are a delivery driver or you are considering becoming one, Geico is one of the best insurance for Uber Eats drivers. They’ve equally earned a good name for themselves and also a good reputation.
Although it is a little bit expensive compared to the regular car insurance policy but deductibles are low compared to Uber and Lyft insurance. Also, it offers a wide range of coverage for its clients this is why you may consider getting insured by Geico insurance.
Here is the insurance coverage of Geico:
- Vehicle damage coverage
- Deductible Gap Coverage
- Liability insurance coverage
- Medical bills insurance coverage
- Comprehensive collision liability
Progressive
Progressive’s rideshare and delivery driver insurance policy is quite different from other delivery driver insurance policies.
The T&C of Progressive food delivery insurance is that you must get personal driver’s insurance from Progressive before you can be insured as a delivery driver. All personal driver insurance is included in the policy and also It doesn’t just cover delivery drivers only but also for drivers who transport passengers.
Their insurance coverage includes:
- Comprehensive and collision
- Uninsured or underinsured motorist
- Extra insurance coverages
- Deductible reimbursement
All-State
Allstate insurance ensures they offer the key insurance coverage to its clients.
They provide coverage like accident forgiveness and rental car reimbursement when you’re on the job of a delivery driver. Its policies also add up endorsements of your personal auto policy as you deliver food or transport passengers.
The delivery and rideshare insurance coverage of All-State include:
- Collision insurance coverage
- Comprehensive insurance coverage
- Liability insurance coverage
- Medical bill insurance coverage
- Roadside insurance coverage
- Uninsured and underinsured coverage
USAA
USAA is usually regarded as the best insurance company for delivery drivers. It is no doubt that the company’s services are considered the best as regards its customer services.
Its coverage includes delivery driving for all types comprising both typical ride-sharing, food delivery, and prescription delivery services. The premium rate of USAA delivery insurance or coverage restrictions has never been disclosed to the public. To add a rideshare endorsement to your insurance policy you will need to go through the USAA account online.
Farmers
In 2020, when the outbreak of the covid 19 virus came about that caused the enforced lockdown, Farmer’s insurance introduced an insurance policy for delivery drivers.
Farmers insurance just like most insurance companies that provides coverage to delivery drivers covers certain areas where drivers are not covered.
Farmer’s insurance policy enables already excluded regular auto insurance policy to expand their standing personal auto and motorcycle insurance coverages.
AAA
The wide range of services offered by AAA has proved to be one of the best insurance companies for delivery drivers.
An average premium rate of $1,042 with endorsement (for six months) is charged by the insurance company. AAA is known for its high-quality customer services rendered to its customers and provides more of its services in numerous amount of states.
Kemper
Kemper insurance company is not as popular among the people as its counterparts, but you must know that its services are in line with the best insurance coverage you can get.
If you previously have issues with your driving record, the insurance policy of Kemper will nevertheless get you insured. One thing about Kemper is that its coverage ends with rideshare endorsement but does not cover delivery driver insurance.
Mercury
The insurance company is well known in areas where there are a large number of drivers. Areas like California, Nevada, and Illinois.
You get your rideshare insurance policy, added to your already existing vehicle insurance policy of Mercury.
Nationwide
Nationwide insurance companies came up with a different approach to the market. Its policy differs from all other insurance companies as you pay according to the distance and time used in driving.
Its rideshare and delivery insurance policy is gradually spreading across the nation as its name implies.
State Farm
You get an average six months premium with an endorsement with State Farm with over $777.
State Farm wasn’t birthed just yesterday, it has been in existence for decades that’s why it can be tagged as one of the best insurance for Uber Eats and other delivery companies.
Its customer services are spread across almost every state in the nation. It’s a unique system in handling accident cases even if there is a passenger in your vehicle is highly comforting.
In a scenario where your deductible for State Farm might be less than the approved one your TNC needs you will be required to pay the lesser rate.
Conclusion
Getting a delivery driver’s insurance in a long becomes comforting. But you must verify thoroughly the policy of the company you intend to buy as this is likely to help you through your job as a delivery driver.
This article has highlighted the best insurance companies for Uber Eats delivery drivers and other delivery companies you can do a great favour to yourself by choosing one of these to get insurance coverage.
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