Does driving for DoorDash affect your insurance?

My brother told me that he cleans up driving for DoorDash on weekends. He said it was a mindless way to make some extra cash. I’m thinking of doing the same thing for spending money. I’m just not sure about the impact it may have on my car insurance…

Jessica Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Driving for DoorDash can mean higher
car insurance
premiums. Since you’ll be clocking more miles, this increases your risk of getting into an accident and
filing a claim
DoorDash provides drivers with basic liability coverage, but it’s secondary—it only kicks in once your personal policy has been exhausted. Here’s what it covers:
  • Bodily injury and property damage after an accident
  • Liability for accidents that happen when food is in your car for a delivery
You may want to purchase business-use coverage—or
rideshare insurance
—which will help protect you when your vehicle is being used for business. It usually only costs a few extra dollars each month.
Here are some of the best insurance companies if you’re working for DoorDash or a rideshare company:
  • GEICO: GEICO’s personal car insurance policies will cover you even while you’re using your vehicle for business purposes.
  • State Farm: You can purchase rideshare insurance from State Farm, but their policies will cover you while driving for DoorDash.
  • Progressive: Progressive offers flexible policies that cover delivery and driving services without the need for business coverage.
  • Erie: Erie’s coverage is limited to specific states, but the company offers affordable rideshare coverage for delivery drivers.
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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