Shipt Car Insurance: Discounts, Rates, & Requirements (2022)

Shipt auto insurance is not available to delivery drivers, but the company does require that drivers carry the state's minimum liability coverage. Buying commercial car insurance will provide the necessary amount of delivery driver insurance coverage for Shipt auto insurance and is often required by insurance companies to cover accidents that happen while on delivery.

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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's what you need to know...

  • Shipt doesn’t offer auto insurance for delivery drivers
  • Commercial auto insurance is recommended for Shipt delivery drivers
  • There are ways to save when buying Shipt auto insurance

Shipt doesn’t offer auto insurance so drivers are responsible for finding coverage themselves. Understanding your car insurance policy will ensure that you have the right coverage should you suffer a Shipt car accident. This article will guide you to finding the right Shipt auto insurance.

If you’re looking for affordable Shipt auto insurance quotes, start shopping around for commercial auto insurance rates. Enter your ZIP code above to get free commercial car insurance quotes from local companies near you.

What type of Shipt car insurance do you need?

If you’ve been a Shipt shopper, you might consider becoming a delivery driver for extra money. But before you start, make sure you have adequate delivery driver insurance coverage.

Shipt verifies that every driver has car insurance but only requires the state’s minimum liability car insurance coverage. However, the minimum coverage is less coverage than is recommended.

While you should already have personal car insurance, this doesn’t always cover delivery drivers. Many providers require that delivery drivers carry increased coverage because they are at a higher risk of an accident. Failure to obtain this type of Shipt auto insurance could result in the denial of your claim.

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How do you buy Shipt car insurance?

Shipt drivers are independent contractors so the company is not responsible for providing insurance. It’s up to each driver to obtain the right amount of Shipt auto insurance to make sure they’re covered should an accident occur.

To ensure that you receive accurate Shipt car insurance quotes, there is certain information that will be required by a provider. Some of the information required includes:

  • Your vehicle information
  • Your current auto insurance policy
  • The average number of miles you expect to drive
  • The total cost of commercial items you’ll carry in your vehicle

Providing this information will ensure that you receive the best car insurance quotes.

How can you find cheap Shipt car insurance?

The Insurance Information Institute states that many factors help determine the cost of car insurance. But those looking to buy Shipt auto insurance coverage will quickly find that commercial car insurance is more expensive than personal car insurance.

Fortunately, there are ways to find affordable Shipt car insurance rates. Drivers can ask about qualifying for certain car insurance discounts like:

  • Clean driving record
  • Strong credit history
  • Bundling policies

Additionally, some providers offer delivery coverage as an add-on feature. This can make coverage cheaper than buying traditional commercial car insurance.

Shipt car insurance: The Bottom Line

While Shipt only requires the minimum amount of car insurance, delivery drivers should carry more. Commercial car insurance will usually be more expensive than your personal car insurance but there are ways to make Shipt auto insurance more affordable.

Now that you know how to find the best rates for Shipt auto insurance, enter your ZIP code to start comparing commercial car insurance quotes from the top companies in your area.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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