What are the DoorDash insurance requirements?
If you're curious about the DoorDash insurance requirements, you only need to carry your state's minimum liability requirements to drive for the company. There's a chance their commercial insurance coverage will cover any damages caused by an accident.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Apr 25, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Apr 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- DoorDash requires that its drivers carry at least their state’s minimum liability coverage
- If you are in a car accident while driving for DoorDash, you may be able to utilize the company’s commercial car insurance coverage
- It’s a good idea to look into purchasing a full coverage car insurance policy if you are using your personal vehicle as a delivery driver
If you’re thinking of getting a job with DoorDash, or if you already have a job as a delivery driver, you may be curious what the DoorDash insurance requirements are when it comes to driving your personal vehicle.
DoorDash makes it clear on the company website that it requires drivers to have a valid driver’s license, current car insurance, and a clean driving record. The good thing, DoorDash does not require any business or commercial insurance coverage, and drivers only need to carry their state’s minimum insurance requirements.
Do you need insurance for DoorDash?
To drive for DoorDash, you will need to carry at least your state’s minimum requirements when it comes to car insurance. Additionally, you will need to be 18 years or older, have a valid driver’s license, possess a clean driving record, and maintain a valid DoorDash driver account.
Most states in the U.S. require at least liability coverage for vehicles to drive legally. Depending on where you live, you may also be required to carry additional coverage with an insurance company.
The table below shows each U.S. state requirement for car insurance.
| State | Coverage Type Required | Minimum Liability Limits |
|---|---|---|
| Alabama | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Alaska | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 50/100/25 |
| Arizona | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 15/30/10 |
| Arkansas | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus personal injury protection | 25/50/25 |
| California | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 15/30/5 |
| Colorado | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/15 |
| Connecticut | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) plus uninsured/underinsured motorist coverage | 25/50/20 |
| Delaware | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus personal injury protection | 25/50/10 |
| District of Columbia | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/10 |
| Florida | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 10/20/10 |
| Georgia | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Hawaii | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 20/40/10 |
| Idaho | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/15 |
| Illinois | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/20 |
| Indiana | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Iowa | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 20/40/15 |
| Kansas | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Kentucky | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Louisiana | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 15/30/25 |
| Maine | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus Medpay coverage | 50/100/25 |
| Maryland | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 30/60/15 |
| Massachusetts | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 20/40/5 |
| Michigan | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 20/40/10 |
| Minnesota | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 30/60/10 |
| Mississippi | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Missouri | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Montana | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/20 |
| Nebraska | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Nevada | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/20 |
| New Hampshire | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| New Jersey | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 15/30/5 |
| New Mexico | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/10 |
| New York | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/10 |
| North Carolina | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 30/60/25 |
| North Dakota | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Ohio | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Oklahoma | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Oregon | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus personal injury protection | 25/50/20 |
| Pennsylvania | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 15/30/5 |
| Rhode Island | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| South Carolina | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus uninsured/underinsured motorist coverage | 25/50/25 |
| South Dakota | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Tennessee | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/15 |
| Texas | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 30/60/25 |
| Utah | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/65/15 |
| Vermont | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/10 |
| Virginia | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/20 |
| Washington | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/10 |
| West Virginia | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/25 |
| Wisconsin | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/10 |
| Wyoming | Bodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) | 25/50/20 |
In order to drive for DoorDash, you need to carry at least what your state requires in the table above.
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Should DoorDash drivers carry additional car insurance coverage?
DoorDash insurance coverage requirements are lenient, but it’s not a bad idea to carry more than what your state requires when it comes to car insurance.
In most states, meeting the requirements for car insurance will not help you pay for damage to your vehicle if you’re the person at fault in an accident. Additionally, liability coverage will not help you repair your car if it’s been vandalized or damaged by inclement weather.
The most common types of car insurance coverage that people add to a liability-only policy include:
- Comprehensive coverage: Covers your vehicle if it is stolen, vandalized, or damaged by weather
- Collision coverage: Covers your vehicle if you are in a car accident
- Medical payments: Covers any injuries that occurred because of a car accident
- Uninsured/underinsured motorist: Covers your vehicle if another driver is at fault in an accident but does not carry the proper insurance
Suppose you drive a good bit for DoorDash. In that case, you may want to purchase a full coverage policy, which would include comprehensive and collision coverage, along with other coverage types like medical payments.
What happens if I am in an accident while driving for DoorDash?
If you are driving for DoorDash and you’re in an accident, you should contact your insurance company. If you are on an active delivery — meaning you are either heading to the merchant to pick up the items or from the merchant to the customer to deliver them — the DoorDash commercial car insurance coverage may cover a portion of the fees.
But if you’re driving away from the customer’s home or you’re not on the clock with DoorDash, you will need to call on your personal car insurance policy.
If you’re making a DoorDash insurance claim, you will want to collect as much information as possible. DoorDash only covers your car after you have filed a claim with your personal insurance company. While making DoorDash insurance claims can be a simple process, it’s hard to know exactly how much the coverage will help.
Does DoorDash offer health insurance?
DoorDash has started to offer health insurance through Stride Health, which offers life, health, dental, and vision coverage. If you work for DoorDash, you may be eligible for health insurance through a Stride Health insurance plan.
As a DoorDash delivery driver, it’s a good idea to utilize the benefits of your job as much as you can. If you have specific questions about your eligibility for a DoorDash car or health insurance, you can call and speak to a DoorDash representative.
Frequently Asked Questions
What are the DoorDash insurance requirements?
DoorDash provides liability insurance to their delivery drivers while they are on an active delivery. However, this coverage only applies if the driver’s personal insurance policy does not provide coverage. Drivers are also required to maintain personal auto insurance that meets the minimum requirements of their state.
Do you need insurance for DoorDash?
Yes, you need to carry at least your state’s minimum requirements when it comes to car insurance to drive for DoorDash. Additionally, you will need to be 18 years or older, have a valid driver’s license, possess a clean driving record, and maintain a valid DoorDash driver account.
What happens if I am in an accident while driving for DoorDash?
If you are in an accident while driving for DoorDash, you should contact your insurance company. If you are on an active delivery, meaning you are either heading to the merchant to pick up the items or from the merchant to the customer to deliver them, the DoorDash commercial car insurance coverage may cover a portion of the fees. But if you’re driving away from the customer’s home or you’re not on the clock with DoorDash, you will need to call on your personal car insurance policy.
Does DoorDash offer health insurance?
DoorDash has started to offer health insurance through Stride Health, which offers life, health, dental, and vision coverage. If you work for DoorDash, you may be eligible for health insurance through a Stride Health insurance plan.
Should DoorDash drivers carry additional car insurance coverage?
DoorDash insurance coverage requirements are lenient, but it’s not a bad idea to carry more than what your state requires when it comes to car insurance. In most states, liability coverage will not help you pay for damage to your vehicle if you’re the person at fault in an accident. Additionally, liability coverage will not help you repair your car if it’s been vandalized or damaged by inclement weather.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.