The cheapest ways to get covered
Every active delivery has to be covered by commercial-grade insurance, because a normal personal auto policy will not pay out for delivering for money. The good news is that closing that gap is usually cheap. Here are your options, lowest cost first.
1. Add a delivery endorsement to your own policy
A delivery or rideshare endorsement is a small add-on to the car insurance you already have. It extends your policy to cover you while you deliver. It usually runs about $6 to $30 a month, or roughly 10 to 15% on top of your current premium. This is the cheapest route for most drivers, and if you have it, you bring the certificate to Drivesey and pay us nothing.
Insurers that offer it
• Progressive: rideshare and delivery add-ons in most states, including plans built for delivery apps.
• Mercury: from about $0.90 a day, offered in Arizona, Florida, Georgia, and Texas, among others.
• Allstate: "Ride for Hire," around $30 a month.
• State Farm: a rideshare driver endorsement.
• USAA: as low as $6 a month, for military, veterans, and their families.
• AAA: an add-on for members.
• Progressive: rideshare and delivery add-ons in most states, including plans built for delivery apps.
• Mercury: from about $0.90 a day, offered in Arizona, Florida, Georgia, and Texas, among others.
• Allstate: "Ride for Hire," around $30 a month.
• State Farm: a rideshare driver endorsement.
• USAA: as low as $6 a month, for military, veterans, and their families.
• AAA: an add-on for members.
One thing to ask about. Make sure the endorsement covers commercial delivery, not just rideshare passengers. Some cover driving people for Uber or Lyft but not courier delivery. Availability and price depend on your state and your driving record, so confirm the details with your insurer.
2. A commercial auto policy
Full commercial coverage is the most thorough option and the most expensive, roughly $1,200 to $2,400 a year. It usually only makes sense if you deliver full-time or at high volume.
3. Drivesey's per-mile program
No endorsement, and you don't want a full policy? Ride on our per-mile commercial coverage instead. You pay only while you are on an active delivery, at the broker's exact rate with no markup. You enroll in it during signup, and it is the fallback if your own coverage does not work out.
What not to do
Do not deliver on a bare personal policy. The "delivery for hire" exclusion means a crash claim can be denied, and your insurer can drop you. A $6 to $30 endorsement is cheap protection against exactly that.
This is general information to help you explore your options, not insurance advice. Coverage, availability, and price depend on your state, your insurer, and your record. Always confirm directly with your insurer that your coverage includes commercial delivery.
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