Amazon Flex Car Insurance: What To Know & How To Save (2024)

Are you an Amazon Flex driver? If you’re delivering for Amazon, you may be wondering what Amazon Flex delivery auto insurance is, why you need it, where else you can get it, and more.

Can you get affordable Amazon Flex delivery driver car insurance? What are average Amazon Flex delivery driver auto insurance quotes? Can you compare car insurance quotes to get a cheaper rate? What happens if you’re in an accident while driving for Amazon?

Read this article to find out everything you need to know about Amazon Flex delivery driver car insurance.

Before we get started on this Amazon Flex delivery driver auto insurance review, why not use your ZIP code in the free tool on this page to start comparing rates for delivery drivers from insurance companies in your area?

What kind of car insurance do you need as an Amazon Flex Delivery driver?

If you’re delivering for Amazon Flex (or any delivery driving position), you’ll need more than your personal insurance policy. In most cases, your personal policy (while necessary to drive legally) won’t apply if you’re regularly using your vehicle for business purposes. You’ll also need a commercial auto insurance (or business coverage) policy.

Why? In addition to your personal policy not being enough, as a delivery driver, you face a higher chance of accidents and vehicle fatalities than several other professions, largely because of the amount of time spent on the road and the urgency behind deliveries, as reported by Crosley Law. As a result, having the right car insurance is vital as an Amazon Flex delivery driver.

Amazon offers a free commercial policy to its delivery drivers, referred to as the Flex auto policy, which covers you when you’re “on the clock” and in the process of picking up, delivering, or returning packages for Amazon (it won’t apply when you’re using your vehicle for personal reasons or if you’re delivering for another service).

So what is covered by Amazon Flex delivery driver car insurance? And what are the average Amazon Flex delivery driver auto insurance rates for Amazon delivery car insurance products? With Flex auto insurance, you’ll have:

• $50,000 in damages to your vehicle (if you have a personal policy that includes comprehensive and collision)
• $1 million in damages to a third-party individual or vehicle
• $1 million in personal injury and damages for you and your vehicle if you’re in an accident with an uninsured or underinsured driver

As we already noted, Flex auto insurance is free.

You should let your insurer know how you’re using your vehicle, even if you get your commercial coverage through Amazon or another company, to avoid any suggestion of fraud.

Where else can you get delivery driver car insurance and how much does it cost?

Most major insurance companies sell commercial auto insurance policies, which you can add to your personal car insurance coverage. However, it can get expensive, with your average rates increasing by about $150 per month. If you’re looking to save, you can ask about a delivery driver add-on, rather than a full commercial policy. Companies that offer this include:

• Crump Property & Casualty
• GEICO
• International Property & Casualty
• Progressive
• State Farm
• Sunderland Insurance

You can also compare rates from at least three companies to make sure you’re getting the best rates.

Case Studies: Amazon Flex Delivery Auto Insurance

Case Study 1: John – Personal and Commercial Coverage

John is an Amazon Flex driver based in a busy city. He understands the importance of having proper insurance coverage while making deliveries. John already has a personal auto insurance policy, but he knows it won’t cover him when he’s working for Amazon. To ensure he is adequately protected, John decides to obtain additional commercial auto insurance coverage.

Case Study 2: Sarah – Utilizing Amazon Flex Auto Policy

Sarah is a part-time Amazon Flex driver who relies on her vehicle to make deliveries. She takes advantage of the free commercial auto policy offered by Amazon. Sarah appreciates the convenience and affordability of this coverage, as it provides $50,000 in vehicle damage coverage,$1 million liability coverage for accidents caused by her and $1 million coverage for uninsured or underinsured motorists.

Case Study 3: Mike – Exploring Alternative Options

Mike, an experienced Amazon Flex driver, wants to explore other options for delivery driver car insurance. He contacts his insurance company to inquire about adding a delivery driver add-on to his personal auto insurance policy instead of obtaining a separate commercial policy. Mike compares rates, finds competitive quotes, and chooses the best coverage for him.

Amazon Flex Delivery Car Insurance: What’s the bottom line?

Amazon Flex car insurance is offered to Amazon Flex delivery drivers for free. It provides $50,000 in vehicle damages for your vehicle, $1 million in coverage for other drivers if you’re at-fault in an accident, and $1 million in damages and injury protection to you if you’re in an accident with an uninsured/underinsured motorist. This coverage only applies while you’re out on delivery for Amazon.

Before you leave this Amazon Flex delivery driver car insurance review, take a minute to enter your ZIP code in our free tool to compare delivery driver car insurance rates from insurance companies where you live today.