Walmart Delivery Driver Car Insurance: What to Know & How to Save (2024)

Walmart delivery car insurance is a necessity for Walmart’s delivery drivers. Unfortunately, Walmart is not required to provide car insurance coverage to its drivers, which means drivers will have to find coverage themselves.

Because Walmart delivery car insurance is not offered by Walmart, if you drive for Walmart you need to make sure you have the right type of coverage if you are involved in an accident while on the clock.

While delivery driver car insurance requirements are sometimes vague, it is helpful to compare Walmart delivery car insurance rates to figure out the best deal for your circumstances. As you compare car insurance for delivery drivers, you will save tons of money in the long run.

Keep reading to learn more about Walmart delivery car insurance, find affordable car insurance for delivery drivers by entering your ZIP code in our free comparison tool.

Will my personal insurance cover me when delivering for Walmart?

Usually, a personal insurance policy alone will not cover a delivery driver in an on-the-job accident. This is especially the case for drivers using their personal vehicles, while drivers with company vehicles are usually covered by the franchise.

The main reason for this is that a personal insurance policy is for personal use only. As soon as you use your car for commercial purposes, such as delivering food, your personal policy ceases to provide any protection.

Your insurance company can choose to accept or decline a commercial car insurance application from a delivery driver. Usually, if the driver has a clean record and few insurance claims, approval won’t be difficult but a rate increase is unavoidable.

Without the right coverage, you may be driving uninsured as soon as you clock in to deliver. As an uninsured driver, you will have to pay all the costs out of pocket if you cause an accident.

Some of the expenses following an uninsured accident include repairs to your vehicle, medical bills, and even the expenses of accident lawyers that you may need to employ.

All of these factors combined can easily cost you thousands of dollars. Not only will you face all of the expenses of an uninsured accident, but your insurance company may deny your claim as well.

Walmart is not liable for an accident you may have while driving, especially if you are uninsured. Also, the company will usually not pay for your accident unless you choose to sue.

For those who doubt the likelihood of an on-the-job accident, the CDC found that car accidents are among the leading causes of injuries in the United States. Since car crashes are so common, it is critical to make sure you are fully covered to avoid an expensive mistake.

To find the most affordable Walmart delivery car insurance policy, we recommend talking through all of your options with an insurance agent.

Is there special Walmart delivery car insurance?

As mentioned earlier, Walmart delivery car insurance is currently unavailable to Walmart’s delivery drivers. However, there are plenty of additional Walmart food delivery car insurance options available.

Because a personal auto insurance policy does not cover a vehicle used for commercial or business purposes, providers frequently recommend that delivery drivers invest in commercial car insurance.

Read more: Can I get car insurance for a car that is used for business purposes?

Commercial insurance, also understood as business insurance, protects anyone using their car for work purposes, such as delivery drivers.

If you choose to buy a commercial car insurance policy, know that it will be separate from your personal one, which also means a separate monthly bill. Separate bills can be pricey depending on your current provider’s car insurance rates.

A more cost-efficient Walmart delivery car insurance option is to look into add-ons for your current policy.

Many car insurance companies offer rideshare add-ons for personal insurance policies, which are designed for food delivery drivers and those who drive for companies like Lyft and Uber.

An add-on policy initiates when you are on the clock, and it can be a more affordable alternative to buying a separate policy. You may also choose a temporary car insurance policy until you know whether your current policy will cover you or not.

Some businesses choose hired and non-owned car insurance for delivery drivers. A hired and non-owned car insurance policy extends the liability on a commercial policy to cover a vehicle owned by an employee for occasional use.

Even with all of these options, the best way to buy Walmart delivery car insurance is to shop around and compare multiple quotes from different companies. Comparing rates helps you find the best insurance companies for you.

How much does Walmart delivery car insurance cost?

Average rates are a challenge to define because car insurance rates differ depending on the driver and the car insurance company.

If you can get an add-on to your existing policy, food delivery and Walmart delivery car insurance rates decrease considerably.

Although add-ons are much more affordable than purchasing a new policy, they are not available through every provider. If they are not offered in your area, you may have no other choice but to look for the most affordable auto insurance policy available.

With that in mind, look at the following table for an idea of what you may pay for personal and food delivery car insurance rates with Progressive.

Progressive Personal and Food Delivery Car Insurance Rates

For more information about Progressive, see our Progressive Insurance Review.

Even though Walmart delivery car insurance does not exist, you can still get coverage through most car insurance plans as a commercial or temporary policy.

Regardless of which policy is available, it is essential to avoid delivering for Walmart or any other service without the right coverage.

To minimize your Walmart delivery car insurance costs, talk through all of your options with an insurance agent.

What more do I need to know about Walmart delivery car insurance?

Walmart’s delivery service is called Walmart Spark, and Walmart Spark delivery driver pay is by order. If you are interested in driving for Walmart, you may find Walmart Spark delivery driver reviews online.

Walmart Spark is different from Lyft and Uber services in that it is a grocery delivery service. Auto insurance companies perceive carrying passengers a different liability risk than carrying groceries or food.

Read more: Walmart Insurance Review & Complaints: Health Insurance

Case Studies

Case Study 1: John’s Personal Insurance Exclusion

John, a Walmart delivery driver, was involved in an accident while delivering groceries. He assumed his personal auto insurance policy would cover him since he was using his own vehicle for delivery. However, upon filing a claim, he discovered that his personal policy did not provide coverage for accidents that occurred while using the vehicle for commercial purposes.

John had to pay for the damages and injuries out of his own pocket, highlighting the importance of having appropriate commercial car insurance as a Walmart delivery driver.

Case Study 2: Sarah’s Rideshare Add-On Coverage

Sarah, another Walmart delivery driver, knew that her personal auto insurance policy wouldn’t cover accidents during her delivery shifts. Instead of purchasing a separate commercial insurance policy, she opted for a rideshare add-on to her existing personal policy.

This add-on provided coverage specifically for her delivery activities, ensuring she was protected in case of an accident. Sarah found this option more cost-effective than getting a separate policy and had peace of mind while delivering for Walmart.

Case Study 3: Lisa’s Commercial Insurance Choice

Lisa, a Walmart delivery driver, decided to forego adding an endorsement to her personal auto insurance policy. Instead, she opted to purchase a separate commercial insurance policy specifically tailored for delivery drivers.

Although it came with an additional monthly cost, Lisa felt more comfortable knowing she had comprehensive coverage for accidents that might occur while delivering for Walmart. She valued the dedicated coverage provided by the commercial insurance policy and believed it was worth the investment.

Walmart Delivery Car Insurance: The Bottom Line

Although Walmart and most other delivery organizations do not offer car insurance coverage to their delivery drivers, there are a few available options.

Even though there is not a specific Walmart delivery car insurance company, almost all car insurance companies offer a commercial/business policy or another coverage option from which Walmart delivery drivers may choose.

To be sure of proper coverage, delivery drivers may choose to add a policy to their current one, switch to a commercial car insurance policy, or apply for temporary car insurance. If you’re looking into commercial car insurance, be sure to compare the different commercial car insurance companies to ensure you receive the best rates. 

It is important to know that changing your current car insurance policy may result in a new quote or new rates as a reflection of added risk.

The best way to save on Walmart delivery car insurance is to reach out to your current car insurance provider to see if your personal policy is one of the few that will protect you while delivering.

It is also useful to compare Walmart delivery car insurance quotes from top car insurance companies before purchasing a new policy.

Not yet ready to buy Walmart delivery car insurance? Enter your ZIP code into our free online tool for instant delivery car insurance rates in your area.