Amazon Flex Insurance Requirements 2025 | Driver Coverage Guide

Amazon Flex requires auto insurance, but their coverage only applies during active delivery blocks. Learn what insurance Flex drivers actually need and how to avoid gaps.

Quick Answer: What Insurance Does Amazon Flex Require?

Amazon Flex requires all delivery partners to maintain personal auto insurance that meets their state's minimum requirements. However, Amazon provides limited commercial coverage during active deliveries—and understanding when that coverage applies is critical.

Here's what you need to know before your first delivery block:

Requirement	Details
Personal Auto Insurance	Required - must meet state minimums
Amazon's Coverage	$1 million liability during active deliveries
Vehicle Damage	NOT covered by Amazon
Recommended	Rideshare/delivery endorsement

How Amazon Flex Insurance Works

Amazon provides commercial auto liability insurance for Flex drivers, but only during specific times. Understanding these coverage periods prevents costly gaps.

Coverage Periods Explained

Period 1: App Off or No Delivery Block

Amazon provides: No coverage
You need: Personal auto insurance
Status: Normal personal driving

Period 2: During Active Delivery Block

Amazon provides: Commercial auto liability
Coverage: Up to $1,000,000 third-party liability
Includes: Bodily injury and property damage to others
Does NOT include: Damage to your own vehicle

What Amazon's Policy Covers

During an active delivery block, Amazon's insurance covers:

Third-party bodily injury - Medical costs for people you injure
Third-party property damage - Damage to other vehicles, buildings, property
Legal defense costs - If you're sued after an accident

What Amazon's Policy Does NOT Cover

Damage to your vehicle - Collision repairs are 100% your responsibility
Your medical expenses - No coverage for your injuries
Comprehensive losses - Theft, vandalism, weather damage excluded
Deductibles - You pay any applicable deductibles
Driving between deliveries - Gaps may exist
Personal use - Only active delivery blocks covered

The Personal Insurance Problem

Here's where most Amazon Flex drivers get caught: standard personal auto insurance excludes commercial delivery driving.

When you signed up for personal auto insurance, your policy almost certainly contains exclusions for:

Using your vehicle for business purposes
Delivery driving for compensation
Commercial activities

What Happens If You Have an Accident

Scenario: Accident during active delivery

You file a claim with your personal insurer
They discover you were delivering for Amazon Flex
Claim denied due to commercial activity exclusion
Amazon's policy covers third-party liability only
Your vehicle damage? Out of pocket.

Scenario: Accident driving to pickup location

You're technically "on the clock" but may be in a coverage gap
Personal insurance may deny (commercial activity)
Amazon's coverage may not apply (not actively delivering)
You could be completely uninsured

State Minimum Insurance Requirements

Amazon Flex requires drivers to carry at least their state's minimum auto insurance. Here are requirements for major states:

State	Bodily Injury (per person/accident)	Property Damage
California	$15,000 / $30,000	$5,000
Texas	$30,000 / $60,000	$25,000
Florida	$10,000 / $20,000	$10,000
New York	$25,000 / $50,000	$10,000
Illinois	$25,000 / $50,000	$20,000
Arizona	$25,000 / $50,000	$15,000
Georgia	$25,000 / $50,000	$25,000
Ohio	$25,000 / $50,000	$25,000
Washington	$25,000 / $50,000	$10,000
Colorado	$25,000 / $50,000	$15,000

Recommended Insurance for Amazon Flex Drivers

Option 1: Rideshare/Delivery Endorsement (Best Value)

Add an endorsement to your existing personal policy:

What it covers:

Fills gaps between personal and Amazon's commercial coverage
Covers your vehicle during delivery activities
Maintains personal insurance validity

Typical cost: $15-50/month additional

Insurers offering delivery endorsements:

Progressive
State Farm
Geico
Allstate (Ride for Hire)
Farmers
Liberty Mutual
USAA (members only)

Option 2: Commercial Auto Insurance

For full-time Flex drivers (30+ hours/week):

Advantages:

Complete coverage during all activities
No gaps or exclusions
Higher liability limits available
Covers vehicle damage

Disadvantages:

Higher cost ($150-400/month more than personal)
May be excessive for part-time drivers

Option 3: Hybrid Policy

Some insurers offer policies specifically designed for gig workers:

Built-in delivery coverage
No separate endorsement needed
Competitive pricing for moderate usage

How to Get Properly Covered

Step 1: Review Your Current Policy

Call your insurance company and ask:

"Does my policy cover delivery driving for Amazon Flex?"
"Is there a commercial activity exclusion?"
"Do you offer a rideshare or delivery endorsement?"
"What happens if I have an accident while delivering?"

Step 2: Disclose Your Delivery Work

This is critical. Failing to disclose delivery work can result in:

Claim denials
Policy cancellation
Being labeled for "material misrepresentation"
Difficulty getting future coverage

Step 3: Add Appropriate Coverage

For occasional drivers (under 15 hours/week):

Add rideshare/delivery endorsement
Ensure you have collision coverage
Consider higher liability limits

For regular drivers (15-30 hours/week):

Delivery endorsement required
Collision and comprehensive coverage
Consider 100/300/100 liability limits

For full-time drivers (30+ hours/week):

Commercial auto policy recommended
Or comprehensive rideshare policy
Maximum liability coverage

What To Do After an Accident

Immediate Steps

Ensure safety - Check for injuries, move to safe location
Call 911 - Report accident, request police report
Document everything - Photos, witness info, other driver's insurance
Note your delivery status - Were you on an active block? Mid-delivery?
Report to Amazon - Use the Flex app to report the incident
Contact your insurer - Report the accident to your personal insurance

Filing Claims

During active delivery:

Amazon's insurance handles third-party liability
Your collision coverage handles your vehicle damage
File with both Amazon and your personal insurer

During coverage gaps:

File with personal insurance first
If denied, document the denial
Consult with an attorney if needed

Amazon Flex vs. Other Delivery Platforms

Platform	Liability Coverage	Collision Coverage	Coverage Trigger
Amazon Flex	$1M during blocks	None	Active delivery block
DoorDash	$1M during delivery	None	Pickup to dropoff
Uber Eats	$1M during delivery	None	Active delivery
Instacart	$1M during delivery	None	Active shopping/delivery

All major delivery platforms have similar structures: liability coverage during active work, but no coverage for your own vehicle.

Frequently Asked Questions

Does Amazon Flex verify my insurance?

Yes. Amazon requires proof of insurance during signup and periodically requests updated documentation. You must upload valid insurance cards showing at least your state's minimum coverage. Failure to maintain valid insurance results in account deactivation.

Can I use my personal insurance for Amazon Flex?

You can meet Amazon's minimum requirements with personal insurance. However, your personal policy likely won't pay claims that occur during deliveries due to commercial activity exclusions. Adding a delivery endorsement solves this problem.

What if I get in an accident and my insurance doesn't cover it?

You could face:

Personal liability for all damages
Lawsuits from injured parties
Amazon Flex account deactivation
Out-of-pocket vehicle repair costs
Traffic citations for driving uninsured

How much does proper insurance cost for Amazon Flex?

Delivery endorsement: $15-50/month additional
Standard personal policy: $100-200/month (varies by state, age, history)
Commercial policy: $250-500/month total

Does Amazon's insurance cover me driving to the warehouse?

Coverage typically begins when you start an active delivery block, not when you're driving to pick up packages. This is a potential gap where only your personal insurance applies.

What vehicle types does Amazon Flex allow?

Amazon Flex accepts:

4-door sedans (midsize or larger)
SUVs
Trucks
Cargo vans (for larger blocks)

Motorcycles, scooters, and 2-door vehicles are generally not accepted.

Key Takeaways

Amazon Flex requires personal auto insurance meeting state minimums
Amazon provides $1 million liability during active delivery blocks
Amazon does NOT cover damage to your own vehicle
Personal insurance usually excludes commercial delivery driving
Best solution: Add delivery endorsement to personal policy ($15-50/month)
Always disclose delivery work to your insurance company
Document your status if you're in an accident (active block or not)

Important Disclaimer

This guide provides general information about Amazon Flex insurance requirements based on publicly available sources. This is not legal or insurance advice. Insurance requirements, Amazon's policies, and state regulations can change. Coverage details vary by location and individual circumstances.

Always verify current requirements with:

Your state's Department of Insurance
Your auto insurance provider
Amazon Flex's official policies

Consult with a licensed insurance professional for advice specific to your situation.

Last verified: November 2025

Sources: Amazon Flex Terms of Service, State DMV requirements, Insurance industry guidelines