Insurance requirements for delivery & rideshare drivers
Spark needs only state-minimum auto insurance in your name, and outside California Walmart's terms give no auto liability while you deliver. Why uploads get rejected.
Roadie requires only state-minimum personal auto liability and, unlike DoorDash or Grubhub, provides no supplemental company liability policy during gigs at all.
Shipt requires only state-minimum personal auto liability and provides no primary liability coverage of its own — a gap most Shoppers do not realize until a claim is denied.
Personal auto insurance almost always excludes coverage when your car is rented on Turo. Learn how Turo's host protection plans work, what guests need, and when a commercial policy is required.
Grubhub provides $1M contingent liability during active deliveries but has no coverage between orders. Your personal auto policy likely excludes delivery driving — here's what Grubhub drivers actually need.
Lyft provides $1M liability from ride acceptance through drop-off but leaves a dangerous gap during Period 1 when the app is on with no passenger. Here's what every Lyft driver actually needs.
Uber Black drivers must carry their own commercial insurance. Uber's rideshare insurance does not apply to commercially licensed drivers, and Uber never covers damage to their cars.
Instacart requires Full-Service Shoppers to carry valid auto insurance. Instacart provides $1M liability during active batches — but your vehicle, your injuries, and gaps between orders are not covered.
Amazon Flex provides $1M liability during active delivery blocks but won't cover your vehicle. Learn when you're actually protected, when you're not, and the cheapest way to close the gap.
Car couriers must carry their own state-minimum insurance. Uber's delivery policy covers others up to $500,000, half its rideshare limit, and never pays for your car or your injuries.
Car Dashers must carry their own state-minimum insurance. DoorDash covers others up to $1M only from order accepted to drop-off in most states, $250,000 in Kentucky, and never your car.
Browse insurance requirement guides across other coverage areas
State minimum auto coverage rules
Insurance rules for businesses
Rules for contractors & trades
Professional & general liability rules
Country-specific travel rules
Insurance for motorcycles, boats & more
Legal and regulatory insurance rules
Side-by-side insurance requirement comparisons
DoorDash, Uber Eats, Lyft, Instacart, Amazon Flex and other platform-specific coverage guides — periods covered, gaps explained, and what drivers actually need.
All guides are written by the Coverage Criteria editorial team and verified against official government and regulatory sources. We translate complex insurance rules into plain language so you know exactly what coverage is required — without needing a lawyer.
