Insurance requirements for delivery & rideshare drivers
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 during active rides 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 requires commercial livery insurance with $1,000,000+ liability. Learn what coverage you need, costs by market, and how to get licensed.
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.
Uber Eats covers $1M liability during active deliveries but does NOT include collision coverage — unlike Uber rideshare. Learn exactly what's required, what gaps exist, and the $15-40/month fix.
DoorDash provides $1M liability during active deliveries — but won't cover your vehicle and leaves a dangerous gap when the app is on with no order. Here's what Dashers actually need.
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.