Buy Cheap Auto Insurance for Amazon Flex in 2024
If you deliver for Amazon Flex, you need at least the minimum required car insurance in your state. Read on to learn more about what kind of insurance you should have to make sure you and your car are protected while you're on the job.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Amazon provides Amazon Flex delivery drivers with commercial auto insurance coverage at no cost
- Amazon Flex drivers must carry the proper insurance to drive legally in their state
- A full-coverage policy may offer you the best protection when you’re not actively making deliveries
By now, most people have heard of Amazon and its Prime delivery services. However, the company also offers a way for people in certain cities to deliver packages using their personal vehicles. Amazon Flex is a delivery program utilizing local independent contractors to make deliveries.
You’ll need proper auto insurance coverage when you are delivering for Amazon Flex, but Amazon offers commercial auto insurance coverage to its drivers actively making deliveries.
Does Amazon provide auto insurance for Amazon Flex delivery?
Amazon provides its Amazon Flex drivers with commercial coverage while actively delivering packages, but this auto insurance doesn’t take the place of every driver’s necessary liability car insurance coverage.
Amazon delivery driver requirements state that all drivers must have a minimum of liability coverage. All drivers in the U.S. must purchase liability coverage. However, Amazon provides its independent contractors with additional protection through its commercial auto insurance policy.
Amazon auto insurance coverage for Flex drivers includes:
- Additional liability coverage
- Uninsured and underinsured motorist coverage
- Comprehensive insurance and collision insurance coverage, depending on the situation
Amazon also specifies on its website that commercial coverage only covers Amazon drivers, so if you’re driving with a passenger, that person won’t receive any coverage from the policy.
If you work for Amazon Flex but allow someone else to make a Flex delivery, Amazon’s commercial insurance won’t cover that individual, so you’ll have to pay for the damages out of your pocket if an accident occurs.
The company also notes that Amazon car insurance cannot cover Amazon Flex drivers in New York. Instead, these individuals may need additional commercial coverage to meet delivery requirements.
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How much is Amazon Flex car insurance?
Amazon Flex drivers don’t have to pay for additional commercial coverage with the company. Instead, they automatically receive coverage from Amazon’s commercial car insurance policy when driving to pick up or deliver packages.
However, rates for standard car insurance coverage vary based on several factors, including:
- Age
- Gender
- Car make and model
- Driving history
- ZIP code
- Credit history
- Coverage types
If you only carry liability coverage and have a clean driving record, you can expect to pay a lower amount for your car insurance coverage.
The table below shows the average annual car insurance rates in each state in the U.S. based on coverage type.
Average Annual Auto Insurance Rates by State and Coverage Type
States Average Annual Liability Coverage Rates Average Annual Collision Coverage Rates Average Annual Comprehensive Coverage Rates Average Annual Full Coverage Coverage Rates
North Dakota $283 $252 $113 $741
South Dakota $289 $251 $110 $1,206
Iowa $293 $251 $231 $819
Wyoming $323 $270 $223 $817
Maine $334 $332 $147 $1,078
Idaho $337 $285 $118 $833
Vermont $341 $278 $118 $738
Kansas $342 $255 $130 $904
Nebraska $349 $294 $117 $1,058
North Carolina $358 $227 $228 $738
Wisconsin $360 $210 $126 $696
Indiana $372 $207 $172 $672
Alabama $373 $299 $146 $818
Ohio $376 $298 $202 $941
Arkansas $381 $305 $183 $869
Montana $388 $224 $206 $779
New Hampshire $393 $365 $123 $1,354
Tennessee $398 $290 $136 $824
Missouri $399 $255 $200 $843
Virginia $413 $265 $130 $808
Illinois $431 $237 $115 $725
Mississippi $437 $260 $166 $825
Minnesota $440 $303 $195 $935
Oklahoma $442 $212 $90 $856
Hawaii $458 $209 $111 $657
New Mexico $462 $358 $157 $1,300
California $463 $365 $99 $927
Utah $471 $254 $107 $832
Colorado $477 $263 $158 $899
Arizona $489 $259 $184 $932
Georgia $491 $298 $100 $856
Pennsylvania $495 $377 $122 $1,219
South Carolina $498 $200 $229 $718
Texas $498 $341 $187 $1,026
West Virginia $501 $319 $195 $1,016
Kentucky $519 $391 $209 $1,327
Alaska $547 $360 $141 $1,049
Oregon $553 $307 $132 $934
Washington $569 $250 $104 $923
Massachusetts $588 $383 $147 $1,252
Maryland $599 $359 $129 $1,075
District of Columbia $628 $449 $230 $1,308
Connecticut $634 $349 $126 $1,109
Nevada $647 $282 $103 $778
Rhode Island $720 $248 $165 $911
Michigan $722 $214 $173 $827
Louisiana $727 $249 $97 $680
Delaware $777 $297 $113 $1,186
New York $785 $265 $123 $745
Florida $845 $320 $154 $965
New Jersey $866 $267 $167 $897
As you can see, a full coverage policy on your vehicle can cost more than double what a liability-only policy would. However, full coverage policies are the best way to protect yourself and your vehicle in virtually every situation.
What kind of auto insurance coverage do I need to drive for Amazon Flex?
The minimum auto insurance required in each state varies, you must at least carry a liability insurance policy if you want to drive in your state.
The table below shows the requirements for liability insurance in each state. The numbers represent car insurance requirements per thousand dollars of bodily injury liability per person, bodily injury liability per accident, and property damage liability.
Minimum Liability Auto Insurance Coverage Requirements by State
States Coverages Limits
Alabama Bodily injury and property damage liability 25/50/25
Alaska Bodily injury and property damage liability 50/100/25
Arizona Bodily injury and property damage liability 15/30/10
Arkansas Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
California Bodily injury and property damage liability 15/30/5
Colorado Bodily injury and property damage liability 25/50/15
Connecticut Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Delaware Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/10
Washington, D.C. Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/10
Florida Bodily injury and property damage liability, Personal injury protection (PIP) 10/20/10
Georgia Bodily injury and property damage liability 25/50/25
Hawaii Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/10
Idaho Bodily injury and property damage liability 25/50/15
Illinois Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Indiana Bodily injury and property damage liability 25/50/25
Iowa Bodily injury and property damage liability 20/40/15
Kansas Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
Kentucky Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/25
Louisiana Bodily injury and property damage liability 15/30/25
Maine Bodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay) 50/100/25
Maryland Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 30/60/15
Massachusetts Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/5
Michigan Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/10
Minnesota Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 30/60/10
Mississippi Bodily injury and property damage liability 25/50/25
Missouri Bodily injury and property damage liability, uninsured motorist 25/50/25
Montana Bodily injury and property damage liability 25/50/20
Nebraska Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Nevada Bodily injury and property damage liability 25/50/20
New Hampshire Financial responsibility only 25/50/25
New Jersey Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 15/30/5
New Mexico Bodily injury and property damage liability, 25/50/10
New York Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/10
North Carolina Bodily injury and property damage liability, uninsured motorist, underinsured motorist 30/60/25
North Dakota Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/25
Ohio Bodily injury and property damage liability 25/50/25
Oklahoma Bodily injury and property damage liability 25/50/25
Oregon Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/20
Pennsylvania Bodily injury and property damage liability, Personal injury protection (PIP) 15/30/5
Rhode Island Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
South Carolina Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
South Dakota Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Tennessee Bodily injury and property damage liability 25/50/15
Texas Bodily injury and property damage liability, Personal injury protection (PIP) 30/60/25
Utah Bodily injury and property damage liability, Personal injury protection (PIP) 25/65/15
Vermont Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/10
Virginia Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Washington Bodily injury and property damage liability 25/50/10
West Virginia Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Wisconsin Bodily injury and property damage liability, uninsured motorist, medical payments (MedPay) 25/50/10
Wyoming Bodily injury and property damage liability 25/50/20
As you can see, each state’s requirements can be significantly different from another. Some states also require more coverage, like personal injury protection, medical payments, and uninsured or underinsured motorist insurance.
Do Amazon Flex drivers need additional car insurance coverage?
Since Amazon Flex drivers have commercial coverage from Amazon when delivering goods, they’re not required to purchase commercial or business insurance unless they live in New York.
Since New York Amazon Flex requirements are different, drivers may want to purchase additional commercial coverage on their vehicles.
Amazon Flex drivers in other states should also consider carrying more than a liability-only policy to ensure they have the proper protection in the event of an accident.
Collision coverage helps in an accident, and coverage extends to you and your vehicle even if you’re at fault. In addition, comprehensive coverage is helpful when your car gets damaged by theft, vandalism, inclement weather, or other incidents unrelated to an accident.
Combining collision and comprehensive coverage into a full coverage policy offers protection for virtually every circumstance. Therefore, anyone who drives frequently should consider purchasing a full coverage policy with liability, collision, and comprehensive coverage.
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Will my personal auto insurance cover Amazon Flex delivery?
Many insurance companies will not cover drivers if they drive for business purposes. Because of this, your car insurance policy may not be very beneficial if you’re ever in an accident. Some people who use their cars for business fewer than 20 hours a week purchase a business use add-on for their car insurance.
If you aren’t sure whether your car insurance will cover you if you’re in an accident while working for Flex, contact your insurance provider. Let the company know what you do for work, and ask if you should purchase additional coverage or if it’s necessary to purchase a commercial policy on your vehicle.
Amazon Flex Auto Insurance: The Bottom Line
While Amazon Flex drivers need car insurance, they aren’t required to purchase commercial coverage. Instead, Amazon’s commercial car insurance policy covers drivers when they’re making deliveries.
If you drive for Amazon Flex, you should consider purchasing more than your state’s minimum liability requirements. Check with your auto insurance provider to learn whether you need to purchase a business add-on or another version of commercial coverage on your vehicle.
Frequently Asked Questions
Why do I need auto insurance for Amazon Flex?
Auto insurance is essential when working for Amazon Flex because it provides financial protection in case of accidents, property damage, or injuries that may occur while you’re using your vehicle for work purposes. It helps cover the costs of repairs, medical expenses, or legal claims that may arise.
Are there specific insurance companies that offer policies for Amazon Flex drivers?
While several insurance companies offer commercial auto insurance for delivery drivers, not all of them explicitly cater to Amazon Flex drivers. It’s important to research and compare insurance providers to find those that offer coverage suitable for your specific needs as an Amazon Flex driver. Consider reaching out to insurance companies that specialize in commercial or gig economy insurance to explore your options.
Are there any specific insurance requirements for Amazon Flex drivers?
Amazon Flex drivers are typically required to carry their own commercial auto insurance. The specific insurance requirements may vary by location and depend on the type of delivery service you provide. It’s crucial to review the terms and conditions provided by Amazon Flex and consult your insurance provider to ensure you have the appropriate coverage.
What factors can impact the cost of auto insurance for Amazon Flex?
Several factors can influence the cost of auto insurance for Amazon Flex, including:
- Vehicle type: The make, model, and age of your vehicle can affect insurance rates. Older, less expensive vehicles often have lower premiums compared to newer, high-value cars.
- Driving record: A history of accidents, traffic violations, or insurance claims may increase your insurance premiums.
- Coverage limits: Higher coverage limits typically result in higher premiums. Evaluate your coverage needs carefully to strike a balance between protection and affordability.
- Location: The area where you live and operate as an Amazon Flex driver can impact insurance rates. Areas with higher traffic congestion or crime rates may result in higher premiums.
- Deductible amount: Opting for a lower deductible may result in higher premiums, while choosing a higher deductible can lower your premium but may require more out-of-pocket expenses in case of a claim.
- Mileage: The number of miles you drive while working for Amazon Flex can influence your insurance rates. Be prepared to provide accurate mileage estimates to your insurance provider.
How can I find cheap auto insurance for Amazon Flex?
To find affordable auto insurance for Amazon Flex, consider the following tips:
- Compare quotes: Obtain multiple quotes from different insurance companies to compare prices and coverage options. Online comparison tools or contacting insurance agents can assist you in this process.
- Opt for basic coverage: If you’re looking to save money, consider choosing a basic auto insurance policy that meets your state’s minimum requirements. This may have lower premiums but could offer limited coverage.
- Take advantage of discounts: Many insurance companies offer various discounts that you may qualify for, such as good driver discounts, multi-policy discounts, or discounts for safety features in your vehicle.
- Maintain a good driving record: A clean driving record can help you secure lower insurance rates. Avoid accidents, traffic violations, and insurance claims to demonstrate responsible driving habits.
- Increase deductibles: Consider raising your deductible—the amount you pay out of pocket before insurance coverage kicks in. However, be prepared to pay a higher amount in case of a claim.
- Seek advice from an insurance professional: Consulting an insurance agent or broker who specializes in commercial auto insurance can help you find the best coverage options and discounts tailored to your needs.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.