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Best Courier Car Insurance 2022

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If you’re looking for some extra cash, becoming a delivery driver can help supplement your income. But first, you need to make sure you have the right Courier Car Insurance. Courier Car Insurance companies cover you and your vehicle while you’re transporting goods, including food, groceries, or Amazon orders. Rideshare insurance is one of the most common types of insurance that will cover many delivery drivers.

You can purchase Courier Car Insurance from a number of private insurance companies, but it’s important to compare providers before choosing one. The best Courier Car Insurance offers robust coverage options, high policy limits, affordable premiums, and easy purchase options.

Courier Car Insurance

Best Courier Car Insurance Companies in 2022


We chose USAA as the best overall Courier Car Insurance company because it’s one of the highest-rated carriers in the industry. In the J.D. Power 2021 U.S. Auto Insurance Study, USAA ranked as the top provider for overall customer satisfaction in every region, and it also ranked highly for claim handling in the 2020 Study.12

You can get rideshare insurance through USAA if you have an existing USAA personal auto policy. Coverage can be used for any delivery driving, such as traditional ridesharing, delivering food, or delivering medications.

USAA doesn’t specify how much its Courier Car Insurance costs or what coverage limits are available. However, you can easily get a free quote and add a rideshare endorsement to your existing policy by logging into your USAA account online.

If your vehicle gets damaged during a delivery run, you can easily file a claim online or through the mobile app. We also like that you can get guaranteed vehicle repairs at one of many auto body shops in USAA’s network. 

Although USAA is highly rated, there are a few downsides. Notably, you must be an active duty or retired military service member or a family member to get USAA rideshare insurance.


Erie offers rideshare insurance as a business use designation added to your personal auto policy. It’s the best option for small business owners who deliver items and use their personal vehicles for other business purposes.

Erie claims that its rideshare insurance is affordable but doesn’t advertise a potential cost. To get a free quote, you’ll need to call an agent or visit one in person. During the quote process, you can see how much coverage is available where you live and what deductibles you can choose. You have to work with an agent to purchase a policy. 

Because Erie’s rideshare insurance is a business use designation badge, you can use this coverage for any delivery or business-related transportation.

One of the biggest downsides to Erie is that coverage is limited to only a few states. Currently, you can get rideshare coverage in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington, D.C.


We chose Progressive as the best Courier Car Insurance company for food delivery because its rideshare policies extend coverage to anyone working as a food delivery driver. Progressive’s rideshare insurance also covers drivers for Uber and Lyft.

To get food delivery insurance from Progressive, you must have an active personal car insurance policy from the company. While delivering food, all of your personal car insurance coverages apply, including roadside assistance and rental car reimbursement (if you add them).

You can get a free quote online by filling out the car insurance application and checking the box that says, “I also use this vehicle for Ridesharing.” You will also be able to choose your coverage limits and set your deductible. If you already have a Progressive auto insurance policy, you may be able to add a rideshare endorsement through your online account.

If you need to file a claim, you can do so online, through the mobile app, or by calling customer service. Progressive works with a network of auto body shops, but you can choose any car repair shop if your vehicle gets damaged during a delivery.

There aren’t many downsides to Progressive’s Courier Car Insurance, but the main one is that coverage is not available everywhere. You can only get rideshare insurance in 34 states plus Washington, D.C.; however, Progressive does offer a separate commercial policy in all states. Additionally, a policy from Progressive may not cover food delivery drivers in every state or for every stage of the food delivery process.


We chose Allstate as the best Courier Car Insurance company for coverage options because any endorsements you have on your personal auto policy will automatically apply when you deliver goods or food or transport passengers. Not all rideshare insurance providers structure their policies this way.

That means if you have endorsements, like accident forgiveness, new car replacement, or custom equipment insurance, those coverages will still remain active when you drive for a delivery service.

When researching Allstate’s Courier Car Insurance, called Ride for Hire, we found that there’s not much information online about the coverage limits, deductibles, or discounts available. If you want to get a free quote or purchase an endorsement, you’ll need to contact an agent in your area.

Another advantage of Allstate’s Courier Car Insurance is that coverage is available almost everywhere. As of 2018, Allstate’s Ride for Hire policy was available in 47 states. The only catch is that you must have a current personal car insurance policy from Allstate.

One thing to keep in mind with Allstate is that it may not cover all types of delivery drivers. The website focuses mainly on coverage for rideshare drivers, so if you deliver food or goods, check with an agent to see if Allstate’s policy will cover you.


Many Courier Car Insurance companies are on the market, but each one has its pros and cons. Based on our comparison, we determined that USAA is the best provider overall.

USAA is highly rated for customer service and claim satisfaction, and it’s easy to add a rideshare endorsement to your policy online. Not to mention, USAA typically has affordable rates if you meet the military eligibility requirements.

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