Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Mar 14, 2022

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Just What's Essential

  • DoorDash requires that its drivers carry at least their state’s minimum liability coverage
  • If you are in a car accident while driving for DoorDash, you may be able to utilize the company’s commercial car insurance coverage
  • It’s a good idea to look into purchasing a full coverage car insurance policy if you are using your personal vehicle as a delivery driver

If you’re thinking of getting a job with DoorDash, or if you already have a job as a delivery driver, you may be curious what the DoorDash insurance requirements are when it comes to driving your personal vehicle.

DoorDash makes it clear on the company website that it requires drivers to have a valid driver’s license, current car insurance, and a clean driving record. The good thing, DoorDash does not require any business or commercial insurance coverage, and drivers only need to carry their state’s minimum insurance requirements.

Do you need insurance for DoorDash?

To drive for DoorDash, you will need to carry at least your state’s minimum requirements when it comes to car insurance. Additionally, you will need to be 18 years or older, have a valid driver’s license, possess a clean driving record, and maintain a valid DoorDash driver account.

Most states in the U.S. require at least liability coverage for vehicles to drive legally. Depending on where you live, you may also be required to carry additional coverage with an insurance company.

The table below shows each U.S. state requirement for car insurance.

Minimum Liability Coverage Requirements by State
StateCoverage Type RequiredMinimum Liability Limits
AlabamaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
AlaskaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)50/100/25
ArizonaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)15/30/10
ArkansasBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus personal injury protection25/50/25
CaliforniaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)15/30/5
ColoradoBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/15
ConnecticutBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident) plus uninsured/underinsured motorist coverage25/50/20
DelawareBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus personal injury protection25/50/10
District of ColumbiaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/10
FloridaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)10/20/10
GeorgiaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
HawaiiBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)20/40/10
IdahoBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/15
IllinoisBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/20
IndianaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
IowaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)20/40/15
KansasBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
KentuckyBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
LouisianaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)15/30/25
MaineBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus Medpay coverage50/100/25
MarylandBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)30/60/15
MassachusettsBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)20/40/5
MichiganBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)20/40/10
MinnesotaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)30/60/10
MississippiBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
MissouriBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
MontanaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/20
NebraskaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
NevadaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/20
New HampshireBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
New JerseyBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)15/30/5
New MexicoBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/10
New YorkBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/10
North CarolinaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)30/60/25
North DakotaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
OhioBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
OklahomaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
OregonBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus personal injury protection25/50/20
PennsylvaniaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)15/30/5
Rhode IslandBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
South CarolinaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident), plus uninsured/underinsured motorist coverage25/50/25
South DakotaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
TennesseeBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/15
TexasBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)30/60/25
UtahBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/65/15
VermontBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/10
VirginiaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/20
WashingtonBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/10
West VirginiaBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/25
WisconsinBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/10
WyomingBodily injury (per person)/Bodily injury (per accident)/Property damage (per accident)25/50/20
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In order to drive for DoorDash, you need to carry at least what your state requires in the table above.

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Should DoorDash drivers carry additional car insurance coverage?

DoorDash insurance coverage requirements are lenient, but it’s not a bad idea to carry more than what your state requires when it comes to car insurance.

In most states, meeting the requirements for car insurance will not help you pay for damage to your vehicle if you’re the person at fault in an accident. Additionally, liability coverage will not help you repair your car if it’s been vandalized or damaged by inclement weather.

The most common types of car insurance coverage that people add to a liability-only policy include:

  • Comprehensive coverage: Covers your vehicle if it is stolen, vandalized, or damaged by weather
  • Collision coverage: Covers your vehicle if you are in a car accident
  • Medical payments: Covers any injuries that occurred because of a car accident
  • Uninsured/underinsured motorist: Covers your vehicle if another driver is at fault in an accident but does not carry the proper insurance

Suppose you drive a good bit for DoorDash. In that case, you may want to purchase a full coverage policy, which would include comprehensive and collision coverage, along with other coverage types like medical payments.

What happens if I am in an accident while driving for DoorDash?

If you are driving for DoorDash and you’re in an accident, you should contact your insurance company. If you are on an active delivery — meaning you are either heading to the merchant to pick up the items or from the merchant to the customer to deliver them — the DoorDash commercial car insurance coverage may cover a portion of the fees.

But if you’re driving away from the customer’s home or you’re not on the clock with DoorDash, you will need to call on your personal car insurance policy.

If you’re making a DoorDash insurance claim, you will want to collect as much information as possible. DoorDash only covers your car after you have filed a claim with your personal insurance company. While making DoorDash insurance claims can be a simple process, it’s hard to know exactly how much the coverage will help.

Does DoorDash offer health insurance?

DoorDash has started to offer health insurance through Stride Health, which offers life, health, dental, and vision coverage. If you work for DoorDash, you may be eligible for health insurance through a Stride Health insurance plan.

As a DoorDash delivery driver, it’s a good idea to utilize the benefits of your job as much as you can. If you have specific questions about your eligibility for a DoorDash car or health insurance, you can call and speak to a DoorDash representative.