Best Shipt Car Insurance in 2024 (Your Guide to the Top 10 Companies)
Farmers, Liberty Mutual, and Geico offer the best Shipt car insurance, starting at just $75 a month. These providers excel in coverage options, pricing, and customer satisfaction, making them top picks for Shipt drivers seeking reliable, comprehensive, and affordable insurance solutions.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Jul 16, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Jul 16, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The top picks for the best Shipt car insurance are Farmers, Liberty Mutual, and Geico. These companies are chosen for their optimal balance of cost, coverage options, and customer support, tailored for Shipt drivers.
Shipt doesn’t offer auto insurance so drivers are responsible for finding coverage themselves. Understanding your car insurance policy will ensure that you have the right coverage should you suffer a Shipt car accident.
Our Top 10 Company Picks: Best Shipt Car Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 20% A Coverage Options Farmers
#2 25% A Multi-Policy Discounts Liberty Mutual
#3 25% A++ Low Rates Geico
#4 20% A+ Nationwide Reach Nationwide
#5 25% A+ Drivewise Program Allstate
#6 12% A+ Custom Pricing Progressive
#7 8% A++ Smart Driving Travelers
#8 20% A++ Flexible Plans State Farm
#9 20% A Personalized Care American Family
#10 25% A Membership Perks AAA
This guide explores how each insurer caters to the needs of Shipt drivers, helping them stay covered on the road.
If you’re looking for affordable Shipt auto insurance quotes, start shopping around for commercial auto insurance rates. Enter your ZIP code above to get free commercial car insurance quotes from local companies near you.
- Farmers is the top pick for Shipt car insurance
- Shipt car insurance requires coverage beyond standard policies
- Options include tailored plans addressing the risks of delivery driving
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#1 – Farmers: Top Overall Pick
Pros
- Substantial Multi-Vehicle Discount: Farmers offers a 20% discount for multi-vehicle policies.
- Broad Coverage Options: A wide range of coverage choices tailored to different needs.
- Reputable Ratings: Holds an A.M. Best rating of A, indicating strong financial health. Discover insights in our Farmers car insurance review.
Cons
- Higher Rates Without Discounts: Premiums can be relatively higher without qualifying for discounts.
- Average Customer Satisfaction: Customer feedback indicates average satisfaction in claims handling and service.
#2 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- Generous Multi-Policy Discounts: Liberty Mutual provides a significant 25% discount for bundling policies.
- Strong Financial Standing: Rated A by A.M. Best, ensuring dependable claims processing.
- Diverse Policy Offerings: Offers a variety of policies that can be bundled for savings. Read up on the Liberty Mutual car insurance review for more information.
Cons
- Variable Pricing: Rates can vary significantly between states and customer profiles.
- Customer Service Concerns: Some users report less than satisfactory customer service experiences.
#3 – Geico: Best for Low Rates
Pros
- Competitive Pricing: Known for offering some of the lowest rates in the industry.
- High Financial Stability: Geico boasts an A++ rating from A.M. Best, the highest possible.
- Efficient Claims Processing: Noted for fast and efficient claims handling. Access comprehensive insights into our Geico car insurance review.
Cons
- Basic Coverage Options: More limited in customization compared to competitors.
- Online-Focused Service: This may not suit those preferring in-person agent interactions.
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#4 – Nationwide: Best for Nationwide Reach
Pros
- Extensive National Presence: Offers services across a broad geographical area. Check out insurance savings in our complete Nationwide car insurance discount.
- High Financial Rating: A+ rating from A.M. Best ensures strong backing for claims.
- Flexible Coverage Options: Provides a variety of customizable insurance solutions.
Cons
- Inconsistent Customer Experiences: Customer satisfaction can vary depending on region.
- Pricier Options: Some coverage options may come at a higher price point.
#5 – Allstate: Best for Drivewise Program
Pros
- Innovative Drivewise Program: Rewards safe driving with discounts and incentives.
- Strong Policy Discounts: Offers a 25% discount for multi-vehicle policies. Discover more about offerings in our Allstate car insurance review.
- Comprehensive Coverage Selection: Wide range of coverage options for various needs.
Cons
- Higher Base Premiums: Generally higher premiums compared to some competitors.
- Mixed Reviews on Claims Satisfaction: Some customers express dissatisfaction with claims processes.
#6 – Progressive: Best for Custom Pricing
Pros
- Customized Pricing Model: Progressive’s pricing adjusts to match customer profiles and needs.
- Name Your Price Tool: This unique tool helps find policies that fit customers’ budgets.
- Strong Financial Health: Rated A+ by A.M. Best, indicating reliability. Delve into our evaluation of Progressive car insurance review.
Cons
- Lower Multi-Vehicle Discount: Offers a smaller discount of 12% for multi-vehicle policies.
- Customer Service Variability: Reports of inconsistent customer service experiences.
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#7 – Travelers: Best for Smart Driving
Pros
- Incentives for Smart Driving: Discounts for safe driving through telematics.
- High Financial Stability: A++ rating from A.M. Best. See more details on our Travelers car insurance review.
- Customizable Plans: Offers a range of options that can be tailored to specific needs.
Cons
- Limited Discount for Multiple Vehicles: Only an 8% discount on multi-vehicle policies.
- Higher Than Average Premiums: This can be more expensive than other insurers for similar coverage.
#8 – State Farm: Best for Flexible Plans
Pros
- Flexible Coverage Options: Wide array of plans that can be adjusted to suit different needs.
- High Low-Mileage Discount: Significant savings for low-mileage drivers.
- Strong Financial Rating: A++ rating from A.M. Best. Unlock details in our State Farm car insurance review.
Cons
- Limited Multi-Policy Discount: Not as competitive with multi-policy discounts as others.
- Higher Premium Costs: Premiums might be higher for certain coverage levels despite discounts.
#9 – American Family: Best for Personalized Care
Pros
- High Focus on Personal Service: Known for personalized customer care and support.
- Strong Multi-Vehicle Discount: Offers a 20% discount on multi-vehicle policies.
- Solid Financial Stability: Maintains an A rating from A.M. Best. Learn more in our American Family car insurance review.
Cons
- Limited Availability: Not available in all states.
- Potentially Higher Rates: Rates might be higher compared to some large national insurers.
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#10 – AAA: Best for Membership Perks
Pros
- Exclusive Membership Benefits: Offers unique perks and discounts for AAA members. Access comprehensive insights into our AAA car insurance review.
- Comprehensive Multi-Vehicle Discount: Provides a 25% discount for multiple vehicles.
- Variety of Insurance Products: Offers a broad range of insurance products beyond auto.
Cons
- Membership Requirement: Requires AAA membership to access insurance services.
- Varied Customer Service: Customer service quality can vary widely between regions.
Comparative Monthly Rates for Shipt Car Insurance
When considering Shipt car insurance, it’s crucial to understand the differences in cost between the minimum and full coverage options offered by various insurers. This breakdown provides a clear comparison to help drivers choose the best policy for their needs.
Car Insurance Monthly Rates for Shipt Car by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $80 $190
Allstate $90 $200
American Family $85 $195
Farmers $95 $205
Geico $75 $185
Liberty Mutual $100 $210
Nationwide $82 $192
Progressive $78 $188
State Farm $88 $198
Travelers $84 $194
AAA offers minimum coverage at $80 and full coverage at $190, making it a middle-range option for budget-conscious drivers. Allstate and State Farm provide similar pricing structures, with minimum coverages at $90 and $88, and full coverage at $200 and $198, respectively. American Family and Travelers present slightly lower rates, with minimum coverages at $85 and $84 and full coverages at $195 and $194.
Farmers and Liberty Mutual are at the higher end, charging $95 and $100 for minimum coverage and $205 and $210 for full coverage. Geico offers the most economical rates among the listed companies, with minimum coverage at just $75 and full coverage at $185.
Progressive and Nationwide also offer competitive rates, with Progressive’s minimum and full coverages at $78 and $188, and Nationwide’s at $82 and $192. This table illustrates the spectrum of monthly rates drivers can expect, providing a basis for more informed decision-making regarding their insurance needs (For more information, read our “Best Full Coverage Car Insurance”).
What Type of Shipt Car Insurance Do You Need
Shipt verifies that every driver has car insurance but only requires the state’s minimum liability car insurance coverage. However, the minimum coverage is less coverage than is recommended.
Farmers consistently delivers top-tier coverage tailored specifically for Shipt drivers' needs.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
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How Do You Buy Shipt Car Insurance
Does Shipt offer insurance? Shipt drivers are independent contractors so the company is not responsible for providing insurance. It’s up to each driver to obtain the right amount of Shipt auto insurance to make sure they’re covered should an accident occur.
Read more: Compare Independent Contractor Car Insurance Rates
To ensure that you receive accurate Shipt car insurance quotes, there is certain information that will be required by a provider. Some of the information required includes:
- Your vehicle information
- Your current auto insurance policy
- The average number of miles you expect to drive
- The total cost of commercial items you’ll carry in your vehicle
Providing this information will ensure that you receive the best car insurance quotes.
How Can You Find Cheap Shipt Car Insurance
The Insurance Information Institute states that many factors help determine the cost of car insurance. But those looking to buy Shipt auto insurance coverage will quickly find that commercial car insurance is more expensive than personal car insurance.
Fortunately, there are ways to find affordable Shipt car insurance rates. Drivers can ask about qualifying for certain car insurance discounts like:
- Clean Driving Record
- Strong Credit History
- Bundling Policies
Additionally, some providers offer delivery coverage as an add-on feature. This can make coverage cheaper than buying traditional commercial car insurance.
Shipt Car Insurance: The Bottom Line
Shipt mandates that delivery drivers have at least the minimum required car insurance, but it’s advisable to have more comprehensive coverage, such as commercial car insurance, which often costs more than personal car insurance. However, there are strategies to reduce the cost of Shipt auto insurance, even though Shipt does not contact your insurance company. See more details on our “Minimum Car Insurance Requirements by State.”
Now that you know how to find the best rates for Shipt auto insurance, enter your ZIP code to start comparing commercial car insurance quotes from the top companies in your area.
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Frequently Asked Questions
What are senior citizen car insurance discounts?
Senior citizen car insurance discounts are special offers and benefits provided by insurance companies to older drivers who meet specific age requirements. These discounts are aimed at recognizing the lower risk associated with experienced drivers and providing them with affordable coverage options.
For additional details, explore our comprehensive resource titled “Best Senior Citizen Car Insurance Discounts.”
What age qualifies for senior citizen car insurance discounts?
The qualifying age for senior citizen car insurance discounts varies among insurance companies. Generally, individuals aged 55 or older may be eligible for these discounts, but it’s best to check with your specific insurance provider to determine their age criteria.
How much can I save with senior citizen car insurance discounts?
The amount of savings you can expect with senior citizen car insurance discounts varies based on several factors, including your insurance provider, your driving record, and the coverage options you choose. On average, senior citizen discounts can range from 5% to 15% off your premium.
What factors determine eligibility for senior citizen car insurance discounts?
Eligibility for senior citizen car insurance discounts is typically based on factors such as age, driving record, and the number of years of driving experience. Some insurance companies may also consider factors like annual mileage, vehicle type, and location.
Do I need to take a driving course to qualify for senior citizen car insurance discounts?
Some insurance companies may offer additional discounts if you complete an approved defensive driving course or a senior driver improvement program. It’s worth checking with your insurance provider to see if they offer such discounts and if completing a course is necessary to qualify.
To find out more, explore our guide titled “Best Car Insurance for Seniors.”
What is grocery delivery insurance for Shipt?
Grocery delivery insurance for Shipt is a specialized auto insurance policy that covers drivers while they are performing deliveries for Shipt.
What does gig worker auto insurance cover?
Gig worker auto insurance provides coverage for drivers using their personal vehicles for business purposes, including ride-sharing and delivery services like Shipt.
What is included in Shipt insurance?
Shipt insurance typically refers to the auto insurance that Shipt drivers must carry, which covers liability and potentially more, depending on the driver’s policy choices.
How does Shipt car insurance work?
Shipt car insurance involves carrying a personal auto policy that meets the minimum liability coverage required by Shipt, often supplemented by commercial or additional coverage.
To learn more, explore our comprehensive resource on “What is the minimum amount of liability car insurance coverage required?“
What is Shipt auto insurance?
Shipt auto insurance refers to the personal automobile insurance all Shipt drivers are required to maintain, which should meet or exceed state minimum liability requirements.
What are Shipt insurance requirements?
Shipt insurance requirements include maintaining personal auto insurance that meets state minimum liability standards to cover any potential damages or injuries while making deliveries.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
Do I need Shipt shopper insurance?
Yes, as a Shipt shopper, you need to have personal auto insurance that satisfies your state’s minimum requirements to be eligible to drive for Shipt.
What type of car insurance for Shipt drivers is advisable?
Shipt drivers are advised to carry personal auto insurance that meets state liability requirements and consider additional coverage like commercial or gig worker insurance for better protection.
Learn more by reading our guide titled “Best Personal Accident Insurance.”
Is Shipt shopper car insurance different from regular auto insurance?
Shipt shopper car insurance is typically regular personal auto insurance that meets Shipt’s and state minimum requirements, though additional coverage is recommended for full protection.
What are Shipt car requirements?
Shipt car requirements include having a reliable vehicle that meets regional criteria, current registration, and appropriate insurance to cover delivery activities.
What do Shipt car insurance requirements entail?
Shipt car insurance requirements entail having a personal auto insurance policy that meets minimum state liability coverages, ensuring all delivery activities are covered.
Why does Shipt need my insurance?
Shipt requires your insurance to ensure that you and others are protected against potential liabilities and damages incurred while you are delivering orders.
Access comprehensive insights into our guide titled “Best Car Insurance for Delivery Drivers.”
What is Shipt vehicle insurance?
Shipt vehicle insurance is the personal auto insurance that every Shipt driver must have, which must at least meet the state-required minimum liability coverages.
Is Shipt better than DoorDash?
DoorDash is busier than Shipt in most markets, so it’s the primary app many gig workers use. In contrast, use Shipt if you know your way around the grocery store and want to put fewer miles on your car. DoorDash pays more than Shipt on average, however, Shipt can have higher tips some days for large grocery orders.
What is the downside to being a Shipt shopper?
As you can see, other Shipt Shoppers generally seem happy with the hourly pay and flexibility. But you have to keep a high rating to get access to the best orders, which means delivering on time and providing great customer service. And, as some reviews point out, pay can be a bit inconsistent.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
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.
