To add food delivery insurance to your existing personal auto insurance policy, contact your insurer and discuss your options. You may need to request a business-use endorsement for your policy. Your provider may also offer a cheaper food delivery add-on. Remember, rideshare insurance isn’t the same as a full commercial auto insurance policy.

Progressive and State Farm offer food delivery add-ons. This endorsement is likely to increase your insurance costs by $20 to $40 a month, and rate hikes will depend on your car insurance provider and state. These companies each also offer liability insurance and comprehensive coverage options, so if you’re considering switching providers, consider getting quotes from Progressive and State Farm.

Food Delivery Insurance: Our Take

If you need to purchase food delivery insurance, the easiest thing to do is contact your current personal car insurance provider and speak with an insurance agent. If adding this endorsement is too expensive or if your insurer doesn’t offer food delivery insurance, it may be time to switch providers. 

We recommend considering two of our top-rated auto insurance companies, State Farm and Progressive, both of which offer food delivery insurance. After reviewing each provider, reach out for free insurance quotes to compare before committing to a contract. 

State Farm: Best Overall Provider

We rated State Farm the Best For Basic Coverage provider because of its nationwide availability and wide selection of coverage and discount options. The company also has high customer satisfaction scores for its insurance claims from J.D. Power and an excellent industry reputation. State Farm is rated A++ in financial strength by AM Best. Through our research, we scored the insurer 4.7 out of 5.0 stars.

State Farm offers some of the lowest rates in the industry and is a good choice for drivers looking for food delivery insurance coverage. It offers what it calls rideshare coverage for those driving for companies like Uber, Lyft, Grubhub, or Postmates. This coverage is purchased as an add-on to your personal policy, and while it will increase your rates, it is unlikely to cause the same kind of increases other providers may charge for a business-use endorsement.

Read more about the company in our State Farm insurance review.

Progressive: Best For Usage-Based Insurance

Progressive is one of the top insurers in the United States and a great choice for usage-based car insurance. It offers several money-saving features and has an A+ financial strength rating from AM Best. We gave Progressive 4.5 out of 5.0 stars during our research and ratings process.

Those with Progressive policies can opt to add “pizza delivery insurance” to its personal auto insurance policies. Despite its name, this add-on covers drivers using their vehicles to deliver any type of food.

Read more about the company in our Progressive insurance review.