Amazon Flex Delivery Auto Insurance: Rates & Requirements (2026)
Amazon Flex delivery auto insurance will cover up to $1 million in damage to third-party vehicles and up to $50,000 in damage to your vehicle. You still need to carry a personal auto insurance policy.
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Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
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Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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Updated January 2025
- Amazon Flex is a commercial delivery process offered by Amazon to its delivery drivers.
- The Amazon Flex policy is free to all Amazon Prime Now drivers.
- Drivers are only covered by Amazon Flex during the normal course of their delivery duties.
If you are an Amazon delivery driver, it’s important that you have proper auto insurance coverage, especially if you are using your personal vehicle for deliveries. Amazon Flex delivery auto insurance is commercial auto insurance offered by Amazon to cover their drivers in case of an accident.
Whether you are looking for personal or commercial auto insurance quotes, use our free tool above to find multiple auto insurance rates near you.
What is Amazon Flex delivery auto insurance?
As mentioned above, Amazon offers Amazon Flex commercial auto insurance to its drivers to cover any gaps that the driver’s personal insurance may not cover during delivery services.
Since you don’t need to shop around at other insurance companies and buy your own commercial insurance, Amazon’s auto insurance coverage can save you money. Here’s a look at what commercial auto insurance could cost.
Monthly Commercial Auto Insurance Rates by Vehicle & Coverage Type
| Vehicle Type | Minimum Coverage | Full Coverage |
|---|---|---|
| Cab | $417 | $833 |
| Car | $50 | $200 |
| Cargo/Delivery Van | $275 | $517 |
| Limo | $333 | $500 |
| Semi | $667 | $1,042 |
Amazon vehicle insurance includes basic types of auto insurance like liability coverage, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage.
The auto insurance coverage included with Amazon Flex covers up to $1 million in damages to third-party vehicles and up to $50,000 in damage to your vehicle. You are also required to carry separate comprehensive and collision coverage from your own personal or commercial auto insurance company.
Amazon offers a comprehensive list of Frequently Asked Questions to help them sign up for Amazon Flex delivery insurance.
Read more: Amazon Flex App for Drivers and Consumers: Comprehensive Review
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What is covered by Amazon Flex delivery auto insurance?
Amazon Flex insurance coverage is intended to complement the insurance required for Amazon Flex drivers. However, it only provides protection while you are actively delivering packages for Amazon, as highlighted in various Amazon Flex driver reviews. This coverage helps with the Amazon Flex delivery cost by covering gaps in your existing auto insurance policy while you are on the job.
What is covered while on the clock?
While you are actively out delivering, Amazon Flex delivery driver insurance will cover the following:
- Damage from accidents
- Towing due to an accident
- Damaged, stolen, or lost Amazon packages other than incidents of fraudulent or illegal activity.
What does car insurance from Amazon cover while off the clock?
Amazon Flex auto insurance does not provide coverage for you during off-hours or when you are not actively delivering for Amazon, as highlighted in the Amazon car insurance review.
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Does Amazon Flex auto insurance void my personal insurance?
When you are looking for auto insurance for your personal use vehicle as a delivery driver, you need to make sure that you meet the legal auto insurance coverage valid driver requirements for your state.
Before you buy personal or commercial auto insurance, let your agent know that you use your car or truck for commercial deliveries. Your agent can work with you to make sure you have the proper auto insurance coverage and that it will not be voided by adding additional Amazon auto insurance coverage.
Read more: Food Truck Auto Insurance: Rates & Requirements
Ready to find affordable commercial auto insurance rates near you, or look for a new personal auto insurance policy? Enter your ZIP code below to find auto insurance quotes in your area.
Frequently Asked Questions
Do I need insurance for Amazon Flex?
Yes, to drive for Amazon Flex, you must have your own personal auto insurance policy. Additionally, Amazon Flex insurance provides supplemental commercial coverage while you are on delivery, allowing you to file Amazon Flex insurance claims if needed. This coverage is separate from what your personal auto insurance or any Amazon car insurance company might offer.
Do you need delivery insurance for Amazon Flex?
While Amazon Flex provides commercial auto insurance during deliveries, you still need a personal auto insurance policy. The commercial coverage provided by Amazon is designed to cover any gaps when you’re making deliveries using your personal vehicle as an Amazon delivery driver. For accurate Amazon Flex rates, it’s important to ensure that both your personal and Amazon delivery driver insurance needs are addressed.
Do you need car insurance for Amazon Flex?
Yes, having a personal car insurance policy is mandatory when driving for Amazon Flex. While Amazon provides additional coverage during delivery hours through their commercial car insurance for Amazon Flex, your personal insurance, including Amazon vehicle insurance, remains essential. This ensures comprehensive protection beyond the Amazon Prime delivery insurance offered.
Does Amazon Flex ask for proof of insurance?
Yes, Amazon Flex typically requires proof of your personal auto insurance before you start delivering. This requirement is part of the Amazon delivery insurance requirements. Ensure that your Amazon delivery insurance carrier has confirmed that your coverage meets their standards, especially if you are using a van and need Amazon van insurance.
Does Amazon Flex offer health insurance?
No, Amazon Flex does not offer health insurance to its drivers. Flex drivers are independent contractors, so health insurance is not provided.
Does Amazon Flex require car insurance?
Yes, Amazon Flex mandates that you hold a valid personal car insurance policy to meet the vehicle requirements for Amazon Flex before you begin delivering. For more details, you can check the Amazon Flex insurance policy and refer to Amazon Flex insurance reviews.
Does Amazon Flex verify insurance?
Yes, Amazon Flex may verify that you meet their car insurance requirements during the onboarding process to ensure you have adequate coverage for delivering with Amazon Flex.
How much is Amazon Flex insurance?
Amazon Flex insurance is provided at no additional cost to drivers while they are on deliveries. However, you must maintain your own personal auto insurance, the cost of which varies depending on factors like your location, driving history, and the type of coverage.
How do I change my ZIP code on Amazon Flex?
To update the ZIP code for Amazon Flex, log into the app and modify your address or delivery region preferences in the settings. Alternatively, you can reach out to Amazon Flex support for assistance. Ensuring you have the best ZIP code for Amazon Flex according to the Amazon Flex policy may also be helpful.
What does Amazon Flex insurance cover?
Amazon Flex insurance covers liability for third-party injuries and property damage up to $1 million, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage up to $50,000 for your vehicle while you are on an active delivery.
What insurance do I need for Amazon Flex?
Who insures Amazon delivery vehicles?
What are the insurance requirements for Amazon Flex?
What is Amazon’s commercial auto insurance policy?
What are the vehicle requirements for Amazon Flex?
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