Caviar Courier Auto Insurance: Rates & Requirements (2026)
Searching for Caviar Courier auto insurance? Caviar Courier does not provide its own auto insurance. The company does require that its drivers adhere to the commercial auto insurance coverage limits in their state. Caviar also has age and work experience requirements for its drivers. If you are a delivery driver and opt to drive without proper coverage, or claim proper coverage without carrying it, you may face severe penalties from your state. You may also be charged with insurance fraud by the FBI. Learn more.
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Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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Dani Best
Updated January 2025
- Caviar Courier doesn’t offer auto insurance to its drivers.
- To drive for Caviar you must carry the state-minimum level of commercial liability auto insurance.
- Caviar was purchased by DoorDash in 2019.
Are you a food delivery driver and wondering if there is specific Caviar Courier auto insurance? The answer is no.
Caviar is similar to other food delivery services. It offers restaurant delivery to consumers who are looking for the convenience of food delivery from restaurants that do not have stand-alone delivery.
Unlike some delivery services, Caviar doesn’t offer its own insurance coverage for its drivers. In order to drive for Caviar, you must carry your own commercial auto insurance that meets state minimum requirements.
However, the company also has other requirements for their drivers which we will dive into below.
If you are a delivery driver, make sure you’re protected. Enter your ZIP code above to find affordable food delivery auto insurance quotes in your area.
Does Caviar Courier offer auto insurance?
The company doesn’t offer auto insurance for its driver but it does require that you follow the law for delivery driver auto insurance in your state.
This means you must carry auto insurance that meets your state minimum requirements. Before you buy food delivery auto insurance, make sure you know what the minimum auto insurance coverage requirements are for your state.
Be careful if you decide to tempt fate and drive without commercial insurance. The FBI considers this insurance fraud and will penalize you if you are caught.
Minimum Liability Auto Insurance Requirements by State
| States | Insurance Required | Minimum Liability Requirements |
|---|---|---|
| Alabama | BI & PD Liab | 25/50/25 |
| Alaska | BI & PD Liab | 50/100/25 |
| Arizona | BI & PD Liab | 15/30/10 |
| Arkansas | BI & PD Liab, PIP | 25/50/25 |
| California | BI & PD Liab | 15/30/5 |
| Colorado | BI & PD Liab | 25/50/15 |
| Connecticut | BI & PD Liab, UM, UIM | 25/50/20 |
| Delaware | BI & PD Liab, PIP | 25/50/10 |
| Florida | PD Liab, PIP | 10/20/10 |
| Georgia | BI & PD Liab | 25/50/25 |
| Hawaii | BI & PD Liab, PIP | 20/40/10 |
| Idahoe | BI & PD Liab | 25/50/15 |
| Illinois | BI & PD Liab, UM, UIM | 25/50/20 |
| Indiana | BI & PD Liab | 25/50/25 |
| Iowa | BI & PD Liab | 20/40/15 |
| Kansas | BI & PD Liab, PIP | 25/50/25 |
| Kentucky | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| Louisiana | BI & PD Liab | 15/30/25 |
| Maine | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| Maryland | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| Massassachusetts | BI & PD Liab, PIP | 20/40/5 |
| Michigan | BI & PD Liab, PIP | 20/40/10 |
| Minnesota | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| Mississippi | BI & PD Liab | 25/50/25 |
| Missouri | BI & PD Liab, UM | 25/50/25 |
| Montana | BI & PD Liab | 25/50/20 |
| Nebraska | BI & PD Liab, UM, UIM | 25/50/25 |
| Nevada | BI & PD Liab | 25/50/20 |
| New Hampshire | FR only | 25/50/25 |
| New Jersey | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| New Mexico | BI & PD Liab | 25/50/10 |
| New York | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| North Carolina | BI & PD Liab, UM, UIM | 30/60/25 |
| North Dakota | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| Ohio | BI & PD Liab | 25/50/25 |
| Oklahoma | BI & PD Liab | 25/50/25 |
| Oregon | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| Pennsylvania | BI & PD Liab, PIP | 15/30/5 |
| Rhode Island | BI & PD Liab | 25/50/25 |
| South Carolina | BI & PD Liab, UM, UIM | 25/50/25 |
| South Dakota | BI & PD Liab, UM, UIM | 25/50/25 |
| Tennessee | BI & PD Liab | 25/50/15 |
| Texas | BI & PD Liab, PIP | 30/60/25 |
| Utah | BI & PD Liab, PIP | 25/65/15 |
| Vermont | BI & PD Liab, UM, UIM | 25/50/10 |
| Virginia | BI & PD Liab, UM, UIM | 25/50/20 |
| Washington | BI & PD Liab | 25/50/10 |
| Wasington D.C. | BI & PD Liab, UM | 25/50/10 |
| West Virginia | BI & PD Liab, UM, UIM | 25/50/25 |
| Wisconsin | BI & PD Liab, UM, Medpay | 25/50/10 |
| Wyoming | BI & PD Liab | 25/50/20 |
Read more: How can I get DoorDash insurance?
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What do I need to know about insurance driving for Caviar?
Caviar Courier is a restaurant delivery service that was originally available in:
- Boston, MA
- Brooklyn, Manhattan, and Queens, NY
- Chicago, IL
- Dallas and Fort Worth, TX
- Los Angeles and San Francisco, CA
- Manheim and Philadelphia, PA
- Portland and Seattle, OR
- Washington, D.C.
- Caviar Courier Auto Insurance
Along with proper auto insurance coverage, Caviar also requires:
- A reliable vehicle and customer-service mentality.
- Drivers must be 18 years of age or older.
- Carry a smartphone with access to the Caviar mobile driver app.
- 2 years of driving experience for a similar service.
Near the end of 2019, Caviar was acquired by the larger delivery service, DoorDash.
Tips for Finding the Best Caviar Delivery Auto Insurance
If you are looking to buy food delivery auto insurance, keep these tips in mind:
- In order to get the best rates, you need to have a clean driving record.
- Ask your auto insurance agent about any discounts you may be eligible for.
- Improving your credit score can help lower rates.
- Shop around and compare rates from multiple insurance companies.
You can find cheap commercial food delivery auto insurance rates near you. Just enter your ZIP code below and you’ll get auto insurance rates from multiple providers in your area.
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