As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Amazon Flex is a program that makes it easy for people to deliver packages for Amazon. Anyone can become a delivery partner by signing up on the Amazon Flex app, undergoing a background check, and picking up some shifts. The program offers flexible hours, pays roughly $18 to $25 per hour, and lets drivers deliver with their own vehicles.
Amazon protects Flex drivers with its Commercial Auto Insurance Policy while they make deliveries. Here’s how this coverage works, how much it protects you, and how it stacks up against other auto insurance options.
Quick Facts
Amazon’s Commercial Auto Insurance Policy is only available to drivers who carry their own personal auto insurance policy.
The Commercial Auto Insurance Policy comes at no cost to delivery partners.
Amazon Flex insurance coverage isn’t available to New York drivers.
What is Amazon auto insurance?
Amazon is the second-largest retailer in the world and employs well over a million people.[1][2] The e-commerce giant also works with many independent contractors through its Amazon Flex delivery program. The Amazon Commercial Auto Insurance Policy protects these contractors while they’re on the job.
The Amazon Commercial Auto Insurance Policy only applies to drivers with personal auto insurance. All states require some form of car insurance to drive, so most delivery drivers should receive coverage.
How does Amazon auto insurance work?
Amazon doesn’t offer traditional insurance policies like Nationwide, State Farm, or other major insurance companies. Its commercial auto policies only protect Amazon Flex drivers while they’re on the job. While Amazon sells almost everything, it doesn’t sell personal auto insurance in the U.S.
The Amazon Commercial Auto Insurance Policy is free for Flex drivers who already carry personal auto insurance. On average, Americans pay $253 per month for full-coverage auto insurance and $170 per month for liability-only auto insurance.
Flex drivers in New York will pay more than those in other states since state law prevents them from using Amazon auto insurance. Instead, New York Flex drivers must purchase their own commercial auto insurance on top of a personal auto policy. On average, New Yorkers pay $466 per month for full-coverage auto insurance — the most expensive rate in the country.
Amazon car insurance coverage
The Amazon Commercial Auto Insurance Policy offers robust coverage for Amazon Flex drivers. It includes $1 million in auto liability coverage, well above any state’s minimum requirements for liability coverage. The policy also includes the following coverages:
Uninsured/underinsured motorist coverage: This covers damage or bodily injury caused by a driver without insurance or enough coverage to cover losses. For instance, if you’re on the job and get rear-ended by a driver without insurance, you won’t be on the hook for repairs or medical expenses.
Contingent comprehensive and collision coverage: Amazon offers contingent collision and comprehensive coverage, which covers damage to your own car caused by an accident, theft, or severe weather. Speak with a representative at Amazon Flex to find out if you qualify for this coverage.
Good to Know
Amazon Flex drivers can drive knowing they’re covered by robust liability insurance, additional coverage if they get in a car accident with an uninsured driver, and contingent comprehensive and collision insurance that protects their vehicles.
Amazon car insurance cost by state
Car insurance rates vary from state to state, based on factors like the local insurance market, weather trends, and car repair costs.[3] Rates can even vary from ZIP code to ZIP code based on the risk of vehicle theft in a given area. Luckily, Amazon Flex drivers in every state besides New York pay the same amount for Amazon commercial auto insurance: $0.
Amazon auto insurance rates by driving history
Drivers with infractions like DUIs, at-fault accidents, or speeding tickets typically pay more for car insurance than drivers with clean records. Car insurance companies see drivers without clean records as more likely to file claims in the future, so they charge them more to offset this risk.
Amazon asks drivers to undergo a background check and driving record check during onboarding.[4] Having too many infractions on your record may affect your eligibility when applying for the Amazon Flex program. Still, drivers won’t have to pay for the Amazon Commercial Auto Insurance Policy.
Amazon car insurance cost by age
Standard car insurance rates vary based on your age. Young drivers generally pay the most for car insurance given their increased risk of getting into an accident.[5] As you age, your car insurance rates tend to come down. Luckily, commercial car insurance through Amazon is free to all Amazon Flex partners, regardless of age, though Flex drivers must be at least 21 years old.
Amazon car insurance is always free to drivers, so you won’t have to go through the typical process of receiving a quote. You may want to contact the Amazon support line at 1 (888) 281-6906 to determine if you qualify for contingent collision and comprehensive insurance and to learn more about discounts you can earn on car maintenance and gas.
You’ll also need to make sure you have a personal auto insurance policy before you can qualify for the Amazon Commercial Auto Insurance Policy. Insurance experts recommend comparing quotes from at least three insurance companies before choosing a policy.
Amazon insurance bundling options
Many car insurance companies, like State Farm, Allstate, and USAA, offer bundling options, which enable customers to save when they purchase multiple policies from one company. Home and auto bundles are the most popular, though home and life bundles and even home, life, and auto bundles are available to policyholders.
Amazon Flex drivers only need their car to complete the job, though, so they don’t have to worry about bundling their commercial auto insurance with other forms of insurance. Plus, Amazon’s commercial insurance is already free, so drivers don’t have to worry about finding additional discounts.
Amazon insurance reviews and ratings
Indeed and the App Store are full of drivers reviewing the Amazon Flex experience, though few mention the Amazon Commercial Auto Insurance Policy. The Indeed reviewer below criticizes the coverage options with Amazon Flex, indicating that they didn’t qualify for collision or comprehensive insurance.
On Trustpilot, Amazon ratings are low, at just 1.5 stars out of 5. Many drivers complain about the customer service, like the driver below.
This review doesn’t mention insurance products or roadside assistance specifically, but the flaws of the Flex support team might be of interest to drivers who get into an accident on the job and need to file a claim. Some drivers had a good experience with Amazon Flex, though, like the reviewer below.
Amazon vs. other insurance companies
The car insurance industry is highly saturated, with hundreds of car insurance companies offering policies. While Amazon doesn’t currently offer personal auto insurance policies like these companies, it has started an insurance business in India that may eventually expand to the United States.
Generally, Amazon’s commercial auto insurance covers you while you’re on the road, but you may have gaps in coverage. For instance, the policy might not cover you while logged onto the Flex app but before starting delivery. Some major insurance companies below can fill those gaps with additional commercial coverage or a rideshare endorsement.
Amazon vs. Allstate
Allstate is the fourth-largest insurer in the U.S. by market share, offering auto insurance products in all 50 states.[6] Allstate drivers pay an average of $146 per month for liability-only insurance and $212 monthly for full coverage.
Amazon Flex drivers might want to look into Allstate’s rideshare insurance, which offers coverage for drivers who use their cars for commercial purposes. This offering is particularly useful for drivers in New York, who can’t access Amazon’s commercial auto insurance program.
Amazon vs. Clearcover
Clearcover is a growing car insurance company that currently serves drivers in 20 states. Amazon Flex drivers must ensure Clearcover is available in their state before purchasing a policy. Clearcover drivers pay an average of $152 per month for liability-only insurance and $198 per month for full coverage.
Clearcover offers a rideshare endorsement, but that coverage doesn’t extend to delivery drivers at the moment.[7] If you’re an Amazon Flex delivery driver in New York or elsewhere and need more coverage, Clearcover likely isn’t the best option.
Amazon vs. GEICO
GEICO is the third-largest auto insurer in the U.S. by market share, offering popular auto insurance products in all 50 states.[6] GEICO drivers pay an average of $125 per month for liability-only insurance and $178 per month for full coverage.
GEICO offers commercial auto policies for drivers who use a car for business use but doesn’t offer rideshare insurance. New York drivers, who can’t access Amazon commercial auto insurance, should consider GEICO commercial coverage. GEICO offers affordable policies and has a best-in-class A++ financial strength score from A.M. Best.[8]
If you get into an accident or something is stolen from you on the job, you can contact the Amazon Emergency Helpline on the dashboard of the Amazon Flex app. Amazon advises drivers to contact 911 first if they’re in need of emergency services.
Speaking to the Amazon Emergency Helpline will help you determine if you should file a claim through your Amazon commercial auto insurance or your personal auto insurance. Drivers without collision or comprehensive insurance through Amazon must file a claim through their personal auto policy.
Amazon car insurance FAQs
Delivery car insurance can be confusing. Below, you’ll find answers to some commonly asked questions about Amazon car insurance.
Is Amazon car insurance legitimate?
Yes. Amazon car insurance is legitimate. Amazon is one of the largest retailers in the world, so drivers won’t have to worry about the tech giant lacking financial strength. Amazon’s commercial auto insurance program hasn’t been linked to any fraudulent practices or received official customer complaints.
Is Amazon car insurance worth it?
The Amazon Commercial Auto Insurance Policy is free for Amazon Flex drivers, so it’s almost always worth it. As long as you already have a personal auto insurance policy, you’ll be protected on the road when you deliver for Amazon. Robust liability insurance and underinsured motorist coverage make this policy particularly strong.
What is the average cost of Amazon car insurance?
Amazon’s auto insurance is totally free for Amazon Flex drivers who already carry a personal car insurance policy.
Who owns Amazon insurance?
Jeff Bezos owns Amazon. He founded it in 1994 and served as its CEO until 2020. Andy Jassey is the current CEO of Amazon.
Who should get Amazon insurance?
All drivers with Amazon Flex should make sure they’re set up with the Amazon Commercial Auto Insurance policy. Drivers in New York, who can’t access Amazon’s commercial auto insurance program, should ask their current insurer if it offers commercial auto insurance policies.
National Association of Insurance Commissioners. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2022 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM States, U.S. Territories, Canada and Aggregate Other Alien Total Private Passenger Auto."
Clearcover. "Rideshare Insurance: How It Works & What Is Covered."
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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