What Insurance Do You Need for Amazon Fresh Delivery?

Last Updated on January 6, 2026

To deliver Amazon Fresh orders in your personal vehicle, you typically need personal auto insurance that meets your state’s minimums plus a policy that allows delivery/business use (often added as an endorsement). Amazon may also provide commercial auto coverage while you’re actively working, but it’s not a substitute for having your own insurance—and it usually applies only during specific parts of the delivery process.

Amazon Fresh deliveries are treated as “for-hire” driving because you’re transporting goods in exchange for pay. That’s why it’s important to understand what your insurer allows (and what Amazon covers) before you accept deliveries.

This guide explains what insurance you need for Amazon Fresh delivery, how platform-provided coverage generally works, and when to consider business-use or commercial auto insurance.

Key Takeaways

1. Personal Auto Insurance Is Still Required: Amazon Fresh drivers generally need an active personal auto policy that meets state minimums, even if the platform provides additional coverage while working.
2. Deliveries Can Trigger a Business-Use Exclusion: Many personal policies don’t cover “for-hire” deliveries unless you add an endorsement, which can lead to denied claims.
3. Platform Coverage Usually Has Time Limits: Any Amazon-provided coverage typically applies only during specific delivery periods—not during normal personal driving or potential “in-between” gaps.
4. Match Coverage to How Often You Deliver: Occasional drivers may need a delivery/business-use endorsement, while frequent delivery work may call for commercial auto insurance.

Why Personal Auto Insurance Alone Is Usually Not Enough

Most personal auto policies are priced and underwritten for “personal use” driving—not courier or delivery work. If you’re delivering groceries and you’re in a crash, your insurer may treat that as business use and deny the claim if your policy doesn’t allow deliveries.

This is the same core issue drivers run into with other gig platforms, including Uber Eats, DoorDash, Grubhub, and Instacart: the vehicle is being used for paid delivery, and the personal policy may not respond unless it’s endorsed for that use.

What Is Amazon Fresh Delivery Driving?

Amazon Fresh is Amazon’s grocery delivery service. Depending on your area, deliveries may be handled through different programs (for example, independent delivery partners using their own cars or employee drivers using company vehicles). Your insurance needs depend on how you’re delivering and what vehicle you’re driving.

• Using your own car (typical gig setup): You need your own auto policy, and you should verify the policy allows delivery driving.
• Driving a company vehicle as an employee: Your employer usually carries commercial auto insurance for that vehicle, but you still need personal auto insurance for your own driving.

What Insurance Amazon May Provide to Drivers

Amazon may provide a commercial auto policy for eligible delivery partners in many states while they’re working. Coverage details can vary by program, location, and your delivery status at the time of an accident.

Even when Amazon provides coverage, you still need your own personal auto insurance policy in force. Think of Amazon’s coverage as supplemental to your personal policy—not a replacement.

When Amazon Coverage Typically Applies (And When It Doesn’t)

Delivery coverage depends on what you’re doing at the moment of the accident. A practical way to think about it is in “delivery phases”:

• Off duty / personal driving: Your personal auto policy is the only coverage that should apply.
• Actively delivering: This is the window when platform-provided coverage is most likely to apply.
• Between runs: Depending on your location and the program, there can be gaps—this is why a delivery endorsement or business-use rating can matter.

If you’re in an accident during a covered delivery period, follow Amazon’s reporting steps and document the crash like any other claim. Depending on the facts, you may need to file a claim through the appropriate insurer(s).

What “Full Coverage” Means Here (And Why It Matters)

Drivers often hear they “need full coverage” for delivery driving, but that phrase can be confusing. In everyday terms, “full coverage” usually means your personal policy includes liability plus physical damage coverage—specifically collision and comprehensive.

Why it matters: some platform-provided policies only offer certain protections for your vehicle (if available) when your personal policy already carries comprehensive and collision. To understand how insurers commonly use the term, see this guide to buying full coverage auto insurance.

Do Amazon Fresh Drivers Need Business-Use or Commercial Coverage?

Often, yes. If you’re driving regularly for delivery income, you should plan on one of the following (depending on your insurer and how frequently you deliver):

• Delivery/Business-use endorsement (common for part-time drivers): Some personal auto insurers offer an endorsement that allows deliveries and closes common coverage gaps.
• Commercial auto insurance (common for heavy use or business-owned vehicles): If you’re essentially operating as a courier business, commercial coverage may be required. This can overlap with broader small business auto insurance needs.

Some drivers in certain markets run into stricter rules. For example, New York has unique insurance and regulatory considerations that can complicate delivery driving, which is why many drivers research this topic in the context of New York’s insurance environment. If you deliver in New York, confirm requirements directly with your insurer and verify what the platform states for your specific program and city.

How to Shop for the Right Policy as a Delivery Driver

If your current insurer won’t allow delivery driving, you may need to switch companies or add an endorsement. Some insurers market policies specifically for gig drivers, including options discussed in this guide to the best auto insurance companies for Uber and Lyft drivers (many of the same insurers offer delivery-friendly endorsements).

No matter who you choose, make sure your policy meets local legal requirements. Minimums vary widely, so keep state-by-state auto insurance requirements in mind when comparing quotes.

Final Word on Amazon Fresh Delivery Insurance

If you’re delivering Amazon Fresh orders in your own car, don’t rely on a standard personal policy to “just work” during deliveries. Keep your personal policy active, confirm it allows delivery use (or add the right endorsement), and treat any platform-provided coverage as limited to specific delivery periods.

If you want broader protection, consider business-use or commercial coverage—especially if delivery driving is frequent or a primary source of income. And if your coverage discussions involve UM/UIM, it helps to understand uninsured vs. underinsured motorist coverage before assuming what’s included.

FAQs on Insurance for Amazon Fresh Delivery Drivers