Best Shipt Car Insurance in 2025 (Your Guide to the Top 10 Companies)

The top picks for the best Shipt car insurance are Farmers, Liberty Mutual, and Geico. These companies are chosen for their optimal balance of cost, coverage options, and customer support, tailored for Shipt drivers.

Shipt doesn’t offer auto insurance so drivers are responsible for finding coverage themselves. Understanding your car insurance policy will ensure that you have the right coverage should you suffer a Shipt car accident.

Our Top 10 Company Picks: Best Shipt Car Insurance

This guide explores how each insurer caters to the needs of Shipt drivers, helping them stay covered on the road.

If you’re looking for affordable Shipt auto insurance quotes, start shopping around for commercial auto insurance rates. Enter your ZIP code above to get free commercial car insurance quotes from local companies near you.

#1 – Farmers: Top Overall Pick

Pros

• Substantial Multi-Vehicle Discount: Farmers offers a 20% discount for multi-vehicle policies.
• Broad Coverage Options: A wide range of coverage choices tailored to different needs.
• Reputable Ratings: Holds an A.M. Best rating of A, indicating strong financial health. Discover insights in our Farmers car insurance review.

Cons

• Higher Rates Without Discounts: Premiums can be relatively higher without qualifying for discounts.
• Average Customer Satisfaction: Customer feedback indicates average satisfaction in claims handling and service.

#2 – Liberty Mutual: Best for Multi-Policy Discounts

Pros

• Generous Multi-Policy Discounts: Liberty Mutual provides a significant 25% discount for bundling policies.
• Strong Financial Standing: Rated A by A.M. Best, ensuring dependable claims processing.
• Diverse Policy Offerings: Offers a variety of policies that can be bundled for savings. Read up on the Liberty Mutual car insurance review for more information.

Cons

• Variable Pricing: Rates can vary significantly between states and customer profiles.
• Customer Service Concerns: Some users report less than satisfactory customer service experiences.

#3 – Geico: Best for Low Rates

Pros

• Competitive Pricing: Known for offering some of the lowest rates in the industry.
• High Financial Stability: Geico boasts an A++ rating from A.M. Best, the highest possible.
• Efficient Claims Processing: Noted for fast and efficient claims handling. Access comprehensive insights into our Geico car insurance review.

Cons

• Basic Coverage Options: More limited in customization compared to competitors.
• Online-Focused Service: This may not suit those preferring in-person agent interactions.

#4 – Nationwide: Best for Nationwide Reach

Pros

• Extensive National Presence: Offers services across a broad geographical area. Check out insurance savings in our complete Nationwide car insurance discount.
• High Financial Rating: A+ rating from A.M. Best ensures strong backing for claims.
• Flexible Coverage Options: Provides a variety of customizable insurance solutions.

Cons

• Inconsistent Customer Experiences: Customer satisfaction can vary depending on region.
• Pricier Options: Some coverage options may come at a higher price point.

#5 – Allstate: Best for Drivewise Program

Pros

• Innovative Drivewise Program: Rewards safe driving with discounts and incentives.
• Strong Policy Discounts: Offers a 25% discount for multi-vehicle policies. Discover more about offerings in our Allstate car insurance review.
• Comprehensive Coverage Selection: Wide range of coverage options for various needs.

Cons

• Higher Base Premiums: Generally higher premiums compared to some competitors.
• Mixed Reviews on Claims Satisfaction: Some customers express dissatisfaction with claims processes.

#6 – Progressive: Best for Custom Pricing

Pros

• Customized Pricing Model: Progressive’s pricing adjusts to match customer profiles and needs.
• Name Your Price Tool: This unique tool helps find policies that fit customers’ budgets.
• Strong Financial Health: Rated A+ by A.M. Best, indicating reliability. Delve into our evaluation of Progressive car insurance review.

Cons

• Lower Multi-Vehicle Discount: Offers a smaller discount of 12% for multi-vehicle policies.
• Customer Service Variability: Reports of inconsistent customer service experiences.

#7 – Travelers: Best for Smart Driving

Pros

• Incentives for Smart Driving: Discounts for safe driving through telematics.
• High Financial Stability: A++ rating from A.M. Best. See more details on our Travelers car insurance review.
• Customizable Plans: Offers a range of options that can be tailored to specific needs.

Cons

• Limited Discount for Multiple Vehicles: Only an 8% discount on multi-vehicle policies.
• Higher Than Average Premiums: This can be more expensive than other insurers for similar coverage.

#8 – State Farm: Best for Flexible Plans

Pros

• Flexible Coverage Options: Wide array of plans that can be adjusted to suit different needs.
• High Low-Mileage Discount: Significant savings for low-mileage drivers.
• Strong Financial Rating: A++ rating from A.M. Best. Unlock details in our State Farm car insurance review.

Cons

• Limited Multi-Policy Discount: Not as competitive with multi-policy discounts as others.
• Higher Premium Costs: Premiums might be higher for certain coverage levels despite discounts.

#9 – American Family: Best for Personalized Care

Pros

• High Focus on Personal Service: Known for personalized customer care and support.
• Strong Multi-Vehicle Discount: Offers a 20% discount on multi-vehicle policies.
• Solid Financial Stability: Maintains an A rating from A.M. Best. Learn more in our American Family car insurance review.

Cons

• Limited Availability: Not available in all states.
• Potentially Higher Rates: Rates might be higher compared to some large national insurers.

#10 – AAA: Best for Membership Perks

Pros

• Exclusive Membership Benefits: Offers unique perks and discounts for AAA members. Access comprehensive insights into our AAA car insurance review.
• Comprehensive Multi-Vehicle Discount: Provides a 25% discount for multiple vehicles.
• Variety of Insurance Products: Offers a broad range of insurance products beyond auto.

Cons

• Membership Requirement: Requires AAA membership to access insurance services.
• Varied Customer Service: Customer service quality can vary widely between regions.

Comparative Monthly Rates for Shipt Car Insurance

When considering Shipt car insurance, it’s crucial to understand the differences in cost between the minimum and full coverage options offered by various insurers. This breakdown provides a clear comparison to help drivers choose the best policy for their needs.

Car Insurance Monthly Rates for Shipt Car by Coverage Level & Provider

AAA offers minimum coverage at $80 and full coverage at $190, making it a middle-range option for budget-conscious drivers. Allstate and State Farm provide similar pricing structures, with minimum coverages at $90 and $88, and full coverage at $200 and $198, respectively. American Family and Travelers present slightly lower rates, with minimum coverages at $85 and $84 and full coverages at $195 and $194.

Farmers and Liberty Mutual are at the higher end, charging $95 and $100 for minimum coverage and $205 and $210 for full coverage. Geico offers the most economical rates among the listed companies, with minimum coverage at just $75 and full coverage at $185.

Progressive and Nationwide also offer competitive rates, with Progressive’s minimum and full coverages at $78 and $188, and Nationwide’s at $82 and $192. This table illustrates the spectrum of monthly rates drivers can expect, providing a basis for more informed decision-making regarding their insurance needs (For more information, read our “Best Full Coverage Car Insurance”).

What Type of Shipt Car Insurance Do You Need

Shipt verifies that every driver has car insurance but only requires the state’s minimum liability car insurance coverage. However, the minimum coverage is less coverage than is recommended.

How Do You Buy Shipt Car Insurance

Does Shipt offer insurance? Shipt drivers are independent contractors so the company is not responsible for providing insurance. It’s up to each driver to obtain the right amount of Shipt auto insurance to make sure they’re covered should an accident occur.

Read more: Compare Independent Contractor Car Insurance Rates

To ensure that you receive accurate Shipt car insurance quotes, there is certain information that will be required by a provider. Some of the information required includes:

• Your vehicle information
• Your current auto insurance policy
• The average number of miles you expect to drive
• The total cost of commercial items you’ll carry in your vehicle

Providing this information will ensure that you receive the best car insurance quotes.

How Can You Find Cheap Shipt Car Insurance

The Insurance Information Institute states that many factors help determine the cost of car insurance. But those looking to buy Shipt auto insurance coverage will quickly find that commercial car insurance is more expensive than personal car insurance.

Fortunately, there are ways to find affordable Shipt car insurance rates. Drivers can ask about qualifying for certain car insurance discounts like:

• Clean Driving Record
• Strong Credit History
• Bundling Policies

Additionally, some providers offer delivery coverage as an add-on feature. This can make coverage cheaper than buying traditional commercial car insurance.

Shipt Car Insurance: The Bottom Line

Shipt mandates that delivery drivers have at least the minimum required car insurance, but it’s advisable to have more comprehensive coverage, such as commercial car insurance, which often costs more than personal car insurance. However, there are strategies to reduce the cost of Shipt auto insurance, even though Shipt does not contact your insurance company. See more details on our “Minimum Car Insurance Requirements by State.”

Now that you know how to find the best rates for Shipt auto insurance, enter your ZIP code to start comparing commercial car insurance quotes from the top companies in your area.