Rideshare & Delivery Driver Insurance in Minnesota

The William Tuttle Agency writes rideshare and delivery drivers from one office at 121 W Broadway St in Owatonna. The conversation is simple: tell us which apps, how many hours, and whether you carry passengers or packages, and we will write the policy so it actually responds.

Does my personal auto policy cover driving for Uber or DoorDash?

Generally not. Most personal policies exclude the use of a vehicle to carry people or property for a fee, and "delivery" and "livery" exclusions are standard language. If you are in an accident during a delivery and the carrier learns of it, the claim can be denied and the policy cancelled. The fix is a rideshare or delivery endorsement, or a policy from a carrier that writes app drivers — both are available, and both require disclosure.

What does the app company's insurance cover?

It depends on the period. Minnesota's transportation-network-company rules generally require app companies to provide liability coverage from the moment the app is on, with lower limits while waiting for a request and higher limits from acceptance through drop-off. That coverage is liability-first; physical damage to your own car is often subject to a large deductible or conditioned on your personal policy carrying collision. Delivery apps vary more widely, and some provide very little. Read what your app actually provides.

What is a rideshare endorsement?

An addition to your personal policy that extends coverage into the period when the app is on and you are waiting for a request — the gap where the app's coverage is thinnest and a standard policy excludes you. Some endorsements go further and coordinate physical damage across all periods. It is generally inexpensive relative to the exposure and is the honest way to drive for an app.

What about food and package delivery specifically?

Delivery apps are treated as commercial use by most personal carriers, and some app companies provide less coverage than rideshare companies do. A delivery endorsement or a policy written for delivery drivers is the answer; for someone running routes full-time in a dedicated vehicle, a commercial auto policy may be the right form. See commercial auto insurance.

Does Minnesota no-fault apply to rideshare drivers?

Minnesota's no-fault system applies to vehicles registered here, and personal-injury protection coverage for the driver follows the vehicle and the policy. How PIP coordinates between your personal policy and the app's coverage depends on the period and the policies involved. Our guide to Minnesota no-fault insurance explains the basics; we will explain how it applies to your situation.

What should I tell my agent?

Everything: which apps, roughly how many hours a week, whether you carry passengers, whether you deliver, and which vehicle you use. An undisclosed app is the usual reason a rideshare claim is denied, and the disclosure costs far less than the denial.

What if my carrier does not offer a rideshare endorsement?

Many carriers do not write app drivers at all, and a driver with a claim during an undisclosed delivery can find the door closed everywhere. Many agents represent a single company. We lead with Farmers Insurance and hold appointments with 20+ additional carriers, including commercial markets such as BTIS, AmTrust, RLI and Tapco — so an operation that does not fit the first market often has somewhere to go. It may simply not be the first market we call. You still deal with one licensed local person in Owatonna who answers the phone. See the carriers we represent.

How much does rideshare & delivery driver insurance cost in Minnesota?

The price of rideshare & delivery driver insurance depends on what it would cost to rebuild or replace, your claims history, the coverage limits and deductibles you choose, where the property or vehicle is garaged and the carrier — each prices differently. Published averages describe almost nobody; the useful number is a quote for your situation, run across more than one carrier at matching coverage.