What To Know About Amazon Flex Auto Insurance: Requirements And Costs

Want to know about Amazon Flex insurance, how it works, when you need it, and additional things to consider?

If so, let’s get started NOW 

Quick Points 

  • Amazon Flex Drivers get commercial auto insurance from Amazon for free.
  • For delivering packages in your state, you need to have additional suitable insurance.
  • In New York, Amazon Flex drivers may not receive the same insurance coverage, as state law requires additional commercial insurance.

How Does Amazon Flex Insurance Work?

Amazon Flex Insurance works in a way that If drivers get their car or vehicle damaged, the Amazon Flex commercial insurance coverage will cover up to $50,000 of the damage.

For someone with an uninsured or underinsured motorist, they’ll get $1,000,000 for injury and damage coverage, If they get bumped. For insured drivers, this policy confers the same amount for liability coverage. 

Auto insurance is available for every flex driver without a cost, except someone living in New York. As there’s a state law that requires extra commercial insurance.

Further, this policy doesn’t let you use any tactics If you are an Amazon Flex driver and have another driver for delivering packages, it won’t cover anything.

Its coverage is only available for Amazon Flex drivers, there’s nothing for passengers. 

And it’s also told on the official website that flex drivers must deliver packages actively to get coverage access.

Common Causes of Accidents of Amazon Flex Delivery Drivers

Among all delivery gigs, Amazon Flex pays above average for completion of 3 to 6 hours blocks. 

If you deliver sooner than the shift, you’ll get the same amount as mentioned on the Flex app before starting delivery. 

But, If you take 6 hours to complete a 3-hour block, you’ll receive the same earnings. 

As a result, many drivers want to hurry the delivery work to complete shifts as fast as required, which leads them to cause accidents.

Here’s a list of potential causes that can happen to you while driving:

  • Time Pressure: Tight delivery schedules and pressure to meet delivery quotas.
  • Fatigue: Long hours on the road can lead to driver fatigue.
  • Distraction: Using smartphones, GPS devices, or in-vehicle technology while driving.
  • Weather Conditions: Adverse weather, such as rain, snow, or fog, can reduce visibility and road traction.
  • Heavy Traffic: Driving during peak traffic hours can increase the likelihood of collisions.
  • Vehicle Maintenance: Poorly maintained delivery vehicles are more prone to mechanical failures.
  • Package Handling: Hasty loading and unloading of packages.
  • Reckless Driving: Such as speeding or tailgating, increases the risk of accidents.
  • Lack of Rest Breaks: Insufficient breaks for rest and meals.
  • Road Conditions: Poorly maintained roads, potholes, and construction zones.

If you get accident due to the reasons given above, what will happen next

What Damages Can  Amazon Flex Drivers Get While Driving?

There are many kinds of injuries or damages that can happen after an accident. 

As a flex driver, you need to be aware of them. 

Due to having many potential injuries, your auto insurance should cover them, In case not, you may need a vehicle accident attorney in California.

Well, here are some usual damages:

Whiplash: Whiplash is a neck injury caused by a sudden, forceful back-and-forth movement of the head. 

Broken Bones: Accidents can lead to fractures in various bones, such as arms, legs, ribs, and collarbones. 

Head Injuries: Head injuries can range from minor concussions to severe traumatic brain injuries (TBIs). 

Spinal Cord Injuries: A serious accident can damage the spinal cord, potentially causing paralysis or long-term disability.

Internal Injuries: The force of an accident can result in internal injuries like organ damage, internal bleeding, or chest injuries.

Soft Tissue Injuries: These include injuries to muscles, tendons, and ligaments, often resulting in sprains, strains, or tears. 

Burns: In cases where a vehicle catches fire or there’s contact with hot surfaces, drivers can suffer burns of varying degrees.

Cuts and Abrasions: Broken glass, sharp objects, or even the deployment of airbags can cause cuts and abrasions to the skin.

Psychological Trauma: In addition to physical injuries, accidents can lead to psychological trauma, including post-traumatic stress disorder (PTSD) or emotional distress.

Fatalities: Unfortunately, some accidents result in the tragic loss of life.

How To Compare The Costs Of Amazon Flex Auto Insurance 

Once you start working on Amazon Flex as a driver, its insurance policy will provide you with commercial auto insurance coverage without any charge.  

If you want to take a sneak peek at usual auto insurance coverage prices, below are the factors that can significantly affect their value: 

  • If you have a good credit score, you won’t quit any payments. but with a bad credit score, you may have to file a claim which will result in paying a higher price.
  • Your driving record is a target for many insurance firms to determine the price of insurance. Having traffic violations, such as speeding tickets, and running red lights can increase the price.
  • Young Drivers (Early 21s) are likely to pay more than all age groups due to a lack of driving history and Inexperience in driving. Middle-aged drivers (25-64) pay lower as more experienced and responsible.
  • If you are a man, you may need to pay more than women because men are more prone to accidents than women.
  • Vehicle type is another factor that can influence the insurance price, such as safety features, size and weight, engine size and power, repair costs, vehicle age, and usage.
  • The number of miles you drive each year can impact your insurance rates. If you have a long commute or frequently take long trips, you may pay more for coverage.
  • Married individuals often receive lower rates compared to single drivers, as they are statistically considered less risky.

Do you want to compare the insurance prices by companies?

Average Auto Insurance Costs for Different Coverage Types

average auto insurance coverage costs for Amazon Flex insurance
average auto insurance coverage costs Source: Autoinsurance.org

From the diagram above, you can ensure how coverage costs vary based on different companies and the average minimum and maximum coverage costs.

What Are the Requirements for Amazon Flex Auto Insurance 

Amazon Flex has many requirements whether you want to apply, go through a background check, or have insurance. 

Liability coverage is the main requirement for flex auto insurance, which varies depending on the state you live in.

Therefore, I have given a breakdown through the picture given below that shows requirements based on different states:

What are the Minimum Auto Insurance Requirements by State

The given table can be lengthy for you, so you can skip it to the shot.

auto insurance requirements by state
auto insurance requirements by state for additional Amazon Flex insurance
Source: nerdwallet.com

Exception on Insurance requirement 

Among the listed states, New Hampshire stands out with different auto insurance requirements. 

Instead of traditional coverage, it requires “Financial responsibility only,” meaning drivers must demonstrate their ability to cover potential liabilities, but they are not obligated to purchase specific liability insurance coverage like most other states. 

Do Amazon Flex Drivers Need Extra Coverage?

As flex drivers are given commercial coverage by Amazon Flex, they don’t need extra coverage.

But, If you live in New York, you won’t get such a perk.

Further, for proper protection from accidents, having additional liability coverage is essential. 

Additionally, Comprehensive and collision coverage are crucial for protection against damage or loss to your vehicle, as after getting cracked on a car, it can ruin your hard-earned money to fix it.


Is delivery insurance necessary for those working as flex drivers?

Yes, Delivery insurance is necessary for Amazon Flex drivers, but they won’t have to pay for commercial auto insurance, it’s given by Amazon Flex.

Will Amazon Flex require proof of auto insurance?

Yes, Amazon Flex drivers must prove to have personal auto insurance with liability coverage as defined by the state.

Should Amazon Flex drivers consider rideshare insurance?

No, Amazon Flex drivers don’t need rideshare insurance. But, If someone is from New York, they should consider rideshare insurance.

Does Amazon provide coverage for Flex Driver delivery insurance?

Yes, Amazon Flex provides coverage for flex driver delivery insurance.

What to do if involved in an accident as an Amazon Flex driver?

If drivers have an accident, they must file a claim to Amazon within 90 days

Which insurance provider does Amazon Flex typically use?

Amazon Flex uses Acko General Insurance to provide insurance coverage.

Is Amazon responsible for covering car accidents involving Flex drivers?

Yes, Amazon covers car accidents. But, it’s only for Amazon Flex drivers in delivery works. 

Can you use Amazon Flex insurance while working for Uber?

No, you can’t use Amazon Flex insurance while working for Uber, until you have personal taxi insurance.

How can I contact Amazon Flex driver support?

You can contact Amazon Flex driver support through phone number: 888 281 6906 or email address: amazonflex-support@amazon.com.

What are the minimum auto insurance requirements for Amazon Flex drivers?

liability insurance coverage is the minimum auto insurance requirement for Amazon Flex drivers.

Final Thoughts 

Overall, Having insurance is required for any driver whether it’s already given or not.

But, If you are an Amazon Flex driver, you’ll get auto insurance from Amazon at zero cost. And it’ll work as long as you drive, but without driving it’ll stop providing coverage.

Moreover, extra coverage is more than necessary for protection from accidents or unexpected car crashes.

Eventually, tell me about whether you have additional coverage or only auto insurance coverage.

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