Delivery Driver Insurance in Washington
Washington has no state-mandated coverage for delivery drivers on record, but the recommended coverages below still apply.
Washington requirements
No state-mandated coverage is on record for delivery drivers in Washington. See the national checklist below for recommended policies.
State regulator: Washington Office of the Insurance Commissioner
Coverage checklist
| Coverage | Requirement | Annual cost |
|---|---|---|
| Commercial AutoCA | Required | $1,740–$5,800/yr |
| General LiabilityGL | Required | $464–$1,392/yr |
| Inland Marine / Tools & EquipmentIM | Recommended | $348–$1,392/yr |
| Business Owner's PolicyBOP | Optional | $580–$1,740/yr |
| Commercial PropertyCP | Optional | $580–$2,320/yr |
Cost breakdown
- ·Vehicle type
- ·Fleet size
- ·Driving radius
- ·DOT authority
Required — commercial drivers need commercial auto. Interstate operators need DOT-compliant coverage.
- ·Revenue
- ·Drop-off locations
Covers third-party injury at pickup/drop-off; many contracts require it.
- ·Cargo value
- ·Goods type
Covers goods in transit — important for high-value deliveries.
- ·Dispatch office
If you lease a dispatch office.
- ·Office/yard ownership
If you own or lease a yard or office.
Best carriers for delivery driver
Delivery Driver insurance in Washington — FAQ
Do delivery drivers need insurance?+
Yes. The main policies delivery drivers need are general liability and commercial auto.
How much does delivery driver insurance cost?+
A typical delivery driver can expect to pay general liability runs $400–$1200 per year and commercial auto $1500–$5000 per vehicle. Total annual premiums for a small operation usually range from $1,500 to $8,000 depending on coverage choices, revenue, and number of employees.
What does general liability cover for a delivery driver?+
General liability covers third-party bodily injury and property damage — for example, if a customer is injured on site or you accidentally damage a client's property. It does not cover your own injuries or professional errors (those need workers' comp and professional liability).
Does my personal auto insurance cover my delivery driver business?+
No — personal auto policies typically exclude business use. If you drive a vehicle for work (transporting equipment, visiting clients, making deliveries), you need a commercial auto policy.
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