Amazon Car Insurance Review (2023)

You may have heard that e-commerce giant Amazon is getting into the car insurance market. In fact, Amazon is already disrupting the insurance industry by offering low premiums and fast policies. But it’s not currently available in the U.S. We’ve put together all the important details, plus additional information for Amazon Flex (or Fresh) drivers and Amazon delivery drivers.

Amazon Car Insurance 101

Recently, Amazon announced that it would offer car insurance in partnership with Acko General Insurance Company. The tech giant promises an all-online process, where policyholders can shop for and purchase a car insurance policy. Customers can manage paperwork-free claims online and in three days. They can even get an instant cash settlement for low-value claims.

Policyholders who are also Amazon Prime members get additional perks and discounts, including:

• Roadside assistance: This provides emergency assistance to policyholders in the event of a mechanical failure or the need for towing services.

• Outstation emergency coverage: If your vehicle needs to be repaired and the repairs take longer than 12 hours, Amazon will pay out ₹1,000 (rupees) to help cover additional costs.

• Consumables coverage: This covers the literal nuts and bolts of your vehicle — plus oils, lubricants, and other fluids.

Prime policyholders can also add on Key Protect coverage, which will replace their keys if they’re damaged, stolen, or lost. It will also pay to repair or replace the lockset on your vehicle.

See More: Best Car Insurance Companies

Amazon car insurance in the United States

You may have noticed that the company is paying out in rupees — India’s currency. That’s because, as of this writing, Amazon writes car insurance policies for drivers in India only. The company has indicated plans to offer car insurance in other countries but hasn’t announced plans to enter the U.S. market at this time.

But don’t count it out. It’s absolutely possible that the company will offer car insurance in the U.S. sometime soon. And the company will likely offer special benefits to Prime members in the U.S. just as it does in India.

See More: Car Insurance Quotes

Alternatives to Amazon car insurance

If you want to buy and manage your car insurance completely online, you’ll have to choose a company other than Amazon. But have no fear; there are plenty of options, no matter where you live. Here’s our list of the best high-tech alternatives to Amazon auto insurance:

• Clearcover

• Esurance

• GEICO

• Allstate

How can I get an Amazon car insurance quote?

Once you submit your information, you will receive a quote instantly. If the quote works for you, you can use Amazon Pay — Amazon’s payment processing service — to purchase your policy. You can also use any saved payment method on your account.

Once you submit your information, you will receive a quote instantly. If the quote works for you, you can use Amazon Pay — Amazon’s payment processing service — to purchase your policy. You can also use any saved payment method on your account.

See More: Cheap Car Insurance

Requirements for Amazon Flex

Anytime you drive a car, you need to be properly insured. Driving for Amazon Flex is no different. When driving for commercial purposes, you need to carry commercial auto insurance. These policies can easily be more expensive than standard insurance.

The good news is that Amazon provides Flex drivers with free commercial car insurance coverage. Amazon Flex insurance covers:

• $50,000 for vehicle damage to your car (a.k.a. collision coverage)

• $1 million for liability coverage (bodily injury for the driver only plus anyone in another vehicle)

• $1 million for uninsured and underinsured motorist protection coverage

• Minus a $1,000 deductible

But it’s important to know that these policies only cover you when you’re driving for Amazon Flex. When you drive your car for personal purposes, you need to have a personal auto insurance policy. You also need to carry comprehensive and collision coverage to qualify for free vehicle damage coverage through Amazon.

How do I get cheap car insurance as an Amazon Flex delivery driver?

Though Amazon offers free commercial insurance to all of its drivers outside New York (state law requires New York Flex drivers to carry their own commercial policies), you’ll still need your own insurance. Luckily, you’ll have plenty of options for cheap personal car insurance.

The best way to get cheap insurance is to compare car insurance quotes before you buy. Be sure to include comprehensive and collision coverage when you get quotes. Policies with these additional coverage options are often called full-coverage policies.

See More: Best and Worst Sites to Compare Car Insurance

Do Amazon delivery drivers need car insurance?

If you’re an Amazon delivery driver who drives a fleet vehicle (i.e., a vehicle owned by Amazon), you don’t need to carry your own insurance. However, you need to meet your state’s minimum auto insurance coverage requirements for your personal car. And if your car is financed, you’ll need insurance that meets your lender’s requirements as well.

The easiest way to get cheap car insurance

Whatever your needs are for car insurance, comparing auto insurance rates before you buy is still the best way to ensure you’re getting the best deal. Different car insurance companies assess risk, and thus their rates, differently. The best and cheapest company for one driver is not the best and cheapest for everyone. And what’s best now may not be the best deal later.

Luckily, car insurance comparison can be quick and painless. When you compare with an online tool, you can easily see which companies offer the best deals.

Frequently Asked Questions