Auto Insurance for Instacart

Instacart does not offer auto insurance to its drivers. You will likely need liability insurance at minimum to drive legally in your state, and you may need commercial coverage as well, depending on the details of your auto insurance policy.

UPDATED: Jul 9, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 9, 2022

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A Concise Overview

  • Instacart doesn’t offer commercial car insurance to its delivery drivers when they’re making deliveries
  • Instacart drivers must meet their state’s minimum liability requirements concerning car insurance
  • Delivery drivers should consider purchasing a commercial or business use insurance policy for adequate protection

If you work for Instacart, you must have a valid car insurance policy. While other employers, such as Amazon, offer their employees commercial auto insurance coverage, Instacart doesn’t.

Instacart delivery drivers aren’t required to carry high vehicle coverage levels, so you can drive legally for Instacart with only a liability policy. However, since there isn’t Instacart auto insurance, Instacart delivery drivers must find car insurance coverage to cover them adequately.

Does Instacart offer car insurance?

There is no Instacart insurance for Instacart delivery drivers. However, anyone who wants to become a full-service shopper for Instacart must have access to a vehicle to make deliveries.

The Instacart website doesn’t specify that delivery drivers must have auto insurance. The only Instacart requirements for drivers listed by the company include:

  • Be 18 or older
  • Be eligible to work in the U.S.
  • Have consistent access to a vehicle and a smartphone
  • Be able to lift up to 50 pounds

Since the company doesn’t require its employees to own a vehicle to become a driver for Instacart, requirements for Instacart don’t include auto insurance. However, anyone who owns a car in the U.S. must have liability coverage to drive legally.

The Instacart age requirement means that most drivers will drive their own vehicles and must have a personal auto insurance policy with proper coverage. Since Instacart car requirements are vague, people who want to deliver for the company must ensure they have access to a working vehicle.

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How much liability insurance do Instacart drivers need?

While most people know that anyone who owns and drives a car needs proper insurance, it’s less common for people to know exactly how much insurance they need.

Each state in the U.S. has requirements in terms of liability coverage. So it depends on where you live when determining how much insurance you need on your vehicle.

The table below shows how much liability insurance you must have in each state regarding bodily injury coverage per person, bodily injury coverage per accident, and property damage coverage.

Some states require drivers to have additional coverage, like personal injury protection, medical payments, and uninsured/underinsured motorist coverage.

Minimum Liability Auto Insurance Coverage Requirements by State
StatesInsurance Coverage Required Minimum Liability Limits
AlabamaBodily injury and property damage liability25/50/25
AlaskaBodily injury and property damage liability50/100/25
ArizonaBodily injury and property damage liability15/30/10
ArkansasBodily injury and property damage liability, Personal injury protection (PIP)25/50/25
CaliforniaBodily injury and property damage liability15/30/5
ColoradoBodily injury and property damage liability25/50/15
ConnecticutBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
DelawareBodily injury and property damage liability, Personal injury protection (PIP)25/50/10
Washington, D.C.Bodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/10
FloridaBodily injury and property damage liability, Personal injury protection (PIP)10/20/10
GeorgiaBodily injury and property damage liability25/50/25
HawaiiBodily injury and property damage liability, Personal injury protection (PIP)20/40/10
IdahoBodily injury and property damage liability25/50/15
IllinoisBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
IndianaBodily injury and property damage liability25/50/25
IowaBodily injury and property damage liability20/40/15
KansasBodily injury and property damage liability, Personal injury protection (PIP)25/50/25
KentuckyBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/25
LouisianaBodily injury and property damage liability15/30/25
MaineBodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay)50/100/25
MarylandBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist30/60/15
MassachusettsBodily injury and property damage liability, Personal injury protection (PIP)20/40/5
MichiganBodily injury and property damage liability, Personal injury protection (PIP)20/40/10
MinnesotaBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist30/60/10
MississippiBodily injury and property damage liability25/50/25
MissouriBodily injury and property damage liability, uninsured motorist25/50/25
MontanaBodily injury and property damage liability25/50/20
NebraskaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
NevadaBodily injury and property damage liability25/50/20
New HampshireFinancial responsibility only25/50/25
New JerseyBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist15/30/5
New MexicoBodily injury and property damage liability,25/50/10
New YorkBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/10
North CarolinaBodily injury and property damage liability, uninsured motorist, underinsured motorist30/60/25
North DakotaBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/25
OhioBodily injury and property damage liability25/50/25
OklahomaBodily injury and property damage liability25/50/25
OregonBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/20
PennsylvaniaBodily injury and property damage liability, Personal injury protection (PIP)15/30/5
Rhode IslandBodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
South CarolinaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
South DakotaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
TennesseeBodily injury and property damage liability25/50/15
TexasBodily injury and property damage liability, Personal injury protection (PIP)30/60/25
UtahBodily injury and property damage liability, Personal injury protection (PIP)25/65/15
VermontBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/10
VirginiaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
WashingtonBodily injury and property damage liability25/50/10
West VirginiaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
WisconsinBodily injury and property damage liability, uninsured motorist, medical payments (MedPay)25/50/10
WyomingBodily injury and property damage liability25/50/20
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While all you need to drive legally is liability coverage, people who drive a lot for work or other reasons often purchase additional coverage to ensure protection in an accident.

Should Instacart drivers carry more than liability coverage?

If you’re an Instacart shopper, car insurance is a must, and you should consider purchasing additional auto insurance coverage for your vehicle.

Many people add collision and comprehensive coverage to their car insurance policies. Collision coverage helps to protect your vehicle if you’re in an accident, and it applies even if you’re at fault. Additionally, comprehensive coverage helps with things like theft, vandalism, and damage due to inclement weather.

Often, people who choose not to purchase additional car insurance make this decision because of the cost. While a full coverage car insurance policy, including comprehensive and collision coverage, can be beneficial, it can also be expensive.

The table below shows each state’s average annual car insurance rates based on coverage type.

Average Annual Auto Insurance Rates by State and Coverage Type
StatesAverage Annual Liability Coverage RatesAverage Annual Collision Coverage RatesAverage Annual Comprehensive Coverage RatesAverage Annual Full Coverage Coverage Rates
North Dakota$282.55$252.21$112.74$741.11
South Dakota$289.04$251.30$110.12$1,206.46
Iowa$293.34$251.46$230.65$819.14
Wyoming$323.38$270.48$222.86$816.71
Maine$333.92$331.72$146.77$1,077.97
Idaho$337.17$284.92$117.98$833.44
Vermont$340.98$278.38$118.31$737.67
Kansas$342.33$255.33$130.15$904.39
Nebraska$349.07$293.78$116.79$1,057.63
North Carolina$357.59$227.44$227.64$737.63
Wisconsin$359.84$209.93$126.34$696.11
Indiana$372.44$207.10$171.58$672.01
Alabama$372.57$299.10$146.28$817.95
Ohio$376.16$298.21$201.56$941.34
Arkansas$381.14$304.87$183.36$869.37
Montana$387.77$223.50$206.24$778.81
New Hampshire$393.24$365.23$123.18$1,353.96
Tennessee$397.73$290.39$135.62$823.74
Missouri$399.41$254.90$199.87$842.54
Virginia$413.12$264.70$129.89$807.71
Illinois$430.54$237.19$115.02$724.65
Mississippi$437.38$259.65$166.34$825.40
Minnesota$439.58$302.96$194.74$935.08
Oklahoma$441.57$212.47$89.66$855.57
Hawaii$458.49$209$110.78$656.95
New Mexico$462.21$358.45$156.66$1,300.09
California$462.95$364.56$99.29$926.79
Utah$471.26$254.41$106.57$832.24
Colorado$477.10$263.36$158.34$898.79
Arizona$488.59$259.31$184.20$932.10
Georgia$490.64$297.75$100.09$856.33
Pennsylvania$495.02$377.06$122.17$1,219.29
South Carolina$497.50$200.10$228.59$717.73
Texas$498.44$340.51$186.70$1,025.64
West Virginia$501.44$319.10$195.04$1,015.57
Kentucky$518.91$391.03$208.59$1,326.78
Alaska$547.34$360.18$141.08$1,048.60
Oregon$553.43$307.31$132.01$934.34
Washington$568.92$250.13$104.11$923.16
Massachusetts$587.75$383.21$147.02$1,252.27
Maryland$599.48$358.68$128.92$1,075.35
District of Columbia$628.09$449.27$230.25$1,307.62
Connecticut$633.95$348.70$126.02$1,108.67
Nevada$647.07$281.70$103.03$777.98
Rhode Island$720.06$247.62$165.38$910.51
Michigan$722.04$214.02$173.04$826.64
Louisiana$727.15$249$96.66$679.56
Delaware$776.50$296.60$113.23$1,186.33
New York$784.98$264.58$123$745.17
Florida$845.05$320.45$153.61$964.70
New Jersey$865.55$267.48$166.89$896.58
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As you can see, the difference between a liability policy and a full coverage policy can be several hundred dollars. Unfortunately, this often keeps people from purchasing additional coverage on their vehicles.

Should delivery drivers get commercial auto insurance?

Some delivery drivers purchase commercial auto insurance policies on their vehicles, particularly if the driver is full-time or needs additional coverage because the items they deliver are expensive.

Commercial car insurance is a great safety net for anyone who drives a car for work since it includes coverage to protect drivers from any liability associated with an accident. If you don’t have commercial car insurance, you could be on the hook for damages to property or injuries as a delivery driver.

If you don’t drive for Instacart full-time but wonder whether you need business car insurance as a part-time driver, you may want to review your car insurance policy for guidance.

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Will my personal auto insurance coverage help me when I’m making deliveries?

Most insurance companies will not allow a person’s car insurance policy to cover them if they drive for business purposes. So your car insurance policy may not be beneficial if you’re in an accident.

Many people who only use their cars for business a few hours a week purchase a business-use add-on for their insurance policies.

Some insurance companies offer this add-on for coverage on a personal policy. Still, most companies stipulate how seldom you have to use your vehicle for work purposes to qualify for coverage.

Contact your insurance provider and ask which commercial or business auto insurance options might work best.

Instacart Auto Insurance: The Bottom Line

Anyone who drives for Instacart needs auto insurance, and you only have to meet your state’s liability requirements to drive legally. Still, you should consider purchasing additional coverage to ensure you and your vehicle have protection in any circumstance.

Speak to your auto insurance provider about your options regarding commercial coverage for your vehicle. 

Car insurance rates fluctuate from one company to the next. So your best bet for finding affordable auto insurance is shopping online and comparing quotes from multiple companies.

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