Auto Insurance for Instacart (Cost & Requirements)

Auto insurance for Instacart isn’t available through the company, as Instacart doesn’t insure its delivery drivers. Instacart does not require car insurance specifically, but you’ll need personal and commercial auto insurance for Instacart to drive legally and be protected while out on delivery. You can save on auto insurance rates for Instacart by comparing companies.

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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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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
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UPDATED: Aug 23, 2021

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A Concise Overview

  • Instacart does not insure its delivery drivers, so you’ll need to get your own insurance coverage
  • You’ll need a personal policy to drive legally and commerical auto insurance for Instacart to be protected while out on delivery
  • Instacart delivery drivers (also referred to as full service shoppers) must be at least 18 years old, have access to a vehicle and a smart phone, and be able to lift 50 pounds

A delivery driver side hustle is a great way to make some extra cash. There are a significant number of food delivery services to choose from, including Instacart.

If you want to drive for Instacart, you may have some questions about driver eligibility and auto insurance coverage requirements.

Does Instacart require car insurance? What are average auto insurance rates for Instacart? Do you need commercial auto insurance for Instacart? Where should you file Instacart auto insurance claims if you get in an accident while out on delivery?

Not to worry; we’ve done the work for you, so all you need to do is read this article to find the answers to your auto insurance for Instacart questions.

If you’re ready to start shopping for auto insurance for Instacart, use your ZIP code in the tool on this page to get your first free quote right now.

What kind of auto insurance do you need as an Instacart delivery driver?

Instacart full service shoppers (the term Instacart uses to refer to individuals who both shop and deliver) must meet specific requirements, including:

  • Be at least 18 years old
  • Be able to legally work in the U.S.
  • Have access to and be able to successfully use both a reliable vehicle and an eligible smartphone
  • Be able to lift 50 pounds (this can include with some form of assistance)

Instacart does not have a specific insurance requirement nor does it offer insurance to its delivery drivers. However, for you to legally drive, you’ll need personal coverage of at least the minimum liability auto insurance limits set in your state.

Unfortunately, personal coverage probably won’t protect you while you’re delivering for Instacart because most policies don’t cover professional use of your vehicle. For that, you’ll need commercial coverage.

So how much can you expect to pay for commercial auto insurance for Instacart? Read on for rate information.

How much does auto insurance for Instacart cost?

A commercial policy can cost you more than you might want to pay. On average, you’ll be charged an additional $150 per month when you add a commercial policy to your coverage. So how can you find more affordable auto insurance for Instacart?

Keep reading for more on where you can buy auto insurance for Instacart and tips on how to save.

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Where can you buy Instacart delivery driver auto insurance?

Most major insurance companies sell commercial auto insurance policies (though there isn’t a specific auto insurance for Instacart company). If you don’t want to pay for a full commercial policy, you can ask about a delivery driver add-on. Some companies that offer this coverage include:

  • Crump Property & Casualty
  • GEICO
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

One of the best ways to save is to comparison shop, and we’ve made it easy for you. All you need to do is use the free tool on this page to start comparing auto insurance quotes for Instacart.

So why does all this matter? Delivery drivers face much higher risks on the road than individuals in other occupations. In fact, according to Crosley Law, delivery drivers face some of the highest vehicle accident and fatality rates in the country.

With that in mind, having the right insurance coverage is vital.

Auto Insurance for Instacart: The Bottom Line

Instacart doesn’t insure its drivers, but to drive legally and be protected while out on delivery, you’ll need both personal and commercial auto insurance coverage. Commercial coverage can be costly, but you can save by asking about a delivery driver add-on and by comparison shopping.

Now that you’ve finished this auto insurance for Instacart overview, enter your ZIP code into our free quote tool to get a quote today.

Frequently Asked Questions: Auto Insurance for Instacart

Read through these frequently asked questions if you’re looking for more information about Instacart and car insurance.

#1 – What should you do if you’re in an accident with an uninsured delivery driver?

If you’re concerned about being in an accident with an uninsured delivery driver, the best choice you can make is to be prepared. Buying uninsured/underinsured motorist coverage will keep you financially protected.

If an accident does occur, it’s important to ensure you get all the relevant information from the other driver(s), including names, insurance information, contact information, photos of vehicle damage, etc.

#2 – Do you need extra coverage if you’re also a rideshare driver?

Delivery drivers should (but are not required to) have commercial coverage or a delivery driver add-on. However, rideshare drivers may have additional insurance requirements because they carry passengers.

Depending on which rideshare company(s) you work with and where you live, the insurance requirements may vary, though in general, there is an additional requirement beyond personal coverage because of your paying passengers.

Some insurance companies offer rideshare add-ons, which may meet rideshare insurance requirements.

#3 – What steps do you need to take to be hired as a delivery driver?

You’ll need to make sure you have a reliable vehicle and smartphone and a valid driver’s license, as well as the appropriate insurance coverage. A clean driving record may also be necessary. Some companies also have specific age and lifting requirements you’ll need to meet.

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