Get Affordable Instacart Auto Insurance Quotes (2026)
Commercial Instacart auto insurance is needed because personal auto insurance does not cover an accident while the driver is delivering food. This form of coverage can cost as much as $1,700 per year, if not more.
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Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Michael Leotta
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Updated November 2024
| Instacart Auto Insurance Facts | Sources |
|---|---|
| Instacart drivers are responsible for getting their own auto coverage | www.forbes.com |
| Instacart requires their drivers to have coverage that is consistent with legal requirements | www.forbes.com |
| Instacart drivers are required to pay for their own insurance | www.forbes.com |
| If you live in a no-fault state, you're responsible for getting no-fault auto insurance | www.forbes.com |
| Instacart's contract states that not all auto insurers cover vehicles used for food delivery services | www.forbes.com |
In 2020, there may be no service more popular than food delivery. This is born of both necessity and convenience. If you choose to drive with Instacart, be it for your main source of income or supplemental income, you’re going to need auto insurance. Learn more about Instacart auto insurance by reading this guide.
What kind of car insurance do I need for Instacart? We understand that finding the right insurer can be a bit of a hassle, especially in these uncertain times. This is why we’ll go through everything you need to know about Instacart insurance step by step so you can find the right insurer to suit your needs. Understanding auto insurance is paramount, especially if you’ll be driving for work.
In the meantime, type your ZIP code into our helpful and free tool above to find Instacart car insurance in your area.
Do you need Instacart auto insurance?
Do you need car insurance for Instacart? Absolutely, you need food delivery driver insurance. Does Instacart offer auto insurance for its drivers? According to Forbes.com, Instacart’s independent contractor agreement specifically states that drivers are responsible for getting their own auto insurance.
To find out if you’re going to be able to afford this, you’ll first need to know how much you’ll be paid. So, how much do delivery drivers make, particularly in vehicle delivery jobs? On average, Instacart delivery drivers make $14 per hour.
However, that’s the average pay can range from five dollars to $25 per hour. With that being said, the vast majority of shopper/ food delivery drivers can only drive up to 29 hours a week. This is because Instacart seldom employs full-time workers, due to the fact that they would be entitled to benefits.
You may be asking, “Do I need special insurance to be a delivery driver?” What you’ll need to be an Instacart driver is commercial auto insurance.
What does commercial insurance mean? Here’s a video from Travelers Insurance that should give you a pretty good idea.
Read more: Affordable Preferred Auto Insurance
Commercial auto insurance covers the cost of accidents involving a business-owned vehicle. In this case, as an independent contractor, you are the business and you own the vehicle.
Let’s take a look at a table comparing auto insurance rates for commercial insurance and other forms of coverage.
Average Annual Auto Insurance Rates by Coverage Type| Coverage Types | Average Annual Rates |
|---|---|
| Comprehensive | $148 |
| Collision | $323 |
| Liability | $538 |
| Commercial | $900-$1,700 |
As you can see, commercial insurance when you’re in and out of grocery stores and fulfilling the delivery process can cost considerably more than other forms of coverage. You may have to work quite a bit to offset the cost. Don’t worry, there are ways to learn how to find inexpensive commercial auto insurance.
On the bright side, people ordering food these days tend to tip quite a bit more. Let’s take a closer look at auto insurance coverage for Instacart drivers by analyzing Instacart driver requirements.
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What Instacart insurance requirements are needed to get started?
It’s worth noting that, just like for Instacart’s car insurance requirements, the grocery delivery service company does not offer its drivers Instacart health insurance. You’ll have to get your health coverage through other means.
Just keep in mind that there is no Instacart auto insurance claims department, should you get into an accident. You will need to go through whatever insurer you choose.
Now that you know more about Instacart auto insurance, feel free to type your ZIP code into our helpful and free tool below to find reasonable rates for Instacart insurance.
Hopefully, we’ve covered everything you needed to know, but feel free to take a look at some common questions below.
Frequently Asked Questions
Can I change my auto insurance provider while driving for Instacart?
Yes, you can switch providers, but avoid coverage gaps. Coordinate with the new insurer for a smooth transition.
Are there additional insurance requirements by Instacart?
Instacart requires coverage that meets local legal requirements. Review regulations and ensure compliance.
Can I use rideshare insurance for Instacart?
Some rideshare policies may provide limited coverage, but check with your provider as not all extend coverage to delivery services.
What should I do if I have an accident while delivering for Instacart?
Report the incident to your insurance provider and follow their claims process. Have the necessary information and documentation ready.
Can I get Instacart auto insurance with a poor driving record?
It may be more challenging, but some insurers specialize in high-risk drivers. Compare quotes to find suitable coverage.
Can I use personal auto insurance for Instacart delivery?
It’s generally not recommended, as personal policies often exclude commercial activities. Get proper commercial auto insurance.
Do I need special car insurance for Doordash?
Just as with Instacart, you’ll need commercial coverage for Doordash auto insurance. The same goes for Shipt there is no Shipt auto insurance coverage provided by the company.
Who pays more, Shipt or Instacart?
All in all, both pay about the same.
Can you bring someone with you while you Instacart?
You can, but it is not preferred.
Does Instacart check insurance?
Judging by comments from past and current drivers, they do not.
Does Progressive cover Instacart auto insurance?
How does Instacart work for drivers?
How do I drive for Instacart?
What is Instacart’s Shopper Injury Protection?
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