Instacart Car Insurance: What to Know & How to Save (2023)
Your standard personal car insurance policy will not provide coverage for accidents while delivering for Instacart. Car insurance companies will require you to purchase an additional business or commercial car insurance policy to act as your Instacart auto insurance coverage. Commercial policies can be purchased for as little as $273 per month.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: Dec 19, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 19, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Instacart does not offer any auto insurance for drivers
- Your personal car insurance policy will not cover any damages or injuries from an accident while delivering for Instacart.
- You must carry commercial car insurance in addition to your personal car insurance.
- You could get bundling discounts for having both a personal and commercial car insurance policy with the same company.
The COVID-19 pandemic has resulted in many people losing their jobs and many others with high-risk health conditions staying home.
The outcome?
Among other delivery services, the need for Instacart delivery workers has increased in order to meet demand. Instacart does not provide coverage for their delivery drivers; therefore, you will need commercial auto insurance on top of your personal car insurance.
Use our free quote tool above to compare the best rates for Instacart commercial car insurance policies.
What are the best car insurance companies for Instacart delivery drivers?
If you decide to deliver for Instacart, you must be 21 or older and verify you have your state’s minimum car insurance requirements.
Your state may have additional laws related to food delivery car insurance.
Is your personal car insurance policy enough? No. you must buy car insurance known as a commercial car insurance policy.
Below are sample commercial car insurance quotes for food delivery drivers from Progressive. Another great option is Geico commercial auto insurance. You can compare the two companies by visiting our Geico vs. Progressive car insurance guide.
| Type of Car Insurance Coverage | Progressive Sample Monthly Rates | Sample Monthly Rates Increase (From Car Insurance Alone) |
|---|---|---|
| Food Delivery (Business & Personal Auto Insurance) | $296.83 | 180.47% |
| Food Delivery (Business Auto Insurance Only) | $273.08 | 158.03% |
| Personal Insurance (Delivery) | Won't Cover | Won't Cover |
| Personal Insurance (No Delivery) | $105.83 | N/A |
These sample commercial car insurance rates will be on top of your personal policy. Check out our Progressive insurance review and Geico insurance review to inquire about discounts for bundling policies.
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What is Instacart commercial car insurance?
Since Instacart doesn’t provide car, health, personal injury protection, or worker’s compensation, you are pretty much on your own as a contracted 1099 employee.
You are completely on your own if you get in an accident while delivering for Instacart without a commercial insurance policy.
When purchasing your commercial car insurance policy, be sure to have enough coverage for you and your vehicle as well as other drivers and their vehicles. Start by discussing your options for commercial coverage with auto insurance companies.
What if you get into a car accident delivering for Instacart?
If you don’t have proper and sufficient food delivery insurance, you could suffer far more than temporarily being unemployed while your car is in the shop.
Companies that provide personal car insurance for food delivery drivers reserve the right to deny claims to cover injuries and damages if you don’t have a commercial car insurance policy.
Without the proper coverage, you could be sued for all of the costs related to an accident. These costs could climb into the hundreds or thousands of dollars.
In addition, you will need to get car insurance for people with accidents, which will increase your rates. Your car insurance company could also cancel your personal policy. If this happens, your vehicle registration could be revoked and your driver’s license could be suspended.
It’s just not worth the risk. If you decide to deliver for Instacart, purchase both personal car insurance coverage and a commercial policy for car insurance coverage.
To get affordable car insurance whether it’s personal or commercial, enter your zipcode below to get free quotes from companies in your area.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.