Instacart Car Insurance: What to Know & How to Save (2025)

Yes, if you drive for Instacart as a delivery driver, your personal car insurance may not provide coverage during work-related activities. It’s important to inform your insurance company about your work as an Instacart driver and inquire if you need additional coverage, such as commercial auto insurance or a rideshare endorsement.

Instacart provides limited liability coverage to its drivers while they are actively engaged in a delivery. This coverage is designed to supplement the driver’s personal insurance but may only apply in certain situations. It’s crucial to review the specific terms and conditions of Instacart’s insurance policy to understand the coverage provided.

To ensure you have adequate insurance coverage while driving for Instacart, it’s recommended to:

• Inform your personal auto insurance company about your work as an Instacart driver.
• Inquire if you need additional coverage, such as commercial auto insurance or a rideshare endorsement.
• Consider purchasing a separate commercial auto insurance policy if required or if your personal insurance doesn’t provide sufficient coverage.

There are a few ways you can potentially save money on car insurance as an Instacart driver, such as:

• Comparing quotes from multiple insurance companies to find the best rates.
• Taking advantage of any discounts available, such as safe driving discounts or bundled policies.
• Opting for higher deductibles, which can lower your premium.
• Maintaining a good driving record and avoiding accidents or traffic violations.

Some insurance companies may offer specific discounts or programs for gig economy drivers like Instacart drivers. It’s worth checking with different insurers to see if they have any specialized offerings or discounts tailored to delivery drivers.

If you get into an accident while driving for Instacart, you should:

• Ensure everyone involved is safe and seek medical attention if needed.
• Contact the authorities and report the accident.
• Document the incident by taking photos and gathering witness information.
• Report the accident to Instacart and your insurance company.
• Cooperate with the claims process and provide all necessary information to your insurance company.

Using a personal insurance policy for your Instacart deliveries may not provide adequate coverage, as personal policies often exclude commercial or delivery activities. Relying solely on personal insurance could result in denied claims and gaps in coverage. It’s essential to consult with your insurance company to ensure you have appropriate coverage while driving for Instacart.

To find more information about car insurance for Instacart drivers, you can visit the Instacart website for details on their insurance coverage. Additionally, contacting your insurance company or consulting with an insurance agent who specializes in commercial auto insurance or rideshare coverage can provide you with personalized guidance based on your specific situation.