Instacart Car Insurance: What to Know & How to Save (2022)

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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

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...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • 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 car 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 insurance for delivery drivers. You can find your state’s information from the National Association of Insurance Commissioners (NAIC).

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.

Sample Progressive Instacart Car Insurance Rates
Type of Car Insurance CoverageProgressive Sample Monthly RatesSample Monthly Rates Increase (From Car Insurance Alone)
Food Delivery (Business & Personal Auto Insurance)$296.83180.47%
Food Delivery (Business Auto Insurance Only)$273.08158.03%
Personal Insurance (Delivery)Won't CoverWon't Cover
Personal Insurance (No Delivery)$105.83N/A
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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 have an accident on your driving record 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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