Instacart Auto Insurance: Requirements & Rates for 2026
Instacart auto insurance is not provided by the company and a personal auto insurance policy won't cover you in the case of an accident while delivering groceries. You need to buy commercial Instacart auto insurance to ensure coverage in the case of an accident. The average rate for a commercial Instacart auto insurance policy is $273.
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Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Jeffrey Johnson
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Jeffrey Johnson
Updated August 2024
- Instacart doesn’t provide its drivers with auto insurance
- Personal insurance policies won’t pay an accident claim if you are delivering for Instacart
- When driving for Instacart, you need a commercial or business policy
In today’s world, getting your groceries delivered is pretty standard. If you drive for Instacart, you may be wondering, “Does Instacart require auto insurance, and do they provide it?”
You are required to carry auto insurance when you drive for Instacart. However, Instacart does not provide its drivers with auto insurance. There are policies to ensure you are covered in the case of an accident.
With a commercial auto insurance policy, you won’t have to try and figure out when to hire an auto insurance lawyer if you have an accident claim. You will simply need to contact your insurance company and work through the claims process.
Many companies offer commercial policies to cover your Instacart auto insurance needs. New Link Destination
get some quick quotes from a variety of insurers, enter your ZIP code now.
What companies offer the most affordable Instacart auto insurance?
Most of the top-rated insurance companies will offer commercial or business policies to cover you while you deliver groceries for Instacart. However, some are going to cost you a lot more than others.
Geico and Progressive are both well known for supplying cheap Instacart auto insurance policies. Taking a look at the different discounts available with a variety of companies can also help offset some of the cost of a commercial policy.
Here is a sample of commercial car insurance quotes from Progressive for Instacart delivery drivers.
Progressive Instacart Average Monthly Car Insurance Rates| Type of Auto Insurance Coverage | Sample Monthly Rates from Progressive | Sample of Monthly Rate Increase (Compared to a Personal Policy Alone) |
|---|---|---|
| Personal Auto Insurance (No Delivery) | $105.83 | N/A |
| Personal Auto Insurance (Delivery) | No Coverage Available | No Coverage Available |
| Business + Personal Auto Insurance (Food Delivery) | $296.83 | 180.47% |
| Business Only Auto Insurance (Food Delivery) | $273.08 | 158.03% |
This gives you a look at what you may be paying on top of your rates for your personal auto insurance policy. Reading a Geico insurance review and reviews on other companies can give you a detailed look at different ways they may be able to save you money.
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How does an Instacart commercial auto insurance policy work?
A commercial insurance policy works the same as a standard insurance policy. However, it is going to keep you covered while you are driving for Instacart. With commercial auto insurance, Instacart driving becomes safer.
It is important to note that insurance requirements for delivery drivers may vary depending on where you live. You can find great information on your state’s regulations from the NAIC (National Association of Insurance Commissioners).
Another thing to keep in mind is that carrying a commercial policy will guarantee an Instacart auto insurance claim will be covered. If you try to make a claim on a personal policy while using your vehicle for business, it will not be covered.
If you need to buy Instacart auto insurance, shopping around for discounts can save you a lot of money in the long run. By looking at various Instacart auto insurance rates, you will gain a clear picture of what it will cost to work as a delivery driver.
You can quickly get Instacart auto insurance quotes by entering your ZIP code here.
Case Studies: Instacart Auto Insurance Scenarios
Case Study 1: Sarah’s Accident
Sarah, an Instacart delivery driver, experienced an accident while on the job. She had a personal auto insurance policy but soon realized it didn’t cover her while delivering groceries. Sarah had to purchase a commercial Instacart auto insurance policy to ensure she was properly covered. The average rate for a commercial policy was $273.
Case Study 2: John’s Affordable Coverage
John, another Instacart driver, wanted to find the most affordable Instacart auto insurance policy. He compared quotes from different insurance companies and discovered that Geico and Progressive offered competitive rates for commercial policies. By taking advantage of discounts and carefully reviewing different companies, John was able to find affordable coverage for his Instacart deliveries.
Case Study 3: Mark’s Protection Guarantee
Mark understood the importance of having a commercial auto insurance policy while driving for Instacart. He realized that making a claim on a personal policy wouldn’t cover him during business activities. Mark decided to purchase Instacart auto insurance to ensure his claims would be accepted. By carrying a commercial policy, Mark guaranteed his protection while delivering groceries.
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