Instacart Auto Insurance Review (2022)

Instacart delivers groceries and other items from countless stores, like Publix, Food Lion, Walgreens, Costco, and more. Since the COVID-19 pandemic, more people are turning to Instacart or similar services.

You may be looking for a job where you can drive your car, set your hours, and be your own boss. If you’re considering an Instacart career, you must have proper auto insurance coverage to drive legally.

Does Instacart provide auto insurance to its drivers?

Unlike other delivery companies, Instacart doesn’t provide its drivers with auto insurance. However, since Instacart couriers are required to own car insurance coverage, knowing where to start can be daunting.

Anyone who drives for Instacart needs at least liability insurance coverage meeting their state’s requirements. Below is a list of additional Instacart requirements.

• The driver must be at least 18 years old.
• The driver must be eligible to work in the United States.
• The driver must have access to a vehicle.
• The driver must have access to a smartphone.
• The driver must be able to lift 50 pounds.

Instacart driver requirements aren’t stringent — you only need regular and reliable access to a car, mainly since the Instacart age requirement is 18.

Since Instacart insurance doesn’t exist, you’re responsible for choosing an adequate auto insurance policy to meet your needs. Find out more about the different types of car insurance coverage here. 

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How much is auto insurance as an Instacart driver?

Your auto insurance rates as an Instacart driver depend on several factors, including:

• Age
• Gender
• Marital status
• Car make and model
• Credit score
• Driving history
• Coverage types
• ZIP code

If you only plan to carry your state’s minimum liability coverage when driving for Instacart, your rates will not be too high. The table below shows your state’s average cost for liability coverage. Learn more about the factors that affect car insurance rates. 

You’ll pay more for auto insurance if you add coverages to your liability insurance policy. However, adding more car insurance coverage offers more protection if you’re in an accident.

How much car insurance do Instacart drivers need?

Wondering how much car insurance you need?

Instacart’s rules about the required car insurance coverages are vague, and for a good reason. Each state has laws regarding auto insurance coverage, and each company has exclusions regarding the business use of a personal vehicle.

To get coverage meeting your state’s car insurance requirements, you need to know how much you’re required to carry based on where you live. The table below shows each state’s coverage requirements.

Most states require bodily injury liability insurance and property damage insurance, but some require additional coverage for personal injury protection, medical payments, and uninsured or underinsured drivers.

Even with all the coverages above, you only have minimal coverage in the event of an accident because liability only pays for injuries or damages you cause to other people or their vehicles.

You’ll need more car insurance coverage to ensure adequate protection when driving for Instacart.

Do Instacart drivers need more than liability coverage?

You should consider purchasing additional auto insurance coverage for your vehicle if you drive for work, especially if you regularly drive for a delivery service.

Purchasing full coverage car insurance — the combination of collision insurance and comprehensive insurance with liability — is the most common way to upgrade your policy. Full coverage auto insurance protects you and your vehicle if you’re in an accident or if your car gets damaged while parked.

Collision car insurance comes into play when you’re in a wreck. It pays for the necessary repairs following an accident, while liability coverage only covers damage to other people and their vehicles.

Unlike collision coverage, comprehensive insurance covers your vehicle if it gets damaged in a non-accident-related event, such as theft, vandalism, flood damage, or a broken windshield.

Full coverage will protect you on the road, but your insurer may have stipulations concerning coverage when you drive for work purposes. Consider purchasing commercial auto insurance if a personal insurance policy doesn’t cover you.

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Should I get commercial car insurance if I drive for Instacart?

Commercial auto insurance will cover you if you have a job driving your own car. If you’re driving your vehicle instead of a company car and work for Instacart part-time, you could purchase a business use add-on with your insurance policy and save money. Speak with your car insurance company to see what coverage you need as a delivery driver.

Many car insurance companies consider the business use of a vehicle to be a higher risk than personal use. Consequently, your insurance company may require you purchase a commercial policy on top of your personal policy.

Commercial auto insurance can cost much more than a personal policy, so ensure you need the coverage before buying it. Also, let your insurance company know if you have any questions concerning your current coverage.

Instacart Car Insurance: The Bottom Line

Driving for Instacart means you’ll need car insurance. You only need a liability policy that meets your state’s requirements to work for Instacart, but you should consider carrying more coverage to ensure you’re adequately protected.

You can get a full coverage policy that includes collision and comprehensive insurance. Still, it’s up to your insurance company whether it extends to the business use of your car. If it doesn’t, you’ll need to consider a commercial policy.

To keep car insurance costs down, you can shop online and compare quotes from multiple providers. You may find that a different insurance company can provide the coverage you need at a better price than your current provider.

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