Instacart Auto Insurance: Rates & Requirements (2024)
To get Instacart auto insurance, drivers must buy a personal policy with rideshare or commercial coverage. Rates for an Instacart commercial insurance policy are as low as $2/mo. We'll compare cheap Instacart car insurance rates from the top providers and lay out the Instacart car insurance requirements below.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Mar 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
- Car insurance for Instacart drivers must meet state liability insurance requirements
- Instacart doesn’t provide liability or commercial coverage to drivers actively working
- You may need a commercial car insurance policy to drive safely for Instacart
Does Instacart require insurance? You must carry Instacart auto insurance coverage to meet the company’s grocery delivery insurance requirements. All you need is liability auto insurance, though some companies may want you to add rideshare coverage.
So, does Instacart provide insurance? Unfortunately, you can’t get Instacart shopper insurance directly from the company. The good news is many companies offer cheap rideshare car insurance for Instacart drivers, starting at $2/mo.
Our guide overviews average Instacart shopper car insurance rates and Instacart car requirements to help you find the best deal. Enter your ZIP code into our free quote comparison tool above to find the best insurance for Instacart drivers near you.
Instacart Auto Insurance: Requirements for Driving and Insurance
Does Instacart offer insurance? Unlike other delivery companies, Instacart doesn’t provide its drivers with auto insurance.
So, that may lead you to wonder, “Does Instacart require car insurance?” Yes, Instacart couriers are required to own car insurance coverage. Anyone who drivers for Instacart must carry liability auto insurance coverage meeting their state’s requirements.
In addition, most of the best auto insurance companies require their drivers to carry rideshare insurance.
Below is a list of additional Instacart driving 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.
However, does Instacart check insurance? Yes, Instacart will ask you to submit proof of insurance before delivering for them.
Read More: How to Get Instant Proof of Your Auto Insurance Policy Online
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 auto insurance coverage here.
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Instacart Insurance Coverage Rates
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.
State Rates
Alabama $25
Alaska $26
Arizona $26
Arkansas $28
California $29
Colorado $30
Connecticut $30
Countrywide $30
Delaware $31
Washington, D.C. $31
Florida $32
Georgia $33
Hawaii $33
Idaho $34
Illinois $34
Indiana $34
Iowa $35
Kansas $36
Kentucky $36
Louisiana $36
Maine $38
Maryland $38
Massachusetts $39
Michigan $39
Minnesota $39
Mississippi $42
Missouri $42
Montana $42
Nebraska $43
Nevada $43
New Hampshire $45
New Jersey $45
New Mexico $45
New York $46
North Carolina $46
North Dakota $46
Ohio $47
Oklahoma $50
Oregon $51
Pennsylvania $51
Rhode Island $51
South Carolina $53
South Dakota $55
Tennessee $57
Texas $60
Utah $66
Vermont $67
Virginia $68
Washington $68
West Virginia $69
Wisconsin $74
Wyoming $75
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.
In addition to liability coverage, some companies may require you to add a rideshare or commercial endorsement to your policy. Check out the table below to check out average rates from the best rideshare auto insurance companies:
Insurance Company | Monthly Rates |
---|---|
Allstate | Under $2 |
Erie | $9 to $15 |
Farmers | $13 to $20 |
Geico | $7 to $14 |
Liberty Mutual | $12 to $19 |
Mercury | $27 |
Nationwide | $11 to $18 |
Progressive | $8 to $15 |
Safeco | $10 |
State Farm | 20% of policy |
USAA | $6 |
Do I need commercial insurance for Instacart? While you must give Instacart proof of insurance coverage, commercial coverage is only required if your insurer says your personal policy alone doesn’t cover delivery services.
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
Learn More: Factors That Affect Car Insurance Rates
Instacart Driver Insurance Requirements by State
So, do you need insurance for Instacart? Instacart’s rules about the required car insurance coverage 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 state 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:
States Coverages Limits
Alabama Bodily injury and property damage liability 25/50/25
Alaska Bodily injury and property damage liability 50/100/25
Arizona Bodily injury and property damage liability 15/30/10
Arkansas Bodily injury and property damage liability; personal injury protection 25/50/25
California Bodily injury and property damage liability 15/30/5
Colorado Bodily injury and property damage liability 25/50/15
Connecticut Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Delaware Bodily injury and property damage liability; personal injury protection 25/50/10
Washington, D.C. Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/10
Florida Property damage liability and personal injury protection 10/20/10
Georgia Bodily injury and property damage liability 25/50/25
Hawaii Bodily injury and property damage liability; personal injury protection 20/40/10
Idaho Bodily injury and property damage liability 25/50/15
Illinois Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Indiana Bodily injury and property damage liability 25/50/25
Iowa Bodily injury and property damage liability 20/40/15
Kansas Bodily injury and property damage liability; personal injury protection 25/50/25
Kentucky Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist protection 25/50/25
Louisiana Bodily injury and property damage liability 15/30/25
Maine Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 50/100/25
Maryland Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/15
Massachusetts Bodily injury and property damage liability; personal injury protection 20/40/5
Michigan Bodily injury and property damage liability; personal injury protection 20/40/10
Minnesota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/10
Mississippi Bodily injury and property damage liability 25/50/25
Missouri Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Montana Bodily injury and property damage liability 25/50/20
Nebraska Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Nevada Bodily injury and property damage liability 25/50/20
New Hampshire Financial responsibility only 25/50/25
New Jersey Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 15/30/5
New Mexico Bodily injury and property damage liability 25/50/10
New York Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/10
North Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 30/60/25
North Dakota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/25
Ohio Bodily injury and property damage liability 25/50/25
Oklahoma Bodily injury and property damage liability 25/50/25
Oregon Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/20
Pennsylvania Bodily injury and property damage liability; personal injury protection 15/30/5
Rhode Island Bodily injury and property damage liability 25/50/25
South Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
South Dakota Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Tennessee Bodily injury and property damage liability 25/50/15
Texas Bodily injury and property damage liability; personal injury protection 30/60/25
Utah Bodily injury and property damage liability; personal injury protection 25/65/15
Vermont Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/10
Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/20
Washington Bodily injury and property damage liability 25/50/10
West Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Wisconsin Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 25/50/10
Wyoming Bodily injury and property damage liability 25/50/20
Most states require bodily injury liability insurance and property damage insurance, but some require additional coverage for personal injury protection insurance, medical payments coverage, and uninsured or underinsured drivers.
Learn More: How Much Car Insurance You Need
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.
However, does Instacart need proof of insurance? Yes, you’ll need to submit proof of insurance to Instacart after you purchase coverage.
Instacart Insurance for Drivers: Consider Getting Extra Coverage
A top question readers ask is, “Do you need special insurance for Instacart besides liability?” Instacart doesn’t require you to get additional coverage, such as full coverage. However, 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, to ensure you have complete protection.
Purchasing full coverage car insurance — the combination of collision insurance and comprehensive auto 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.
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— AutoInsurance.org (@AutoInsurance) February 29, 2024
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.
Read More: Collision vs. Comprehensive Auto Insurance
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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Commercial Insurance for Instacart Drivers
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.
So, you may be wondering, “Does Instacart require commercial insurance?” While Instacart doesn’t require you to add commercial coverage to your personal policy, 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 to purchase a commercial policy on top of your personal policy.Tracey L. Wells Licensed Insurance Agent & Agency Owner
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.
How to Buy Affordable Car Insurance With Instacart
So, do I need insurance for Instacart? 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 auto insurance. However, do you have to have commercial insurance for Instacart? It’s up to your insurance company whether it extends to the business use of your car — if it doesn’t, you’ll need a commercial or rideshare policy.
To keep car insurance costs down, you can shop online and compare quotes from multiple providers by entering your ZIP code into our free comparison tool below. You may find that a different insurance company can provide the coverage you need at a better price than your current provider.
Frequently Asked Questions
Does Instacart provide insurance for drivers?
No, Instacart does not offer its own insurance coverage. However, for drivers wondering, “Do you need car insurance for Instacart?” the answer is yes, it does require its drivers to carry at least liability insurance.
Do I need special auto insurance to drive for Instacart?
You will likely need a commercial or rideshare auto insurance policy to provide coverage while you’re on delivery for Instacart.
However, you don’t have to carry a full coverage policy to drive for Instacart, but we highly recommend it to protect you and your vehicle.
Does Instacart verify insurance?
A top question readers ask is, “Does Instacart ask for car insurance?” Yes, Instacart will confirm you have a valid auto insurance policy during your background check.
Can Instacart auto insurance be used as a substitute for personal auto insurance?
No, Instacart auto insurance should not be considered a substitute for personal auto insurance. It is primarily intended to provide coverage while drivers are actively working on the Instacart platform. Drivers are responsible for maintaining their own personal auto insurance coverage for personal use of their vehicles.
So, do you need insurance to do Instacart? Instacart drivers must carry a personal liability car insurance policy to drive for the platform.
Does Instacart auto insurance cover all types of vehicles?
Instacart’s auto insurance coverage generally applies to personal vehicles used for delivery purposes. However, specific vehicle requirements and restrictions may vary depending on your location and the terms of the insurance policy. It’s important to review the insurance details provided by Instacart to understand any vehicle-related requirements.
Are there any additional auto insurance options recommended for Instacart drivers?
While you’ll need liability coverage to drive for Instacart, some drivers may choose to explore additional insurance options to enhance their protection. This may include personal auto insurance policies that offer comprehensive coverage, uninsured/underinsured motorist coverage, or commercial auto insurance if they meet the criteria for such coverage.
What happens if you get in a car accident while doing Instacart?
If you’re involved in an accident while working for Instacart, first ensure everyone’s safety and call emergency services if necessary. Then, report the incident to Instacart’s support team as soon as possible. They will guide you through the process of reporting the accident and filing Instacart auto claims.
So, does Instacart cover car accidents? Since Instacart requires you to carry a personal liability policy while driving for the platform, you’ll have coverage to pay for accident damages you caused to others. However, you must carry a full coverage policy if you’re looking to cover you and your vehicle.
Can you use someone else’s car for Instacart?
Yes, you can drive a rental or someone else’s car for Instacart, but both the driver and the vehicle must have a valid insurance policy.
What is the Instacart auto claims phone number?
Since Instacart doesn’t provide car insurance, there isn’t a number to call for filing claims. Contact your personal insurance company for filing Instacart insurance claims.
Read More: How to File an Auto Insurance Claim
Does Geico cover Instacart?
Whether or not Geico covers Instacart driving depends on your coverage type. While a personal policy with the company won’t extend to delivery driving, you can get Geico Instacart insurance with a commercial policy. Learn more about your commercial coverage options in our Geico auto insurance review.
Will Instacart hire you with a DUI?
While a DUI won’t instantly disqualify you from being an Instacart shopper, it could impact your eligibility to work for the company, though it depends on several factors.
For instance, Instacart may evaluate circumstance such as the time elapsed since your conviction, the severity of the incident, and whether you have multiple DUIs. Usually, Instacart will conduct a background check before hiring, so they’ll be aware of the conviction.
Read More: Cheap Auto Insurance After a DUI
Do you need commercial insurance for Instacart?
While you must carry minimum insurance required by your state to drive for Instacart, it doesn’t explicitly say you need commercial coverage. Whether you need commercial insurance depends on your insurance company. Instead, some companies may ask you to add a rideshare endorsement to your policy.
Read More: Best Business Auto Insurance
Does Instacart affect car insurance?
Yes, you’ll likely see higher auto insurance rates when driving for Instacart since many companies require you to add a rideshare or commercial policy to your insurance. In addition, since you’ll drive a lot more when working for Instacart, you could lose any low-mileage discount you previously earned.
Learn More: How to Get a Low Mileage Auto Insurance Discount
Failing to let your insurer know that you drive for Instacart could result in a denied claim if you get in an accident while delivering for the service.
Does Instacart count as rideshare?
You may be wondering, “Is Instacart considered rideshare?” No, Instacart does not consider themselves a rideshare company, since it’s a grocery delivery service. Primarily, rideshare companies, such as Uber or Lyft, offer transportation for customers, rather than delivery services.
However, your insurance company may still require you to carry rideshare insurance if you’re delivering for Instacart. Contact your insurance agent to learn more.
Does Instacart offer health insurance?
While Instacart doesn’t directly offer health insurance coverage, the delivery company partners with Stride to offer various forms of insurance to delivery drivers, including health, dental, vision, life, and accident insurance.
Does Progressive cover Instacart?
Yes, Progressive will cover Instacart drivers who carry a commercial or rideshare endorsement on their personal policy. Rideshare insurance coverage with Progressive can cost anywhere from $8 to $15 monthly.
However, the amount you pay depends on various factors, such as driving history, vehicle type, location, coverage type, and annual mileage. It also depends on your personal policy premiums, since rideshare coverage gets added on top of your exisitng rates.
See exactly how much you could pay for rideshare coverage in our Progressive auto insurance review.
Are there any Instacart driving record requirements?
While there aren’t specific driving record requirements for Instacart, any blemishes on your driving record could impact your eligibility to drive for Instacart, such as DUIs, tickets, or reckless driving charges.
Read More: Cheap Auto Insurance for a Bad Driving Record
Other requirements to drive for Instacart include a valid driver’s license, insurance coverage, and a minimum age of 18.
What are the insurance requirements for Instacart vs. Shipt?
Instacart and Shipt both require their delivery drivers to carry a personal car insurance policy. In addition, neither delivery service offers additional auto insurance protection for their drivers, meaning they must get their own.
Read More: Shipt Auto Insurance: Rates & Requirements
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.