Buy Cheap Auto Insurance for Instacart in 2024
Instacart does not offer auto insurance to its drivers. You will likely need liability insurance at minimum to drive legally in your state, and you may need commercial coverage as well, depending on the details of your auto insurance policy.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Sep 16, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Sep 16, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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
- Instacart doesn’t offer commercial car insurance to its delivery drivers when they’re making deliveries
- Instacart drivers must meet their state’s minimum liability requirements concerning car insurance
- Delivery drivers should consider purchasing a commercial or business use insurance policy for adequate protection
If you work for Instacart, you must have a valid car insurance policy. While other employers, such as Amazon, offer their employees commercial auto insurance coverage, Instacart doesn’t.
Instacart delivery drivers aren’t required to carry high vehicle coverage levels, so you can drive legally for Instacart with only a liability policy. However, since there isn’t Instacart auto insurance, Instacart delivery drivers must find car insurance coverage to cover them adequately.
Does Instacart offer car insurance?
There is no Instacart insurance for Instacart delivery drivers. However, anyone who wants to become a full-service shopper for Instacart must have access to a vehicle to make deliveries.
The Instacart website doesn’t specify that delivery drivers must have auto insurance. The only Instacart requirements for drivers listed by the company include:
- Be 18 or older
- Be eligible to work in the U.S.
- Have consistent access to a vehicle and a smartphone
- Be able to lift up to 50 pounds
Since the company doesn’t require its employees to own a vehicle to become a driver for Instacart, requirements for Instacart don’t include auto insurance. However, anyone who owns a car in the U.S. must have liability coverage to drive legally.
The Instacart age requirement means that most drivers will drive their own vehicles and must have a personal auto insurance policy with proper coverage. Since Instacart car requirements are vague, people who want to deliver for the company must ensure they have access to a working vehicle.
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How much liability insurance do Instacart drivers need?
While most people know that anyone who owns and drives a car needs proper insurance, it’s less common for people to know exactly how much insurance they need.
Each state in the U.S. has requirements in terms of liability coverage. So it depends on where you live when determining how much insurance you need on your vehicle.
The table below shows how much liability insurance you must have in each state regarding bodily injury coverage per person, bodily injury coverage per accident, and property damage coverage.
Some states require drivers to have additional coverage, like personal injury protection, medical payments, and uninsured/underinsured motorist coverage.
Minimum Liability Auto Insurance Coverage Requirements by State
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 (PIP) 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 motorist, underinsured motorist 25/50/20
Delaware Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/10
Washington, D.C. Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/10
Florida Bodily injury and property damage liability, Personal injury protection (PIP) 10/20/10
Georgia Bodily injury and property damage liability 25/50/25
Hawaii Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/10
Idaho Bodily injury and property damage liability 25/50/15
Illinois Bodily injury and property damage liability, uninsured motorist, underinsured motorist 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 (PIP) 25/50/25
Kentucky Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/25
Louisiana Bodily injury and property damage liability 15/30/25
Maine Bodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay) 50/100/25
Maryland Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 30/60/15
Massachusetts Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/5
Michigan Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/10
Minnesota Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 30/60/10
Mississippi Bodily injury and property damage liability 25/50/25
Missouri Bodily injury and property damage liability, uninsured motorist 25/50/25
Montana Bodily injury and property damage liability 25/50/20
Nebraska Bodily injury and property damage liability, uninsured motorist, underinsured motorist 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 (PIP), uninsured motorist, underinsured motorist 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 (PIP), uninsured motorist, underinsured motorist 25/50/10
North Carolina Bodily injury and property damage liability, uninsured motorist, underinsured motorist 30/60/25
North Dakota Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 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 (PIP), uninsured motorist, underinsured motorist 25/50/20
Pennsylvania Bodily injury and property damage liability, Personal injury protection (PIP) 15/30/5
Rhode Island Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
South Carolina Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
South Dakota Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Tennessee Bodily injury and property damage liability 25/50/15
Texas Bodily injury and property damage liability, Personal injury protection (PIP) 30/60/25
Utah Bodily injury and property damage liability, Personal injury protection (PIP) 25/65/15
Vermont Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/10
Virginia Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Washington Bodily injury and property damage liability 25/50/10
West Virginia Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Wisconsin Bodily injury and property damage liability, uninsured motorist, medical payments (MedPay) 25/50/10
Wyoming Bodily injury and property damage liability 25/50/20
While all you need to drive legally is liability coverage, people who drive a lot for work or other reasons often purchase additional coverage to ensure protection in an accident.
Should Instacart drivers carry more than liability coverage?
If you’re an Instacart shopper, car insurance is a must, and you should consider purchasing additional auto insurance coverage for your vehicle.
Many people add collision and comprehensive coverage to their car insurance policies. Collision coverage helps to protect your vehicle if you’re in an accident, and it applies even if you’re at fault. Additionally, comprehensive coverage helps with things like theft, vandalism, and damage due to inclement weather.
Often, people who choose not to purchase additional car insurance make this decision because of the cost. While a full coverage car insurance policy, including comprehensive and collision coverage, can be beneficial, it can also be expensive.
The table below shows each state’s average annual car insurance rates based on coverage type.
Average Annual Auto Insurance Rates by State and Coverage Type
States Average Annual Liability Coverage Rates Average Annual Collision Coverage Rates Average Annual Comprehensive Coverage Rates Average Annual Full Coverage Coverage Rates
North Dakota $283 $252 $113 $741
South Dakota $289 $251 $110 $1,206
Iowa $293 $251 $231 $819
Wyoming $323 $270 $223 $817
Maine $334 $332 $147 $1,078
Idaho $337 $285 $118 $833
Vermont $341 $278 $118 $738
Kansas $342 $255 $130 $904
Nebraska $349 $294 $117 $1,058
North Carolina $358 $227 $228 $738
Wisconsin $360 $210 $126 $696
Indiana $372 $207 $172 $672
Alabama $373 $299 $146 $818
Ohio $376 $298 $202 $941
Arkansas $381 $305 $183 $869
Montana $388 $224 $206 $779
New Hampshire $393 $365 $123 $1,354
Tennessee $398 $290 $136 $824
Missouri $399 $255 $200 $843
Virginia $413 $265 $130 $808
Illinois $431 $237 $115 $725
Mississippi $437 $260 $166 $825
Minnesota $440 $303 $195 $935
Oklahoma $442 $212 $90 $856
Hawaii $458 $209 $111 $657
New Mexico $462 $358 $157 $1,300
California $463 $365 $99 $927
Utah $471 $254 $107 $832
Colorado $477 $263 $158 $899
Arizona $489 $259 $184 $932
Georgia $491 $298 $100 $856
Pennsylvania $495 $377 $122 $1,219
South Carolina $498 $200 $229 $718
Texas $498 $341 $187 $1,026
West Virginia $501 $319 $195 $1,016
Kentucky $519 $391 $209 $1,327
Alaska $547 $360 $141 $1,049
Oregon $553 $307 $132 $934
Washington $569 $250 $104 $923
Massachusetts $588 $383 $147 $1,252
Maryland $599 $359 $129 $1,075
District of Columbia $628 $449 $230 $1,308
Connecticut $634 $349 $126 $1,109
Nevada $647 $282 $103 $778
Rhode Island $720 $248 $165 $911
Michigan $722 $214 $173 $827
Louisiana $727 $249 $97 $680
Delaware $777 $297 $113 $1,186
New York $785 $265 $123 $745
Florida $845 $320 $154 $965
New Jersey $866 $267 $167 $897
As you can see, the difference between a liability policy and a full coverage policy can be several hundred dollars. Unfortunately, this often keeps people from purchasing additional coverage on their vehicles.
Should delivery drivers get commercial auto insurance?
Some delivery drivers purchase commercial auto insurance policies on their vehicles, particularly if the driver is full-time or needs additional coverage because the items they deliver are expensive.
Commercial car insurance is a great safety net for anyone who drives a car for work since it includes coverage to protect drivers from any liability associated with an accident. If you don’t have commercial car insurance, you could be on the hook for damages to property or injuries as a delivery driver.
If you don’t drive for Instacart full-time but wonder whether you need business car insurance as a part-time driver, you may want to review your car insurance policy for guidance.
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Will my personal auto insurance coverage help me when I’m making deliveries?
Most insurance companies will not allow a person’s car insurance policy to cover them if they drive for business purposes. So your car insurance policy may not be beneficial if you’re in an accident.
Many people who only use their cars for business a few hours a week purchase a business-use add-on for their insurance policies.
Some insurance companies offer this add-on for coverage on a personal policy. Still, most companies stipulate how seldom you have to use your vehicle for work purposes to qualify for coverage.
Contact your insurance provider and ask which commercial or business auto insurance options might work best.
Instacart Auto Insurance: The Bottom Line
Anyone who drives for Instacart needs auto insurance, and you only have to meet your state’s liability requirements to drive legally. Still, you should consider purchasing additional coverage to ensure you and your vehicle have protection in any circumstance.
Speak to your auto insurance provider about your options regarding commercial coverage for your vehicle.
Car insurance rates fluctuate from one company to the next. So your best bet for finding affordable auto insurance is shopping online and comparing quotes from multiple companies.
Frequently Asked Questions
What is Instacart auto insurance?
Instacart auto insurance refers to the insurance coverage required for drivers who use their personal vehicles to make deliveries for Instacart, a popular grocery delivery service. This coverage is essential to protect drivers in case of accidents or damages that may occur during their delivery activities.
Why do I need auto insurance for Instacart?
Instacart drivers use their personal vehicles for business purposes, which means their personal auto insurance policies may not cover accidents or damages that occur while making deliveries. Having auto insurance specifically tailored for Instacart helps ensure that you have adequate coverage while working for the company.
What types of auto insurance coverage do I need for Instacart?
As an Instacart driver, you typically need commercial auto insurance or a specific rideshare or delivery driver insurance policy. This coverage is designed to protect you during the time you are actively working for Instacart, covering both liability and physical damage to your vehicle.
Can I use my personal auto insurance for Instacart deliveries?
It’s important to note that personal auto insurance policies generally exclude coverage for commercial activities like Instacart deliveries. While some personal policies offer limited coverage during rideshare or delivery work, it’s crucial to review your policy and discuss your intentions with your insurance provider to ensure you have the necessary coverage.
Do I need to inform my insurance company about working for Instacart?
Yes, it’s crucial to inform your insurance company about your intention to work for Instacart. Failing to disclose this information could lead to coverage gaps or even the cancellation of your policy. It’s always best to be upfront and transparent with your insurance provider to ensure you have the appropriate coverage.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.