Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Written by Marissa Hayes
Insurance Writer & Expert Marissa Hayes

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Short of It

  • 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 car 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, and the standard full coverage policy is typically not enough.

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. To 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 auto insurance quotes from Progressive for Instacart delivery drivers.

Sample Progressive Instacart Average Monthly Auto Insurance Rates
Type of Auto Insurance CoverageSample Monthly Rates from ProgressiveSample of Monthly Rate Increase (Compared to a Personal Policy Alone)
Personal Auto Insurance (No Delivery)$105.83N/A
Personal Auto Insurance (Delivery)No Coverage AvailableNo Coverage Available
Business + Personal Auto Insurance (Food Delivery)$296.83180.47%
Business Only Auto Insurance (Food Delivery)$273.08158.03%
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This gives you a look at what you may be paying on top of your rates for your personal auto insurance policy. Read our GEICO car insurance review or our reviews on other companies to get a detailed look at different ways to save money on Instacart auto insurance.

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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 National Association of Insurance Commissioners.

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, shop around for discounts to save money. 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 compare delivery driver insurance quotes before you buy Instacart auto insurance by entering your ZIP code here.