Instacart Car Insurance: Discounts, Rates, & Requirements (2021)

Instacart auto insurance is not provided by the company. In order to drive for Instacart or any other food delivery service, you'll need to purchase commercial car insurance coverage although Instacart is not required to confirm you have the proper insurance. Since Instacart does not provide car insurance coverage, Instacart auto insurance claims must be reported to your personal insurance provider.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 21, 2021

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Here's what you need to know...

  • Instacart is a third-party service that delivers groceries directly to customers’ homes
  • You must have commercial car insurance coverage to drive for Instacart
  • Instacart does not provide car insurance for its drivers

Delivery services have surged in popularity since the pandemic began, making it easier than ever before to order food and other items directly to your door.

But if you’re thinking of driving for Instacart, you may be wondering if there is Instacart auto insurance.

After all, if you’re involved in an accident while delivering for Instacart, you’ll want to know if Instacart will help cover the cost of any damages that occur. We’ll help you find cheap car insurance that covers all the bases.

Keep reading below to find answers to questions like how does Instacart work? Does Instacart require car insurance? How do I save on Instacart auto insurance?

But before you do, enter your ZIP code into our free comparison tool above to find affordable Instacart auto insurance near you.

How does Instacart work?

So how does Instacart work? Well, if you’re familiar with the company, you already know that Instacart is a third-party service that delivers groceries from the store directly to customers’ homes.

Not all grocery stores are available through Instacart, but those that partner with the service will have their merchandise displayed on the Instacart website and app.

Customers simply purchase what they want from the comfort of their homes.

After you place your order, an Instacart shopper will retrieve your order from the grocery store in person and deliver the goods directly to your home.

You can have your groceries delivered immediately or scheduled to be delivered later in the day.

You’ll be charged a small fee for the delivery service, but you also have the option to pick up your groceries in person to avoid the service fee. You can check out the full breakdown of Instacart’s charges on the Instacart website.

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Does Instacart require car insurance?

So does Instacart require car insurance? Unlike most food delivery services, Instacart does not specifically say that they require drivers to have car insurance on their website.

Their basic requirements state that you simply must have consistent access to a vehicle.

The Instacart independent contractor agreement does state that you must be in possession of insurance necessary to perform delivery services, but Instacart is not required to confirm this.

However, it is very important that you have the proper car insurance coverage before delivering for Instacart.

Even if you have a personal car insurance policy, you will not be covered if you are in an accident while delivering for Instacart. This is because you are using your vehicle for business purposes.

If you want to be covered while delivering for Instacart, you must purchase a commercial car insurance policy. Keep in mind that when looking for commercial auto insurance Instacart will not provide it for you.

While commercial Instacart auto insurance rates will be more expensive, it is necessary if you are using your car to deliver for Instacart.

Since Instacart does not provide coverage, Instacart auto insurance claims must be reported directly to your insurance provider.

How can I save on Instacart auto insurance?

So how can you save on Instacart auto insurance? While there are no discounts for food delivery drivers, comparing Instacart auto insurance quotes online can help you find the best rates.

Reviewing three to four Instacart auto insurance quotes from multiple companies should help you secure the most affordable deal. Check out our car insurance comparison chart for more info.

Ready to get started? Before you buy Instacart auto insurance, enter your ZIP code into our free comparison tool below to get free Instacart auto insurance quotes from providers in your area.

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