Instacart Car Insurance: Discounts, Rates, & Requirements (2023)

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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Enter your ZIP code below to view companies that have cheap car insurance rates.

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