Publix Food Delivery Car Insurance: Discounts, Rates, & Requirements (2021)

Instacart determines Publix food delivery car insurance requirements because Publix partners with Instacart to provide grocery delivery to customers. The Publix delivery app connects Publix customers with Instacart full-service shoppers. Instacart full-service shoppers must be 18 or older, have a valid driver's license, and access a vehicle. You'll need both personal and commercial Instacart Publix auto insurance to be protected while delivering.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 12, 2021

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Here's what you need to know...

  • Publix doesn’t maintain an in-house delivery service; instead, the company has partnered with Instacart to offer grocery delivery
  • Instart requires its full-service shoppers to be 18 or older, have access to a vehicle, have a valid driver’s license, and pass a background check
  • Neither Publix nor Instacart sells or offers insurance to delivery drivers, so you’ll have to buy your own Publix food delivery car insurance

Delivery drivers have specific insurance needs, and Publix food delivery drivers are no exception. How does Publix delivery work? Does the company offer in-house delivery or partner with a third-party company?

How much are average Publix food delivery car insurance rates? Is liability auto insurance coverage enough, or do you need additional coverage? Can you buy Publix food delivery car insurance? Read this article for answers to your Publix food delivery insurance questions.

One of the best ways to get affordable auto insurance as a Publix food delivery driver is to compare rates from multiple insurers. You can get started right now by entering your ZIP code in our comparison tool to get your first free quote.

What kind of car insurance do you need as a Publix food delivery driver?

Before we get to car insurance requirements, let’s take a minute to discuss how Publix delivery works. Exactly how does Publix delivery work? Publix partners with Instacart to offer grocery delivery to its customers. The Publix delivery app connects customers with Instacart full-service (those who both shop and deliver) shoppers.

So how does Publix food delivery auto insurance work? Since Publix and Instacart partner to deliver Publix products, delivery drivers must follow Instacart driver guidelines. Instacart requires its drivers to:

  • Be 18 or older
  • Have a valid driver’s license
  • Have access to a regular vehicle
  • Have a compatible smartphone
  • Pass a background check

However, Instacart does not have a car insurance requirement, and the company does not sell or provide insurance to its drivers. This means each Instacart delivery driver is responsible for purchasing their own coverage.

So what do you need? You’ll need at least minimum liability coverage that meets the requirements in your state, but will this personal car insurance cover a vehicle used for food delivery? The short answer is no. Most personal car insurance policies don’t cover using your vehicle for business (and some actively exclude it in the terms of the policy).

To be protected while you’re delivering Publix groceries through Instacart, you’ll also need a commercial car insurance policy.

Ensuring you have the right coverage as a delivery driver is critical because Crosley Law reports that delivery drivers are more likely to experience car accidents and vehicle fatalities than drivers in most other occupations.

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Where can you get Publix food delivery driver car insurance?

If you already have car insurance, your insurance company can probably sell you a commercial policy as well since most major insurance companies offer commercial coverage. However, a commercial policy will cost you. You can expect to see your rates increase by an average of $150 per month with commercial coverage.

We know this can be cost-prohibitive, so if you’re looking for a more affordable Publix food delivery car insurance option, you can ask about a delivery driver add-on. Companies that offer this coverage include:

  • Crump Property & Casualty
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

Looking for other ways to save? Compare Instacart and Publix food delivery car insurance quotes from at least three companies to make sure you’re getting the right coverage at the best price.

Publix Food Delivery Car Insurance: The Bottom Line

Publix doesn’t hire delivery drivers. Instead, the company works with Instacart to provide its customers with grocery delivery. Instacart requires its full-service shoppers to use their own vehicles, and as a result, buy their own car insurance coverage.

A personal policy won’t provide enough protection when you’re delivering for Instacart, so it’s a good idea to buy a commercial policy or delivery driver add-on as well.

Before you go, why not take a minute to enter your ZIP code in the free tool on this page to start comparing car insurance quotes for Publix food delivery drivers right now?

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