Instacart Auto Insurance: Rates & Requirements (2024)

You may be looking for a job where you can drive your car, set your hours, and be your own boss. If you’re considering an Instacart career, you must have proper auto insurance coverage to drive legally.

Instacart delivers groceries and other items from countless stores, like Publix, Food Lion, Walgreens, Costco, and more. Drivers use their personal vehicles when working for Instacart, but personal car insurance may not cover you while you’re on delivery. 

Unfortunately, Instacart doesn’t provide its own auto insurance. The good news is many other companies offer Instacart auto insurance and other rideshare auto insurance policies to protect delivery drivers while they’re at work. Keep reading to compare auto insurance for Instacart drivers to get the best price on your policy.

Instacart Auto Insurance for Delivery Drivers

Unlike other delivery companies, Instacart doesn’t provide its drivers with auto insurance. However, since Instacart couriers are required to own car insurance coverage, knowing where to start can be daunting.

Anyone who drives for Instacart needs at least liability auto insurance coverage meeting their state’s requirements. Below is a list of additional Instacart requirements.

• The driver must be at least 18 years old.
• The driver must be eligible to work in the United States.
• The driver must have access to a vehicle.
• The driver must have access to a smartphone.
• The driver must be able to lift 50 pounds.

Instacart driver requirements aren’t stringent — you only need regular and reliable access to a car, mainly since the Instacart age requirement is 18.

Since Instacart insurance doesn’t exist, you’re responsible for choosing an adequate auto insurance policy to meet your needs. Find out more about the different types of auto insurance coverage here. 

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Determining Instacart Auto Insurance Rates

Your auto insurance rates as an Instacart driver depend on several factors, including:

• Age
• Gender
• Marital status
• Car make and model
• Credit score
• Driving history
• Coverage types
• ZIP code

If you only plan to carry your state’s minimum liability coverage when driving for Instacart, your rates will not be too high. The table below shows your state’s average cost for liability coverage. Learn more about the factors that affect auto insurance rates. 

Average Annual Liability Auto Insurance Rates by State

You’ll pay more for auto insurance if you add coverages to your liability insurance policy. However, adding more car insurance coverage offers more protection if you’re in an accident.

How Much Instacart Auto Insurance Delivery Drivers Need

Wondering how much auto insurance you need?

Instacart’s rules about the required car insurance coverage are vague, and for a good reason. Each state has laws regarding auto insurance coverage, and each company has exclusions regarding the business use of a personal vehicle.

To get coverage meeting state car insurance requirements, you need to know how much you’re required to carry based on where you live. The table below shows each state’s coverage requirements.

Minimum 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	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/underinsured motorist protection	25/50/20
Delaware	Bodily injury and property damage liability; personal injury protection	25/50/10
Washington, D.C.	Bodily injury and property damage liability; uninsured/underinsured motorist protection	25/50/10
Florida	Property damage liability and personal injury protection	10/20/10
Georgia	Bodily injury and property damage liability	25/50/25
Hawaii	Bodily injury and property damage liability; personal injury protection	20/40/10
Idaho	Bodily injury and property damage liability	25/50/15
Illinois	Bodily injury and property damage liability; uninsured/underinsured motorist protection	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	25/50/25
Kentucky	Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist protection	25/50/25
Louisiana	Bodily injury and property damage liability	15/30/25
Maine	Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments	50/100/25
Maryland	Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage	30/60/15
Massachusetts	Bodily injury and property damage liability; personal injury protection	20/40/5
Michigan	Bodily injury and property damage liability; personal injury protection	20/40/10
Minnesota	Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage	30/60/10
Mississippi	Bodily injury and property damage liability	25/50/25
Missouri	Bodily injury and property damage liability; uninsured/underinsured motorist coverage	25/50/25
Montana	Bodily injury and property damage liability	25/50/20
Nebraska	Bodily injury and property damage liability; uninsured/underinsured motorist coverage	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; uninsured/underinsured motorist coverage	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; uninsured/underinsured motorist coverage	25/50/10
North Carolina	Bodily injury and property damage liability; uninsured/underinsured motorist coverage	30/60/25
North Dakota	Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage	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; uninsured/underinsured motorist coverage	25/50/20
Pennsylvania	Bodily injury and property damage liability; personal injury protection	15/30/5
Rhode Island	Bodily injury and property damage liability	25/50/25
South Carolina	Bodily injury and property damage liability; uninsured/underinsured motorist coverage	25/50/25
South Dakota	Bodily injury and property damage liability; uninsured/underinsured motorist coverage	25/50/25
Tennessee	Bodily injury and property damage liability	25/50/15
Texas	Bodily injury and property damage liability; personal injury protection	30/60/25
Utah	Bodily injury and property damage liability; personal injury protection	25/65/15
Vermont	Bodily injury and property damage liability; uninsured/underinsured motorist coverage	25/50/10
Virginia	Bodily injury and property damage liability; uninsured/underinsured motorist coverage	25/50/20
Washington	Bodily injury and property damage liability	25/50/10
West Virginia	Bodily injury and property damage liability; uninsured/underinsured motorist coverage	25/50/25
Wisconsin	Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments	25/50/10
Wyoming	Bodily injury and property damage liability	25/50/20

Most states require bodily injury liability insurance and property damage insurance, but some require additional coverage for personal injury protection insurance, medical payments coverage, and uninsured or underinsured drivers.

Even with all the coverages above, you only have minimal coverage in the event of an accident because liability only pays for injuries or damages you cause to other people or their vehicles.

You’ll need more car insurance coverage to ensure adequate protection when driving for Instacart.

Instacart Drivers Need More Than Liability-Only Auto Insurance

You should consider purchasing additional auto insurance coverage for your vehicle if you drive for work, especially if you regularly drive for a delivery service.

Purchasing full coverage car insurance — the combination of collision insurance and comprehensive auto insurance with liability — is the most common way to upgrade your policy. Full coverage auto insurance protects you and your vehicle if you’re in an accident or if your car gets damaged while parked.

Collision car insurance comes into play when you’re in a wreck. It pays for the necessary repairs following an accident, while liability coverage only covers damage to other people and their vehicles.

Unlike collision coverage, comprehensive insurance covers your vehicle if it gets damaged in a non-accident-related event, such as theft, vandalism, flood damage, or a broken windshield.

Full coverage will protect you on the road, but your insurer may have stipulations concerning coverage when you drive for work purposes. Consider purchasing commercial auto insurance if a personal insurance policy doesn’t cover you.

Commercial Auto Insurance for Instacart Drivers

Commercial auto insurance will cover you if you have a job driving your own car. If you’re driving your vehicle instead of a company car and work for Instacart part-time, you could purchase a business use add-on with your insurance policy and save money. Speak with your car insurance company to see what coverage you need as a delivery driver.

Commercial auto insurance can cost much more than a personal policy, so ensure you need the coverage before buying it. Also, let your insurance company know if you have any questions concerning your current coverage.

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How to Find Affordable Instacart Auto Insurance

Driving for Instacart means you’ll need car insurance. You only need a liability policy that meets your state’s requirements to work for Instacart, but you should consider carrying more coverage to ensure you’re adequately protected.

You can get a full coverage policy that includes collision and comprehensive auto insurance. Still, it’s up to your insurance company whether it extends to the business use of your car. If it doesn’t, you’ll need to consider a commercial policy.

To keep car insurance costs down, you can shop online and compare quotes from multiple providers. You may find that a different insurance company can provide the coverage you need at a better price than your current provider.

 

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