Best Auto Insurance for Instacart Drivers in 2025 (Your Guide to the Top 10 Companies)

The best auto insurance for Instacart drivers includes State Farm, Geico, and Allstate, with Geico offering rates starting at $44 per month. These companies provide the perfect balance of cost, coverage, and service for Instacart drivers.

Instacart is an app that lets people order groceries from local stores. Individuals can sign up to become shoppers or drivers to gather and deliver orders.

Our Top 10 Company Picks: Best Auto Insurance for Instacart Drivers

The drivers must also meet both company and state auto insurance requirements for coverage and compliance. To learn more, check our guide, “Factors that Affect Your Car Insurance Premium.”

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#1 – State Farm: Overall Top Pick

Pros

• Lots of Options: State Farm offers coverage options designed to fit the needs of Instacart drivers, both on and off the job. Check out our “State Farm Insurance Review” for more info.
• Budget-Friendly: Monthly rates start as low as $48. If you’re on a tight budget and just need the basics, it’s a great choice.
• Bundling Discounts: State Farm provides savings when you bundle auto insurance with other policies, helping Instacart drivers save even more.

Cons

• Limited Multi-Policy Discounts: State Farm’s multi-policy discounts aren’t as high as some competitors, which could be limiting for Instacart drivers looking for more savings.
• Premium Costs: Despite affordable rates, some Instacart drivers may find premiums higher than others for specific coverage types.

#2 – Geico: Best for Affordable Rates

Pros

• Affordable Plans: Geico offers some of the lowest rates for Instacart drivers, starting at just $44 monthly for basic coverage—great if you’re watching your budget.
• Convenient Management: Their easy-to-use app and website let you handle your policy anytime, making it hassle-free for busy drivers.
• Rideshare Protection: Geico has coverage designed for rideshare drivers, giving Instacart workers extra peace of mind on the road.

Cons

• Customer Service: Some customers say claims and support can be slow, which might frustrate busy Instacart drivers. Check out our “Geico Insurance Review” guide for more info.
• Limited Coverage Options: Geico might not have as many customizable coverage options as other companies, which could be a downside for drivers needing specific protection.

#3 – Allstate: Best for Local Agents

Pros

• Local Help: Allstate’s network of local agents offers personalized service, which is helpful if you need expert advice as an Instacart driver.
• Affordable Starting Rates: Allstate offers rates from $50 a month, making it an affordable choice if you just need basic coverage. Get the full scoop in our guide, “Allstate Auto Insurance Review.”
• Custom Plans: They have coverage options specifically for gig workers, like Instacart drivers, so you can find a plan that fits your needs.

Cons

• Costs Rise for Coverage: Premiums can get pricey if you need higher levels of coverage, which might be a drawback for some drivers.
• Fewer Discounts: Allstate’s discounts are more limited than other companies, so you might not save as much.

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#4 – Progressive: Best for Personalized Discounts

Pros

• Custom Discounts: Progressive gives personalized discounts based on how you drive and other factors, making saving easier.
• Affordable Rates: With basic coverage starting at just $46, Progressive is a great low-cost option for Instacart drivers. Find out more in our guide, “Progressive Auto Insurance Review.”
• Rideshare-Specific Coverage: They offer coverage designed for gig workers, which is a good fit for Instacart drivers.

Cons

• New Driver Rate Increase: If you’re new to driving or lack experience, your rates might be higher.
• Customer Service Issues: Some drivers have reported problems with claims, which could be frustrating when you need help.

#5 – Liberty Mutual: Best for Robust Coverage

Pros

• Wide Coverage Options: Liberty Mutual offers flexible plans for Instacart drivers, covering accidents, liability, and more. Check out our “Liberty Mutual Auto Insurance Review” for details.
• Affordable Rates: Starting at just $55 a month, it’s an affordable option for drivers who need good coverage without spending too much each month.
• Rideshare Coverage: Specifically designed for delivery and rideshare drivers, covering work-related driving and personal use.

Cons

• Expensive Full Coverage Plans: While the basic plan is affordable, Liberty Mutual’s full coverage options can be more expensive.
• Slow Claims Process: Some drivers have found the claims process to be slow, which can be frustrating if you need quick help.

#6 – Farmers: Best for Extensive Options

Pros

• Wide Range of Coverage: Farmers offers many coverage options, allowing Instacart drivers to choose what works best for their needs.
• Affordable Prices: Starting at just $49, Farmers keeps pricing competitive for drivers who only need basic coverage. Look at our guide, “Farmers Auto Insurance Review,” for all the details.
• Bundle Discounts: Farmers offers savings when you bundle policies. This is a great option for drivers who want to reduce costs while getting more coverage.

Cons

• Customer Service Concerns: Some drivers have reported inconsistent customer service, which could be frustrating if you need fast help during a busy day.
• Limited Online Tools: Farmers doesn’t offer as many online features as other insurance companies, which might be inconvenient if you prefer handling everything online.

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#7 – Nationwide: Best for Great Rewards

Pros

• Rewards Program: Nationwide rewards safe driving with a program that could be a great benefit for Instacart drivers, helping you save even more for being cautious on the road.
• Affordable Rates: With rates starting at just $47, Nationwide offers budget-friendly coverage options for Instacart drivers who need minimum coverage.
• Rideshare Coverage: Nationwide provides rideshare coverage tailored for gig workers like Instacart drivers, ensuring you’re protected while on the job.

Cons

• Expensive for Young Drivers: Younger drivers may pay more for insurance, making it harder for Instacart drivers to save. Check out our “Nationwide Auto Insurance Review” guide for more.
• Limited Availability: Nationwide may not be available in all states, so some Instacart drivers may have fewer options depending on where they live.

#8 – American Family: Best for Competitive Rates

Pros

• Affordable Coverage: American Family offers reasonable rates starting at $52, which makes it a good choice for Instacart drivers looking for an affordable option.
• Rideshare Coverage: They provide coverage made just for rideshare drivers, so you get the protection you need for your work.
• Excellent Customer Service: American Family is known for their excellent customer support, ensuring drivers can easily get the help they need.

Cons

• Higher Rates for Some: You might end up paying more than with other companies, which can be a problem if you’re trying to save money.
• Fewer Discounts: They have a few discounts, but not as many as other insurers, so you might miss some chances to save. Check out our “American Family Insurance Review” for more details.

#9 – The Hartford: Best for Exclusive Benefits

Pros

• Special Perks: The Hartford has great extras, like accident forgiveness, which can help Instacart drivers feel more at ease. Learn the details in our guide, “The Hartford  Insurance Review.”
• Affordable Rates: Starting at just $51, The Hartford is a budget-friendly option, especially if you only need simple coverage.
• Solid Rideshare Coverage: The Hartford gives specific coverage tailored to gig economy workers, like Instacart drivers, helping protect you while you work.

Cons

• Availability Issues: The Hartford may not be available in every state, so some Instacart drivers might not have access to this insurance.
• Increased Rates for Elders: Older drivers could face higher premiums, which may not be ideal for some Instacart workers.

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#10 – Travelers: Best for Multiple Discounts

Pros

• Multiple Discounts: Travelers gives discounts for safe driving, bundling policies, and more, so Instacart drivers can save money.
• Affordable Starting Rates: Coverage starts at just $48, making it a good, budget-friendly option for drivers.
• Rideshare Coverage: Travelers offers rideshare coverage, which is important for Instacart drivers to stay protected while working. Learn more in our guide, “Travelers Auto Insurance Review.”

Cons

• Limited Customer Support: Some customers have reported challenges with customer service, which might be frustrating if you need fast help while on the road.
• Higher Rates for Young Drivers: Younger drivers may face higher premiums, which could make it more expensive for new Instacart drivers to get coverage.

The Importance of Auto Insurance for Instacart Delivery Drivers

Yes, Instacart requires all of their delivery drivers to provide proof of a personal auto insurance policy before they can begin driving for the company. They do not, however, provide any type of insurance for their drivers.

Instacart Drivers Auto Insurance Monthly Rates by Provider & Coverage Level

Instacart auto insurance classifications label its drivers as independent contractors, meaning you are fully responsible for meeting insurance requirements for your state and insurance company. For a deeper understanding, read our guide, “Auto Insurance Coverage Options.”

Auto Insurance Discounts From the Top Providers for Instacart Drivers

Instacart’s other requirements to become a driver are pretty common, including being able to lift 50 pounds and making sure you have a vehicle large enough to fit groceries. Other than that, it’s fairly easy to become a driver. You just download the Shopper app, sign up for an account, pass a background check, and you’re in.

The Role of Your Personal Policy in Accident Coverage

Your personal auto insurance will most likely not cover you if you’re in an accident while you’re driving for your Instacart work. However, you should always report your occupation to your personal auto insurance provider.

If you fail to tell the auto insurance company you are a driver for Instacart, you risk having claims denied or having your coverage canceled. You should contact your insurance company to discuss your coverage options for being a delivery driver.

Some policies include a limited amount of business-use in your personal policy, but most insurers are likely to require you to purchase additional coverage.

To make sure you are getting the best price, always compare auto insurance rates before you choose a company to buy auto insurance from.

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The Importance of Commercial Auto Insurance

It may be in your best interest to purchase commercial auto insurance as an Instacart delivery driver. Commercial auto insurance may be more expensive than personal auto insurance, but it will offer coverage for your business hours and activities.

It’s no joke how much money you can save when you bundle with the Personal Price Plan®. It is pretty funny though. pic.twitter.com/COhT4EGKg0

— State Farm (@StateFarm) December 10, 2024

If you deliver less than part-time, you may be able to qualify for a business-use add-on through your personal insurer. This will still come at an extra fee, but it is cheaper than a commercial insurance policy, and you’ll still be covered for some business time.

When selecting auto insurance as an Instacart driver, prioritize providers that offer flexible coverage tailored to delivery or rideshare needs. Delivery-specific add-ons and rideshare coverage are key because they fill the gap between personal and commercial insurance.

These options ensure you’re covered no matter what—whether driving for personal errands or making deliveries. With coverage that extends to both your daily trips and work-related activities, you don’t have to worry about getting stuck with bills from an accident while working.

This dual protection helps prevent unexpected costs that could otherwise come out of your pocket, offering peace of mind no matter what you’re doing behind the wheel. It makes sure you’re financially safe, whether you’re on a quick run to the store or on the job with Instacart.

Understanding Instacart Auto Insurance

Instacart delivery drivers must have a personal auto insurance policy, but this doesn’t automatically mean you’re covered if you’re involved in an accident while working. Personal auto insurance is designed for everyday driving, not business activities like delivering groceries.

To ensure you’re fully covered while driving for Instacart, you must check if your insurance covers business use or if you need to add rideshare or commercial auto insurance. Without the right coverage, you could face high costs if something goes wrong. Adding a rideshare insurance or commercial policy can help close the gap and give you the protection you need as a delivery driver.

When buying Instacart auto insurance, you should consider purchasing a commercial auto insurance policy or a business-use add-on for your personal policy.  You are responsible for your insurance premiums and any costs associated with accidents or damage to your vehicle.

Options like supplemental rideshare insurance or commercial auto policies can fill the gap, offering protection tailored to the unique needs of delivery drivers. Find out more in our guide, “What is liability auto insurance?”

Case Studies: Finding the Best Auto Insurance for Instacart Drivers

Finding the right auto insurance can be tricky, especially for gig workers like Instacart drivers. Below, we highlight three real-life cases to show how choosing the best auto insurance can make all the difference

Case Study 1: Flexible Coverage for Part-Time Drivers:

Sarah drives for Instacart part-time and needed insurance that wouldn’t break the bank. She chose a policy with a rideshare add-on that only activates when she’s on the app. This gave her complete protection during work hours without paying for extra coverage when off duty. The result? Peace of mind and savings.

Case Study 2: Comprehensive Protection for Full-Time Drivers:

Alex drives for Instacart full-time and wants complete coverage. He found a policy that combined personal auto insurance with commercial use coverage, offering complete protection 24/7. Even after a minor accident while delivering groceries, his insurance covered the repairs, keeping him on the road and earning.

Case Study 3: Affordable Options for New Drivers:

Chris just started delivering for Instacart and was worried about high insurance costs. He found a company offering low-cost options tailored for gig workers. By bundling his auto and renter’s insurance, Chris saved money while staying fully covered during deliveries.

The right insurance can protect you and your earnings regardless of your driving habits. Compare options, look for gig-friendly policies, and drive confidently like Sarah, Alex, and Chris.

Choosing the Right Auto Insurance for Instacart Drivers

Choosing the right auto insurance is super important for Instacart drivers, whether you drive part-time, full-time, or are just getting started. Sarah, Alex, and Chris found options that worked for them and fit their budgets, proving that the right coverage can give you peace of mind and protect your income.

Each driver’s story shows how important it is to pick an insurance plan that fits how much and when you drive. Whether it’s a flexible add-on for part-timers like Sarah, full 24/7 coverage for full-timers like Alex, or affordable options for new drivers like Chris, the right insurance keeps you covered without costing too much.

By carefully evaluating your needs and exploring gig-friendly policies, you can find a plan that works for you and keeps you safe on the road. An affordable auto insurance policy could be right around the corner. Use our free quote comparison tool by entering your ZIP code to start shopping now.

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