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

The best auto insurance for Instacart drivers are 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. Learn more about the factors that affect your car insurance premiums.

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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/month. If you’re an Instacart driver with 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 Coverage

Pros

• Affordable Plans: Geico offers affordable plans with great rates, and basic coverage starts at just $44 a month, making it a solid choice for Instacart drivers.
• Easy Management: Their app and website are really simple to use, making it easy to manage your policy anytime, which is great for busy Instacart drivers.
• Delivery Driver Coverage: Geico offers insurance for rideshare drivers, helping Instacart drivers feel more secure while 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 for more info.
• Limited Coverage Options: Geico might not have as many customizable coverage options as other companies, which could be a downside for Instacart drivers needing specific protection.

#3 – Allstate: Best for Local Agents

Pros

• Local Help: Allstate has a team of local agents who can give you personalized service, which is great if you ever need expert advice as an Instacart driver.
• Affordable Minimum Coverage: Allstate offers rates from $50 a month, making it an affordable choice for Instacart drivers who need basic coverage.
• Custom Plans: They have coverage options specifically for Instacart drivers, so you can find a plan that fits your needs. Learn more about the company in this Allstate Auto Insurance Review.

Cons

• Costs Increase for Higher Limits: Premiums can get pricey if you need higher levels of coverage, which might be a drawback for some Instacart drivers.
• Fewer Discounts: Allstate’s discounts are more limited than those of other companies, so Instacart drivers 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 Instacart driver saving easier.
• Budget-Friendly Premiums: With basic coverage starting at just $46/month, Progressive is a great low-cost option for Instacart drivers. Get more info in Progressive Auto Insurance Review.
• Gig Worker Coverage: They offer coverage designed for gig workers, which is a good fit for Instacart drivers.

Cons

• New Driver Rate Increase: If you’re a new Instacart driver or lack driving experience, your car insurance rates might be higher.
• Customer Service Issues: Some Instacart drivers have reported problems with processing their 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 more details.
• Competitive Pricing: At just $55/month, it’s an affordable option for Instacart drivers who need good coverage without spending a lot each month.
• Work-Related Driving Protection: Liberty Mutual’s simple app and website make it easy to manage your policy whenever you need to, which is perfect for busy Instacart drivers.

Cons

• Limited Discounts: Liberty Mutual has good prices, but not all Instacart drivers will be able to get every discount, which could mean paying higher premiums.
• Slow Claims Process: Some Instacart 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 Premiums: Starting at just $49/month, Farmers keeps pricing competitive for Instacart drivers who only need basic coverage. Take a look at our Farmers Auto Insurance Review.
• Bundle Discounts: Farmers offer savings when you bundle insurance policies. It is a great option for Instacart drivers who want to reduce costs while getting more coverage.

Cons

• Customer Service Concerns: Some Instacart drivers have reported delayed customer service responses, which can feel like poor service.
• Limited Online Tools: Farmers doesn’t offer as many online features as other insurance companies, which might be inconvenient for Instacart drivers who 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.
• Reasonable Rates: With rates starting at just $47/month, Nationwide offers budget-friendly coverage options for Instacart drivers who need minimum coverage.
• Flexible Coverage Options: Nationwide offers flexible coverage options that fit your needs as an Instacart driver so you can stay protected without paying too much.

Cons

• Expensive for Young Drivers: Younger drivers might have to pay higher insurance costs, which can make it tougher for Instacart drivers to save. Explore this Nationwide Auto Insurance Review.
• 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 rates from $52 a month, making it a great, affordable option for Instacart drivers.
• Comprehensive Protection: They offer different coverage options for Instacart drivers, from basic liability to full coverage, so you’re covered and safe on the road.
• Excellent Customer Service: The American Family is known for its excellent customer support, which ensures Instacart drivers can easily get the help they need.

Cons

• Limited Coverage for Non-Gig Drivers: If you’re an Instacart driver using your car for personal use, American Family might not have as many affordable options as insurers focused on gig work.
• Fewer Discounts: They have a few discounts, but not as many as other insurers, so Instacart drivers might miss some chances to save. Read this 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 The Hartford  Insurance Review.
• Low-Cost Options: Starting at just $51/month, The Hartford is a budget-friendly option for Instacart drivers, especially if they need only basic coverage.
• Solid Rideshare Coverage: The Hartford gives specific coverage tailored to gig economy workers, like Instacart drivers, helping them protect while they 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 the Elderly: 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.
• Fair Pricing: Basic coverage starts at just $48/month, making it a good, budget-friendly option for Instacart drivers.
• Protection for Drivers: Travelers’ coverage ensures that Instacart drivers are protected while on the job. Learn more in our Travelers Auto Insurance Review.

Cons

• Limited Customer Support: Some Instacart drivers have reported challenges with customer service, causing them to feel upset when a claim is denied or delayed.
• 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 auto insurance coverage 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.

Auto Insurance Discounts From the Top Providers for Instacart Drivers

Understanding Instacart driver requirements helps you find the right coverage for both personal and delivery driving, ensuring you meet the necessary guidelines while staying protected on the road.

Instacart’s other driver requirements are fairly standard, like being able to lift 50 pounds and having 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 companies before buying auto insurance.

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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 liability 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.

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. For more information, visit Auto Insurance Coverage Options.

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.

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Choosing the Right Auto Insurance for Instacart Drivers

Finding the best auto insurance for Instacart drivers involves striking a balance between cost, coverage, and flexibility. Whether you’re delivering part-time, full-time, or just starting out, the right insurance policy ensures that you’re protected while keeping your expenses manageable.

If you’re a part-time driver, look for policies or add-ons that provide coverage only during delivery hours, helping you avoid paying for unnecessary extras. Full-time drivers, on the other hand, may benefit from 24/7 commercial or hybrid policies that seamlessly combine personal and delivery-related coverage. New drivers should focus on affordable options with gig-friendly features, such as comprehensive rideshare or delivery driver endorsements.

Evaluate your needs and compare plans from top insurers like State Farm or Geico to find affordable, gig-friendly coverage. Furthermore, the right policy ensures peace of mind, financial protection, and compliance—keeping you safe on the road. Use our free quote comparison tool by entering your ZIP code to start shopping now.

Read more: Auto Insurance Coverage: What events are and are not covered by your policy?

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