Yes, you need special insurance to drive for Instacart. Instacart does not provide any insurance coverage, and most personal auto insurance policies will reject claims for damage sustained while you were driving for a delivery or rideshare company.
Many insurance companies offer an inexpensive policy add-on that covers you while driving for a company like Instacart. For instance, State Farm says its rideshare coverage will add about 15%-20% to your premium, and Allstate’s coverage only costs about $30-$120 annually.
Insurance Options for Instacart Drivers
- Purchase rideshare coverage from your personal auto insurance company.
- Switch to an insurance company that offers rideshare coverage.
- Buy a commercial car insurance policy.
Each insurer treats delivery driving differently, so be sure to clarify that you drive for Instacart when shopping for coverage. For instance, some companies will cover driving for Instacart if you purchase a rideshare add-on, while others will require you to buy a separate commercial policy. It’s also important to note that lying to your insurer about whether you are driving for Instacart is insurance fraud and can result in your claim being denied, your policy being dropped, and even criminal charges being filed against you.
For more information, check out WalletHub’s guide to rideshare insurance.
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