Best Car Insurance for Instacart Drivers in 2024 (Find the Top 10 Companies Here)
Progressive, State Farm, and Allstate stand out for the best car insurance for Instacart drivers offering flexible coverage options and discounts tailored. For instance, State Farm's plans start at $140 per month. Progressive offers customizable policies, and Allstate provides accident forgiveness.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
UPDATED: Oct 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Oct 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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17,759 reviewsCompany Facts
Full Coverage for Instacart Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
11,413 reviewsCompany Facts
Full Coverage for Instacart Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviewsDiscover the best car insurance for Instacart drivers with providers like Progressive, State Farm, and Allstate starting at $140/mo by State Farm.
Understanding the basic types of auto insurance coverage is crucial for Instacart drivers to ensure they have the right protection while working.
Our Top 10 Company Picks: Best Car Insurance for Instacart Drivers| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 12% | A+ | Flexible Coverage | Progressive |
 | #2 | 17% | B | Wide Availability | State Farm |
 | #3 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #4 | 20% | A | Versatile Options | Farmers |
 | #5 | 15% | A | Rideshare Coverage | Liberty Mutual |
 | #6 | 14% | A+ | Competitive Rates | Nationwide |
 | #7 | 13% | A++ | Rideshare Flexibility | Travelers |
 | #8 | 8% | A+ | Rideshare Friendly | The Hartford |
 | #9 | 20% | A | Flexible Discounts | American Family |
 | #10 | 18% | A++ | Comprehensive Support | Auto-Owners |
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool above to see affordable car insurance quotes.
- Auto insurance is crucial for Instacart drivers
- Progressive, State Farm, and Allstate lead with flexible options
- State Farm rates start at $140/month
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#1 — Progressive: Top Overall Pick
Pros
- Flexible Coverage: Progressive provides flexible coverage, making it one of the best car insurance for Instacart drivers.
- Competitive Bundling Discount: With a 12% bundling discount, Progressive is a top choice for the best car insurance for Instacart drivers.
- Top-Ranked Provider: Progressive offers robust options for Instacart drivers, ensuring comprehensive coverage. Learn more about this Top-Ranked Provider at “Progressive Insurance Review.”
Cons
- Higher Premiums for Young Drivers: Progressive’s rates may be higher for younger drivers, impacting its appeal as the best car insurance for Instacart drivers in this age group.
- Limited Physical Presence: The primarily online model may not meet the needs of Instacart drivers who prefer in-person support.
#2 — State Farm: Best for Wide Availability
Pros
- Wide Availability: State Farm’s extensive availability makes it a solid choice for Instacart drivers in different states who want the best car insurance.
- Generous Bundling Discount: State Farm’s 17% bundling discount helps reduce costs, making it one of the best car insurance for Instacart drivers.
- Extensive Network: State Farm’s large network of local agents and services effectively supports Instacart drivers. Discover more at “State Farm Insurance Review.”
Cons
- Potentially Higher Rates in Some Areas: The insurance costs can vary, which might make it less ideal for all Instacart drivers seeking the best car insurance.
- Complex Online Tools: State Farm’s online platform can be less intuitive, potentially complicating the experience for Instacart drivers seeking straightforward access.
#3 — Allstate: Comprehensive Coverage
Pros
- Comprehensive Coverage: Allstate offers comprehensive coverage, making it one of the best car insurance options for Instacart drivers who need extensive protection.
- Attractive Bundling Discount: With a 25% bundling discount, Allstate stands out as one of the best car insurance for Instacart drivers who want to save on multiple policies.
- Extensive Coverage Options: Allstate’s wide range of coverage options ensures comprehensive protection for Instacart drivers. Explore our article “Allstate Insurance Review.”
Cons
- Higher Costs for Comprehensive Coverage: Comprehensive coverage might be more expensive, affecting its status as the best car insurance.
- Inconsistent Discount Options: The availability of gig worker-specific discounts may be limited, making it less ideal for some Instacart drivers.
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#4 — Farmers: Best for Versatile Options
Pros
- Versatile Options: Farmers provides versatile coverage options, including rideshare-specific coverage, making it one of the best car insurance for Instacart drivers.
- Significant Bundling Discount: Farmers’ 20% bundling discount helps reduce insurance costs, making it a top contender for drivers looking for savings.
- Vital Customer Service: Known for responsive customer service, Farmers supports Instacart drivers with practical assistance. Read more at “Farmers Insurance Review.”
Cons
- Potentially Higher Premiums for High-Risk Drivers: Premiums might be higher for drivers with a history of accidents, impacting its status as the best car insurance.
- Varied Service Quality: Customer service quality can vary by location, potentially affecting its overall suitability as the best car insurance for Instacart drivers.
#5 — Liberty Mutual: Best for Rideshare Coverage
Pros
- Rideshare Coverage: Liberty Mutual’s specialized rideshare coverage makes it one of the best car insurance for Instacart drivers.
- Bundling Discount: The 15% discount helps lower overall insurance costs, positioning Liberty Mutual as a strong choice for the best car insurance.
- Customizable Policies: Liberty Mutual allows extensive policy customization, catering to the specific needs of Instacart drivers. Learn more about “Liberty Mutual Insurance Review.”
Cons
- Higher Premiums for Young Drivers: Rates may be higher for younger drivers, affecting its appeal as the best car insurance for Instacart drivers in this age group.
- Limited Physical Locations: With fewer physical locations, in-person support might be less accessible for some Instacart drivers.
#6 — Nationwide: Best for Competitive Rates
Pros
- Competitive Rates: Nationwide’s competitive rates make it an excellent option for the best car insurance for Instacart drivers looking for affordability.
- Bundling Discount: The 14% discount helps reduce costs, making Nationwide a top choice for the best car insurance for Instacart drivers seeking savings.
- Effective Claims Handling: Nationwide’s efficient claims handling is beneficial for Instacart drivers needing timely support. Read “How do I renew my car insurance policy at Nationwide?.”
Cons
- Fewer Rideshare-Specific Discounts: Nationwide might offer fewer discounts specifically for gig workers, which could impact its status as the best car insurance.
- Limited Local Agents: The network of local agents may not be as extensive, potentially limiting accessibility for some drivers.
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#7 — Travelers: Best for Rideshare Flexibility
Pros
- Rideshare Flexibility: Travelers’ flexible rideshare coverage makes it one of the best car insurance for Instacart drivers.
- Bundling Discount: The 13% discount helps reduce insurance costs, positioning Travelers as a strong option. Read our article “How can I pay my Travelers insurance premium?.”
- Wide Range of Coverage Options: Travelers offers a variety of coverage options to meet the needs of Instacart drivers.
Cons
- Higher Costs for Extensive Coverage: The flexibility and extensive coverage might come at a higher price, affecting its status as the best car insurance.
- Complex Policy Details: The complexity of policy terms might require careful review, potentially complicating the experience for some drivers.
#8 — The Hartford: Best for Rideshare Friendly
Pros
- Rideshare Friendly: The Hartford’s rideshare-friendly coverage makes it one of the best car insurance for Instacart drivers.
- Bundling Discount: The 8% bundling discount helps lower overall insurance costs, making The Hartford a solid choice for the best car insurance for Instacart drivers.
- High Customer Satisfaction: The Hartford is known for high customer satisfaction, ensuring a positive experience for Instacart drivers.
Cons
- Potentially Higher Rates: Rates may be higher for specific drivers, affecting its appeal as the best car insurance. Read our article “How do I renew my car insurance policy with The Hartford?.”
- Limited Gig Worker Discounts: There may be fewer discounts for gig economy workers, impacting its overall value for Instacart drivers.
#9 — American Family: Best for Flexible Discounts
Pros
- Flexible Discounts: The American Family offers flexible discounts that can benefit Instacart drivers, making it one of the best car insurance for Instacart drivers.
- Bundling Discount: The 20% discount helps reduce costs, positioning the American Family as a top choice for the best car insurance for Instacart drivers.
- Comprehensive Coverage Options: They provide a range of coverage options suitable for the diverse needs of Instacart drivers. Discover more at “American Family Insurance Review.”
Cons
- Higher Premiums for Comprehensive Coverage: Comprehensive coverage might be more expensive, potentially affecting its affordability as the best car insurance.
- Variable Customer Service: Service quality can vary depending on location and agent, which might impact its suitability.
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#10 — Auto-Owners: Best for Comprehensive Support
Pros
- Comprehensive Support: Auto-Owners offers extensive support and coverage options, including rideshare protection, making it one of the best car insurance for Instacart drivers.
- Bundling Discount: The 18% discount helps reduce costs, making Auto-Owners a strong contender for the best car insurance for Instacart drivers.
- Excellent Customer Service: Known for high-quality customer service, Auto-Owners ensures responsive support for Instacart drivers.
Cons
- Fewer Gig Worker-Specific Discounts: There may be fewer discounts tailored specifically for gig economy workers, which could affect their status.
- Limited Availability: Auto-Owners may not be available in all states, which could limit options for some Instacart drivers. Explore more about bundling discounts at “Auto-Owners Insurance Review.”
Understanding Auto Insurance for Instacart Drivers
Before we discuss the best auto insurance options for Instacart drivers, let’s first understand what Instacart is and how it works. Instacart is an on-demand grocery delivery service that revolutionized grocery shopping.
With the convenience of placing orders online through their website or app, customers can now have their groceries delivered right to their doorstep without ever leaving their homes.
Instacart Driver Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $90 | $160 |
| $79 | $138 |
| $77 | $135 |
| $82 | $145 |
| $88 | $155 |
| $80 | $142 |
| $85 | $150 |
| $75 | $140 |
| $87 | $152 |
| $83 | $148 |
But how does it work? Once a customer places an order, it is assigned to an Instacart driver. These drivers act as personal shoppers, going to local grocery stores to handpick each item on the customer’s shopping list.
They carefully select the freshest produce, the highest quality meats, and the best brands, ensuring the customer receives exactly what they need.
After the shopping is done, the Instacart driver becomes a delivery driver. They load up their vehicle with groceries and embark on a journey to bring the order to the customer’s doorstep.
Time is of the essence, as customers expect prompt and reliable delivery, ensuring that their groceries arrive in perfect condition. This also applies to ensuring that drivers, especially those new to the job, have the right coverage.
“New Driver Auto Insurance” is crucial for new drivers, as it provides the necessary protection while they gain experience on the road.
The Risks of Driving Without Proper Insurance
Driving without proper insurance coverage can lead to severe consequences. If you are involved in an accident and do not have adequate insurance, you may be personally liable for any damages, medical expenses, or legal fees resulting from the incident.
This can potentially put your financial well-being at risk. Imagine a scenario where you deliver a customer’s groceries, and another driver runs a red light, crashing into your vehicle. The impact is significant, leaving both you and the other driver with injuries.
Instacart Drivers Car Insurance Discounts by Provider| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Drivewise, Anti-Theft, Early Signing, New Car, Good Student, Responsible Payer |
| Drive Program, Multi-Policy, Safe Driver, Good Student, Vehicle Safety, Low Mileage, Early Signing |
| Safe Driver, Multi-Policy, Discount Double Check, Vehicle Safety, Low Mileage, Early Signing, Multi-Car |
| Safe Driver, Multi-Policy, Good Student, Anti-Theft, Defensive Driving, Low Mileage, Bundling, Vehicle Safety |
| Safe Driver, Multi-Policy, Vehicle Safety, New Car, Early Signing, Good Student, Accident-Free, Low Mileage |
| Safe Driver, Multi-Policy, SmartRide, Good Student, Vehicle Safety, Early Signing, Anti-Theft, Low Mileage |
| Snapshot, Multi-Policy, Safe Driver, Good Student, Homeowner, Vehicle Safety, Low Mileage, Continuous Insurance |
| Drive Safe & Save, Multi-Policy, Good Student, Vehicle Safety, Safe Driver, Low Mileage, Early Signing |
| AARP Discounts, Safe Driver, Multi-Policy, Vehicle Safety, Good Student, Anti-Theft, Low Mileage, Early Signing |
| Safe Driver, Multi-Policy, Good Student, Vehicle Safety, Early Signing, Low Mileage, Multi-Car, Homeowner |
Without proper insurance, you may be responsible for covering your medical expenses and potentially the medical costs of the other driver as well. Additionally, you may be liable for the damages to both vehicles and any other property involved in the accident.
Using a telematics device can help reduce these risks by providing detailed driving data that may lower your insurance premiums and protect you in case of an accident.
However, it’s essential to be aware of potential telematics app glitches, which can cause insurance claims to be denied. These technical errors could misreport your driving habits, leading to claim rejections or premium increases.
Top Auto Insurance Options for Instacart Drivers
Now that we understand the importance of having auto insurance coverage as an Instacart driver let’s explore the top insurance options that can provide the protection you need.
As an Instacart driver, you spend a significant amount of time on the road, delivering groceries to customers. This means that you are exposed to various risks, such as accidents, theft, and damage caused by natural disasters.
Having the right auto insurance coverage is crucial to protect yourself and your vehicle from these potential risks. Comparing quotes is the easiest way to find affordable car insurance. Simply enter your ZIP code below into our free comparison tool to see rates in your area.
Comprehensive Coverage Insurance
Comprehensive coverage insurance is an excellent option for Instacart drivers as it covers a wide range of risks, including theft, vandalism, and damage caused by natural disasters.
With comprehensive coverage, you can have peace of mind knowing that your vehicle is protected from various unfortunate situations.
Liability Coverage Insurance
Liability coverage insurance is essential for any driver, including Instacart drivers. This type of coverage protects you against claims made by third parties for property damage or bodily injury resulting from an accident where you are at fault.
Imagine a situation in which you accidentally rear-ended another vehicle while delivering groceries for Instacart. The other driver’s car sustains significant damage, and the driver suffers minor injuries.
Without liability coverage, you would be personally responsible for covering the repair costs of the other vehicle and the medical expenses of the injured driver.
To avoid such financial burdens, consider getting low-cost car insurance with driver discounts. These discounts can help reduce your premiums and provide essential coverage.
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Comparing Auto Insurance Providers for Instacart Drivers
Now that we know the types of insurance coverage needed as an Instacart driver, it’s crucial to compare different insurance providers to find the best one for your specific needs.
When evaluating insurance providers, several factors must be considered. These include the cost of coverage, the provider’s reputation and financial stability, the level of customer service they offer, and their track record in handling claims efficiently and effectively.
Cost is an important factor to consider when choosing an insurance provider. As an Instacart driver, you want to find coverage that fits within your budget. It’s important to compare quotes from different providers to ensure you are getting the best value for your money.
Some insurance providers may offer discounts specifically for gig economy workers, so it’s worth exploring these options. Reputation and financial stability are also crucial factors to consider.
You want to choose an insurance provider with a solid reputation in the industry, that is financially stable. This ensures that they will be able to fulfill their obligations in the event of a claim.
Checking customer reviews and ratings can give you insights into the experiences of other Instacart drivers with different insurance providers.
Customer service is another important aspect to consider. As an Instacart driver, you may have specific questions or concerns related to your coverage. It’s essential to choose an insurance provider that offers excellent customer service and is responsive to your needs.
Additionally, understand what to do when your insurance claim is denied. Having clear guidance and support from your provider can help you navigate and resolve such issues efficiently.
Look for providers that have dedicated customer support for gig economy workers or those who understand the unique challenges faced by drivers in this industry.
How to Save on Auto Insurance as an Instacart Driver
As an Instacart driver, it’s important to manage your expenses effectively. Here is a tip to help you lower your insurance premium and save money:
Taking Advantage of Discounts and Deals
Insurance providers often offer exclusive discounts and deals for gig economy workers. Check with the insurance companies you are considering to see if they have any special offers specifically for Instacart drivers.
Some companies may provide discounts based on your driving history, mileage, or even your affiliation with Instacart.
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Additionally, it’s worth exploring professional organizations or associations that cater to gig economy workers. These groups often negotiate discounted rates with insurance providers on behalf of their members.
By joining such an organization, you may gain access to exclusive insurance deals and additional benefits. To avoid overpaying for your car insurance, enter your ZIP code below in our free comparison tool to find which company has the lowest rates.
Remember, saving on auto insurance is not a one-time effort. As your driving record improves or your circumstances change, it’s crucial to reassess your coverage and explore new opportunities for savings.
Similar to how “What is a preemptive pardon?” refers to proactive legal protection, regularly reviewing your auto insurance allows you to take preemptive steps to secure better rates and coverage before any potential issues arise.
By staying proactive and informed, you can continue to optimize your insurance costs and maximize your earnings as an Instacart driver.
Frequently Asked Questions
What is car insurance for Instacart drivers?
Car insurance for Instacart drivers is a type of coverage specifically designed for individuals who drive for the Instacart platform. It protects against accidents, damages, or injuries while driving for Instacart.
Why do Instacart drivers need car insurance?
Instacart drivers need car insurance because they use their vehicles for work purposes. Personal auto insurance policies typically do not cover accidents or damages while using the car for commercial purposes.
Car insurance ensures that Instacart drivers are adequately protected while on the job. Need the cheapest car insurance possible? Enter your ZIP code below into our free comparison tool to find the most affordable rates for your vehicle.
What does car insurance for Instacart drivers cover?
Car insurance for Instacart drivers typically covers liability for bodily injury and property damage, collision coverage for damages to the driver’s vehicle, comprehensive coverage for non-collision incidents (e.g., theft, vandalism), and uninsured/underinsured motorist coverage.
The specific coverage may vary depending on the insurance provider and policy. For instance, if you’re insured with MAPFRE, you may wonder, “Can I bundle my MAPFRE Insurance Group car insurance with other policies?.”
Bundling can often help streamline your coverage and offer discounts, making it a beneficial option to explore with any provider.
How much does car insurance for Instacart drivers cost?
The cost of car insurance for Instacart drivers can vary depending on factors such as the driver’s age, driving history, location, type of vehicle, coverage limits, and deductibles.
It is recommended to obtain quotes from multiple insurance providers to compare prices and find the most suitable and affordable coverage.
Can Instacart drivers use their auto insurance for coverage?
Using personal auto insurance for coverage while working as an Instacart driver is generally not recommended.
Most personal auto insurance policies exclude commercial use of the vehicle, which means they may not provide coverage in case of accidents or damages that occur while driving for Instacart.
It is essential to check with the insurance provider to understand the policy’s limitations. Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
Is Instacart’s commercial insurance enough?
Enter your ZIP code below to compare cheap insurance rates.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.