Best Car Insurance for Instacart Drivers in 2025 (Top 10 Companies Ranked)

Top Instacart Drivers Pick: State Farm

18,154 reviews

Compare Rates →

4.1

Table of Contents

Toggle

Company Facts

Full Coverage for Instacart Drivers

$120/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Car Insurance Review

18,154 reviews

Compare Rates →

Best Instacart Drivers Tools: Progressive

13,283 reviews

Compare Rates →

4.0

Company Facts

Full Coverage for Instacart Drivers

$135/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Car Insurance Review

13,283 reviews

Compare Rates →

Best Instacart Drivers Rates: Geico

19,116 reviews

Compare Rates →

4.1

Company Facts

Full Coverage for Instacart Drivers

$128/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Car Insurance Review

19,116 reviews

Compare Rates →

State Farm, Progressive, and Geico offer the best car insurance for Instacart drivers, with rates starting as low as $43 per month. State Farm provides accident forgiveness, Progressive offers flexible coverage options, and Geico is the cheapest.

Instacart drivers need a commercial policy to ensure they’re fully covered during deliveries, as personal insurance won’t suffice. Find and compare car insurance quotes from these top providers for your needs.

Our Top 10 Company Picks: Best Instacart Drivers Car Insurance

Insurance Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	17%	B	Rideshare Endorsements	State Farm
	#2	10%	A+	Budgeting Tools	Progressive
	#3	25%	A++	Low Rates	Geico
	#4	25%	A+	Discount Programs	Allstate
	#5	20%	A	Customized Coverage	Farmers
	#6	25%	A	Flexible Policies	Liberty Mutual
	#7	10%	A++	Low Premiums	USAA
	#8	20%	A+	SmartRide Discounts	Nationwide
	#9	25%	A	Competitive Pricing	American Family
	#10	13%	A++	Reliable Coverage	Travelers

Start saving on car insurance by entering your ZIP code to compare quotes for the best car insurance for InstaCart drivers.

#1 – State Farm: Top Overall Pick

Pros

• Bundling Discounts: You can save money by combining multiple policies with State Farm, which will reduce your overall insurance costs.
• Rideshare Insurance: State Farm offers individual rideshare coverage for Instacart drivers and provides adequate coverage while on duty.
• Accident Forgiveness: Drivers with a clean history benefit from accident forgiveness, which prevents a rate hike after a first accident.

Cons

• Limited Availability: State Farm’s rideshare coverage might not be available in all states. Read our State Farm insurance review for more details.
• Higher Premiums for Some Drivers: Drivers with a history of accidents may experience higher rates.

#2 – Progressive: Best for Budgeting Tools

Pros

• Name Your Price Tool: Progressive’s financial planning tool enables you to tailor insurance coverage to suit your budgetary requirements.
• Snapshot Discount: Motorists who utilize Progressive’s Snapshot program can qualify for insurance discounts if they continue to drive safely.
• Accident Repair Advantages: Progressive insurance has one-of-a-kind repair network advantages that help policyholders obtain prompt and affordable repairs.

Cons

• Rate Increases After Claims: Filing a claim with Progressive could result in a noticeable increase in insurance premiums. Get more information in our Progressive insurance review.
• Fewer Local Agents: Progressive primarily operates online, making in-person insurance support less accessible for some drivers.

#3 – Geico: Best for Low Rates

Pros

• Low-Cost Insurance Policies: Geico keeps car insurance rates lower than average for budget-conscious drivers.
• Military Discounts: Active military and veterans are offered special insurance discounts, lowering their premium payments. Explore further in our Geico insurance review.
• Roadside Assistance: Geico’s 24/7 roadside assistance helps immediately with unexpected automobile problems.

Cons

• Few Customization Options: Geico does not provide as many insurance add-ons as other companies, giving policyholders fewer customization options.
• Late Processing of Claims: Some policyholders complain about longer-than-usual insurance claims processing.

#4 – Allstate: Best for Discount Programs

Pros

• Drivewise Rewards: Drivers who enroll in Allstate’s Drivewise program can lower their insurance premiums by driving safely.
• Pay-Per-Mile Insurance: Low-mileage drivers can reduce insurance costs through Allstate’s pay-per-mile pricing structure. Discover more in our Allstate insurance review.
• Multi-Car Discounts: Families or individuals insuring multiple cars with Allstate can receive significant insurance savings.

Cons

• Expensive for High-Risk Drivers: Drivers with prior violations or accidents may see higher-than-average insurance rates.
• Limited Pay-Per-Mile Availability: Not all states support Allstate’s pay-per-mile insurance program, restricting savings options.

#5 – Farmers: Best for Customized Coverage

Pros

• Flexible Policies: Farmers enable policyholders to customize insurance policies with different add-ons for individualized coverage.
• Alternative Fuel Discounts: Electric or hybrid vehicle owners are eligible for exclusive insurance discounts from Farmers.
• Bundling Home and Auto: Homeowners pay less on insurance premiums when they bundle home and auto policies.

Cons

• Higher Initial Premiums: Farmers’ car insurance rates are higher than some competitors. Read our Farmers insurance review for more info.
• Limited Savings for Low-Mileage Drivers: Drivers who rarely use their vehicle may not receive substantial insurance discounts.

#6 – Liberty Mutual: Best for Flexible Coverage

Pros

• RightTrack Savings: Drivers enrolled in Liberty Mutual’s RightTrack program can receive up to 30% off their insurance based on safe driving habits.
• Multi-Policy Insurance Discounts: Customers who bundle auto insurance with home or renters insurance can reduce their overall premium by up to 25%.
• Paperless Billing Incentives: Signing up for digital statements can provide a small but guaranteed insurance discount, lowering monthly costs.

Cons

• Inconsistent Pricing: Liberty Mutual’s insurance premiums fluctuate based on location, driving history, and policy details, leading to unpredictable rates.
• Limited Availability: Some insurance options, like RightTrack’s usage-based discounts, are only offered in select states, restricting eligibility. Explore further details in our Liberty Mutual RightTrack.

#7 – USAA: Best for Low Premiums

Pros

• Specialized Deployment Coverage: USAA provides insurance discounts for deployed military members, including lower rates and vehicle storage savings. Explore further details in our USAA insurance review.
• Accident Forgiveness for Long-Term Members: Policyholders with five years of accident-free driving qualify for USAA’s accident forgiveness, preventing rate increases after a first at-fault accident.
• Extended Rental Reimbursement: Unlike standard policies, USAA covers higher daily rental car costs for members needing a temporary replacement vehicle after an accident.

Cons

• Strict Military Eligibility Requirements: Coverage is only available to active-duty, retired military, and their immediate family members, restricting access to the general public.
• Limited Local Branches for Support: USAA relies primarily on digital and phone services, making in-person claims assistance and policy management less accessible.

#8 – Nationwide: Best for SmartRide Discounts

Pros

• SmartRide Telematics: Nationwide’s usage-based insurance rewards safe drivers with lower premiums based on driving data.
• Accident-Free Savings: Drivers with a clean record can qualify for reduced insurance rates after years without Instacart insurance claims.
• Loyalty Rewards: Long-term Nationwide customers receive additional insurance perks and discounts for policy retention.

Cons

• High Premiums After Accidents: A single at-fault accident can significantly increase insurance costs, according to our Nationwide insurance review.
• SmartRide Availability Varies: Nationwide’s SmartRide program is inaccessible in every state, limiting discount eligibility.

#9 – American Family: Best for Competitive Pricing

Pros

• Low Mileage Discount: Instacart drivers who drive fewer miles per year can qualify for American Family’s specialized insurance savings.
• Steer Into Savings Program: New policyholders switching to American Family may receive insurance discounts for joining.
• Young Driver Perks: Students and younger drivers can benefit from good student discounts on their insurance premiums.

Cons

• Higher Costs for Teen Drivers: Younger drivers with minimal experience may face increased insurance rates. American Family KnowYourDrive program may not be a good option for them.
• Limited High-Risk Driver Options: The American Family may not offer favorable insurance policies for drivers with multiple violations.

#10 – Travelers: Best for Reliable Coverage

Pros

• IntelliDrive Discounts: Travelers’ IntelliDrive program tracks driver habits to offer insurance savings for cautious drivers.
• Early Signing Discount: Policyholders who renew or switch before their insurance expires receive lower rates.
• Continuous Coverage Rewards: Long-term Travelers customers with no coverage lapses benefit from reduced insurance costs.

Cons

• Higher Rates for Older Vehicles: Insurance costs with Travelers may be less competitive for those driving older cars. Our Travelers insurance review provides more details.
• Fewer Customization Features: Travelers offer fewer optional add-ons for insurance policies than some competitors.

Exploring Car Insurance Rates and Coverage for Instacart Drivers

Instacart drivers must have commercial auto insurance because private policies usually don’t cover delivery activities. Commercial insurance monthly rates range from $43, with providers such as Geico adding up depending on location, driving record, and coverage limits.

Instacart Drivers Car Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$52	$140
	$46	$126
	$49	$132
	$48	$128
	$55	$145
	$47	$130
	$50	$135
	$45	$120
	$53	$138
	$43	$125

State Farm offers accident forgiveness, which prevents premium increases after a driver’s first at-fault accident. Progressive provides flexible coverage options, including rideshare endorsements, while Geico is known for its competitive rates and online convenience. What is accident forgiveness coverage? It is an optional policy feature that protects drivers from rate increases after their first at-fault accident, but eligibility and availability vary by insurer.

Progressive stands out for its flexible coverage options, including usage-based insurance programs that can help low-mileage drivers save money. Meanwhile, Geico remains the most affordable provider for many drivers, with consistently low base rates and discounts for bundling policies or maintaining a clean driving record.

Discount Opportunities for Instacart Drivers Across Top Car Insurance Providers

Instacart drivers can benefit from various discounts offered by top insurance providers. Allstate offers discounts for bundling policies, safe driving, and anti-theft devices, while Progressive provides savings for continuous coverage and multi-vehicle policies.

Car Insurance Discounts From the Top Providers for Instacart Drivers

Insurance Company	Available Discounts
	Bundling, Safe Driver, Multi-Policy, Early Signing, Drivewise, New Car, Anti-Theft, Pay-Per-Mile
	Multi-Policy, Steer Into Savings, Good Student, Defensive Driving, Early Signing, Low Mileage
	Multi-Policy, Good Student, Bundling, Safe Driver, Signal Usage-Based, Homeowner, Alternative Fuel Vehicle
	Multi-Vehicle, Bundling, Safe Driver, Good Student, Military, Federal Employee, Anti-Theft, Defensive Driving
	Multi-Policy, Safe Vehicle, Bundling, Paperless Billing, Good Student, New Graduate, RightTrack Usage-Based
	SmartRide Usage-Based, SmartMiles Pay-Per-Mile, Multi-Policy, Accident-Free, Defensive Driving, Good Student
	Multi-Policy, Snapshot Usage-Based, Continuous Insurance, Multi-Vehicle, Good Student, Homeowner
	Bundling, Safe Driver, Multi-Vehicle, Accident-Free, Good Student, Usage-Based (Drive Safe & Save)
	IntelliDrive Usage-Based, Bundling, Multi-Policy, Safe Driver, Continuous Coverage, Early Signing, Homeowner
	Bundling, Safe Driver, Military Affiliation, Multi-Vehicle, Loyalty, Defensive Driving, Good Student

Geico offers discounts for safe drivers, military members, and federal employees and savings for bundling multiple policies. State Farm also provides discounts for safe driving and bundling and a usage-based program called Drive Safe & Save.

Farmers and Liberty Mutual offer discounts for safe vehicles, good students, and policy bundling. Nationwide’s SmartRide and SmartMiles and Travelers’ IntelliDrive provide savings based on driving behavior. Students with strong academic records may qualify for a good student car insurance discount, which many insurers offer to drivers who maintain a high GPA.

Maximizing Instacart Insurance Savings With Advanced Safety Features

Insurance companies factor in vehicle safety features when determining premiums, allowing Instacart drivers to save by using advanced technology in their cars.

Systems like automatic emergency braking, lane departure warnings, and adaptive cruise control lower accident risks, making drivers eligible for insurance discounts.

State Farm offers reductions on vehicles featuring passive restraint devices like airbags and automatic belts that minimize crash injuries. Progressive’s Snapshot plan monitors vehicle driving habits and rewards good driving patterns such as easeful braking and maintaining a consistent speed, providing the possibility for savings on insurance.

Auto Insurance Coverage for Instacart NJ Drivers?
byu/rcnjstudent inInstacartShoppers

Geico provides discounts for vehicles with anti-theft systems, such as engine immobilizers and tracking devices, which reduce the likelihood of theft-related claims. Some insurers, including Nationwide, also offer reduced rates for cars with advanced collision avoidance systems that help prevent rear-end accidents and lane-change crashes.

Best Car Insurance Options for Instacart Delivery Drivers

If you decide to deliver for Instacart, you must be 21 or older and verify you have your state’s minimum car insurance requirements.

Your state may have additional laws related to food delivery car insurance.

Is your personal car insurance policy enough? No. you must buy car insurance known as a commercial car insurance policy.

Below are sample commercial car insurance quotes for food delivery drivers from Progressive. Another great option is Geico commercial auto insurance. You can compare the two companies by visiting our Geico vs. Progressive car insurance guide.

Sample Progressive Instacart Car Insurance Rates

These sample commercial car insurance rates will be on top of your personal policy.

Instacart Commercial Car Insurance Explained

Since Instacart doesn’t provide car, health, personal injury protection, or worker’s compensation, you are pretty much on your own as a contracted 1099 employee.

You are completely on your own if you get in an accident while delivering for Instacart without a commercial insurance policy.

When purchasing your commercial car insurance policy, be sure to have enough coverage for you and your vehicle as well as other drivers and their vehicles. Start by discussing your options for commercial coverage with auto insurance companies.

Getting Into a Car Accident While Delivering for Instacart

If you don’t have proper and sufficient food delivery insurance, you could suffer far more than temporarily being unemployed while your car is in the shop.

Companies that provide personal car insurance for food delivery drivers reserve the right to deny claims to cover injuries and damages if you don’t have a commercial car insurance policy.

Without the proper coverage, you could be sued for all of the costs related to an accident. These costs could climb into the hundreds or thousands of dollars.

In addition, you will need to get car insurance for people with accidents, which will increase your rates. Your car insurance company could also cancel your personal policy. If this happens, your vehicle registration could be revoked, and your driver’s license could be suspended.

It’s just not worth the risk. If you decide to deliver for Instacart, purchase both personal car insurance coverage and a commercial policy for car insurance coverage.

To get affordable car insurance whether it’s personal or commercial, enter your zipcode below to get free quotes from companies in your area.

Case Studies: Instacart Car Insurance Real-Life Scenarios and Risks

For most Instacart shoppers, insurance can be a problem. Personal automobile insurance will typically not pay for accidents during deliveries, so drivers may find themselves footing the bill for repairs or medical expenses if something happens.

Some drivers purchase food delivery car insurance as an additional layer of protection on top of their current policy, while others take advantage of Instacart’s minimal coverage.

Case Study 1: Instacart Delivery Driver

John, an Instacart driver, was on his usual grocery delivery run when he got into an accident. He assumed his car insurance would cover the damages but was shocked that his policy didn’t apply to business use. Now facing hefty repair bills and legal risks, he starts looking into how to cancel your car insurance policy and switch to one that protects him while on the job.

Case Study 2: Inadequate Coverage

As an Instacart driver, Sarah relied on cheap liability car insurance, unaware that it excluded delivery work. After an accident, her claim was denied, leaving her with repair costs and legal risks. This underscores the need for proper coverage for delivery drivers.

Sarah is left with substantial expenses and risks being sued for the costs related to the accident.

Case Study 3: Proper Coverage

Alex is an Instacart delivery driver who understands the importance of having appropriate insurance coverage. He purchases commercial car insurance coverage in addition to his policy. One day, he gets into a minor accident while on a delivery. Thanks to his commercial coverage, Alex’s insurance company covers the damages and injuries, saving him from significant financial burdens.

Key Information on the Best Car Insurance for Instacart Drivers

Getting car insurance as an Instacart shopper isn’t so much about complying with the law as it is about safeguarding yourself against surprise expenses and hassle. Learning about car insurance requirements and selecting providers such as State Farm, Progressive, and Geico can assist in obtaining low-cost commercial policies that keep you insured on delivery runs

Taking the time to compare policies and take advantage of discounts will save you money and keep you covered. A good policy is roadside peace of mind, safeguarding you from claim denials, court cases, and out-of-pocket expenses

Enter your ZIP code into our free tool to find the best car insurance for Instacart drivers.