Publix Food Delivery Auto Insurance: Rates & Requirements (2021)

Publix food delivery auto insurance isn’t available through Publix, so you won’t be able to buy Publix food delivery auto insurance. Publix doesn’t maintain a staff of delivery drivers. Instead, the company partners with Instacart drivers to provide grocery delivery to customers. As an Instacart delivery driver, you’ll need minimum car insurance coverage to drive legally and commercial coverage or a delivery driver add-on to have protection when you’re out on delivery.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • Publix offers grocery delivery to its customers through Instacart
  • Instacart shoppers can either work as full-service shoppers or in-store shoppers
  • In-store shoppers don’t drive, but full-service shoppers do
  • Full-service shoppers must have access to a vehicle, a valid driver’s license, pass a background check, and be at least 18

Can you buy Publix food delivery auto insurance? How does Publix food delivery car insurance work? How much are auto insurance rates for Publix delivery drivers? Does Publix partner with Instacart for food delivery? If so, how does Instacart work? Read this article to find out.

Before you read through the following Publix food delivery auto insurance facts, use your ZIP code in the free tool on this page to start comparing rates for Instacart delivery drivers today.

What kind of auto insurance do you need as a Publix food delivery driver?

Publix partners with Intsacart to offer grocery delivery to customers, which means delivery drivers aren’t employed by Publix but by Instacart.

Instacart jobs are one way to make some extra money, and Instacart reviews from current employees suggest it’s a good option because you’re independent and can set your own schedule. As an Instacart driver (full-service shopper), you’ll be required to meet the following requirements:

  • Be at least 18
  • Have a valid driver’s license
  • Have access to a regular vehicle
  • Have a compatible smartphone
  • Be able to pass a background check

So do you need food delivery auto insurance as an Instacart driver? The short answer is yes (even though it’s not listed), but you won’t get it through Instacart. Instead, you’ll need to buy your own coverage.

So why is it so important that you have the right car insurance as a delivery driver? Crosley Law reports that delivery drivers face higher accident and driver fatality rates on the road than other occupations. Keep reading to find out what you need.

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Where can you get delivery driver auto insurance?

You’ll need to maintain at least minimum coverage limits because those are required to drive legally. But most personal insurance policies don’t cover you when you’re working as a delivery driver. For that, you need commercial auto insurance.

Commercial auto insurance can be added to your personal policy to make sure you have that coverage.

You can get commercial policies through most major insurance companies, but this can get expensive. On average, you’ll see an increase of $150 per month on your Instacart Publix food delivery auto insurance rates with a commercial policy.

One way to get more affordable Publix food delivery auto insurance as an Instacart driver is to ask about a delivery driver add-on, which can take the place of a full commercial policy. Companies that offer this include:

  • Crump Property & Casualty
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

You can also compare Publix food delivery auto insurance quotes to save on insurance as an Instacart driver.

Publix Food Delivery Auto Insurance: The Bottom Line

Publix food delivery is provided through Instacart. To legally drive for Instacart, you’ll need coverage that meets the minimum limits set by your state. Still, you’ll also need commercial coverage or a food delivery add-on to your personal policy to make sure you’re protected when you’re working.

Now that you’ve read our Publix food delivery auto insurance overview enter your ZIP code in the free tool on this page to start comparing quotes from auto insurance companies in your area today.

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