Publix Food Delivery Auto Insurance: Rates & Requirements (2025)

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. (For more information, read our “Food Truck Auto Insurance: Rates & Requirements“).

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.

Read more: Instacart Auto Insurance: Rates & Requirements

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
• Geico
• 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.