Publix Food Delivery Auto Insurance: Requirements & Rates for 2021

Publix doesn’t employ delivery drivers. Instead, Publix partners with Instacart to offer grocery delivery to its customers, which means you don’t need Publix food delivery auto insurance. Instacart determines the Publix food delivery car insurance requirements. Publix delivery works by connecting customers with Instacart full-service shoppers through the Publix delivery app. To be protected while delivering for Publix through Instacart, you’ll need personal and commercial car insurance.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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  • Publix partners with Instacart to offer grocery delivery to its customers
  • Instacart full-service shoppers must be at least 18, pass a background check, have access to a vehicle, and have a valid driver’s license
  • Instacart full-service shoppers will need to buy their own insurance coverage because neither Instacart nor Publix offers it to their delivery drivers

As a delivery driver, there are several things you need to know about auto insurance, and if you’re looking to deliver for Publix, you may have some extra questions.

Are there car accident and automobile injury resources for delivery drivers? How does Publix delivery work? Does Publix employ delivery drivers, or does the company partner with a third-party service? Can you buy Publix food delivery auto insurance? How much are average Publix food delivery auto insurance rates?

If you’re wondering how Publix food delivery auto insurance works, you’ve come to the right place. Read this article for more.

If you’re ready to start shopping for auto insurance for Publix food delivery drivers, enter your ZIP code in the free tool on this page to start comparing car insurance rates today.

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

Publix doesn’t define any auto insurance requirements for delivery drivers because the company doesn’t employ delivery drivers. Instead, Publix partners with Instacart to offer grocery delivery through the Publix delivery app. Instacart delivery drivers (referred to as full-service shoppers) must meet the following requirements:

  • Be 18 or older
  • Have a valid driver’s license
  • Have regular access to a vehicle
  • Have a compatible smartphone
  • Pass a background check

You’ll notice nothing in this list about car insurance, and it’s also important to note that Instacart doesn’t offer auto insurance to its full-service shoppers.

Since Instacart doesn’t have specific insurance requirements for its full-service shoppers, do you have to have car insurance to be a delivery driver? You’re required to have at least minimum liability coverage that meets the limits set by your state to get behind the wheel of any vehicle, regardless of the reason.

However, this minimum liability coverage (and whatever other car insurance coverage you may have) may not protect you when you’re delivering for Publix through Instacart. Why? Because most personal policies don’t include coverage for when you use your vehicle for business. For that, you’ll need a commercial auto insurance policy.

According to Crosley Law, delivery drivers are significantly more likely to face accidents and vehicle fatalities than other occupations, so delivery drivers must get the right coverage.

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Where can you get Publix food delivery driver auto insurance?

Fortunately, commercial coverage is a common insurance product and is sold by most major insurance companies. The downside to buying a commercial policy can be the price. On average, your monthly rates will increase by $150 with a commercial policy.

We know this is expensive, but not to worry, there are ways to save. The delivery driver add-on is a more affordable Publix food delivery auto insurance option that may be available. Not all insurance companies offer this coverage, but you can ask your agent about whether it’s available to you. Some of the insurers that do offer it include:

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

Another way to save on your rates is to comparison shop. You should get at least three different Instacart and Publix food delivery auto insurance quotes to make sure you’re getting the most out of your policy.

Publix Food Delivery Auto Insurance: The Bottom Line

Rather than maintaining an in-house staff of delivery drivers, Publix partners with Instacart to deliver groceries to customers. Instacart doesn’t have a specific insurance requirement for its full-service shoppers, but it does require them to use their own vehicles.

Since full-service shoppers use personal vehicles to deliver, and Instacart doesn’t sell or offer car insurance to its delivery drivers, they’re responsible for purchasing their own coverage. But a personal policy alone won’t be enough. Delivery drivers should buy a commercial policy or a delivery driver add-on to have the right protection.

Before you go, take a moment to enter your ZIP code in our free tool to start comparing auto insurance rates for Publix food delivery drivers right now.

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Enter your ZIP code below to compare cheap insurance rates.

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