Publix Food Delivery Auto Insurance for 2022

Want to buy Publix food delivery car insurance? Publix food delivery auto insurance is extra commercial coverage. As Publix uses Instacart to deliver their food, you'll need to comply with Instacart's auto insurance requirements for delivering food for them.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Apr 26, 2022

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What You Should Know

  • Publix delivery is powered by Instacart, and Instacart requires its drivers to purchase additional auto insurance coverage.
  • Your personal auto insurance will not cover damages that occur while you’re delivering food.
  • Adding commercial insurance can raise the amount you spend on auto insurance by 180 percent.

Wanting to buy Publix food delivery car insurance? Publix food delivery auto insurance is extra commercial coverage. As Publix uses Instacart to deliver their food, you’ll need to comply with Instacart’s auto insurance requirements for delivering food for them. 

When you get a commercial policy, your auto insurance rates will increase. Progressive quotes Publix food delivery car insurance rates at $296.83/mo for a personal and commercial auto insurance policy. Learn more about affordable Publix food delivery car insurance now.

Publix food delivery service is now “powered by Instacart,” according to its website. That means that delivering for Publix requires the same auto insurance as Instacart does. Important information if you’re interested in Publix food delivery jobs.

Publix food delivery auto insurance is pretty important to its drivers. As with other food delivery drivers, your personal auto insurance policy just won’t cut it. You’ll need to get extra commercial insurance to be covered while working for on-demand delivery services. Finding auto insurance quotes online doesn’t have to be hard.

Do you need extra auto insurance to deliver food?

Publix grocery delivery and curbside pickup are run through Instacart. So, do you need car insurance for Instacart as well?

The fact is: You need special insurance to be a delivery driver.

In addition to your personal lines insurance, as an Instacart driver, you must get your own commercial insurance policy. Instacart’s terms for its independent contractors state that you are responsible for your own auto insurance coverage and for making sure it meets all legal requirements, including commercial liability insurance.

You can see sample quotes below from Progressive for commercial business insurance and your personal auto insurance policy.

Progressive Average Food Delivery Driver Auto Insurance Rates
Type of Auto InsuranceProgressive Average Monthly RatesIncrease Over Personal-Only Average Auto Insurance Rates
Personal insurance (no delivery)$105.83n/a
Personal insurance (delivery)Not coveredNot covered
Food delivery (business & personal)$296.83180.47%
Food delivery (Business only)$273.08158.03%
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Why don’t delivery services cover accidents under your personal policy? Well, the U.S. Bureau of Labor Statistics reports that delivery driver is actually the fourth most dangerous job in the U.S. For auto insurance companies, that means assuming a higher risk when insuring you.

This video from Travelers Insurance goes over commercial insurance coverage.

You can get this type of coverage from most major insurers, including Geico and State Farm food delivery insurance.

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How does Publix delivery work?

Publix food delivery drivers need auto insurance. If you want a same-day grocery delivery, you’ll want to turn to Publix Instacart delivery. But how does it work? Is there Publix food delivery near me? If you’re looking for Publix food delivery in West Palm Beach or anywhere else, enter your ZIP into the designated area on their site to learn what Publix location is available near you.

First, you’ll need to go to and find your local store. You can also use the Publix food delivery app. Then, you will:

  • Pick out your groceries and add them to your cart.
  • Schedule your delivery for the date and time that works best for you.
  • Get your delivery.

How much do you have to buy? What does Publix’s food delivery cost? Your orders must be at least $10 to qualify for delivery — you can’t just order a packet of BOGO chips and get it delivered.

You need to make sure your vehicle is covered for your deliveries as well as your personal errands. But don’t worry, you can find inexpensive commercial auto insurance. We can help. Enter your ZIP code and get FREE quotes from multiple insurers to ensure you get the best Publix food delivery car insurance rates.

Publix Food Delivery Auto Insurance: The Bottom Line

Hopefully, this Publix food delivery review was helpful for you. Is there something else you need to know? Take a look at the common questions below.

With Instacart, you can pay a yearly membership fee which grants you unlimited delivery over $35, instead of paying the fee for each online order. This Instacart Express membership is $99 per year.

If you choose to pay for each delivery, the delivery fee begins at three dollars. Depending on when your order is placed, you may also have to pay a surcharge for a busy time. Additionally, they also offer same day delivery for Publix customers.

Your Publix curbside pickup is free to customers, but you’ll have to meet a set order minimum. There are also markups on many items through Instacart to help offset the Publix fee charged by Instacart.


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