Should you use grocery delivery on a budget? Read my honest experience with 3 delivery options, plus all my tips for getting the most for your money!

Grocery delivery services can be an incredible tool for busy families, but is it a good idea for those who are working within a real food budget?
Of course, we’d all love the convenience of not going to the grocery store, but all conveniences come with a cost. When you have a food budget, it’s important to do your research and crunch the numbers to see if this convenience is costing you MORE money than if you had gone shopping yourself.
I’ve tested a few different grocery delivery services, and here’s how I think you can strike a balance between the two, taking advantage of the convenience AND saving money at the same time.
Let’s look at the best grocery delivery services!
SAVING MONEY USING GROCERY DELIVERY
Instacart is probably the most well-known grocery delivery service, but Shipt and DoorDash offer grocery delivery too.
In fact, most grocery stores DON’T offer their own personal shoppers and delivery service – using their own vehicles and their own drivers – but use one of the above services instead.
So essentially when you choose “grocery store delivery” at local grocers like ALDI or Kroger or Costco or Safeway, Instacart is the company that shows up at your front door.

MY EXPERIENCE USING KROGER GROCERY STORE DELIVERY
Anytime I order groceries online, I price compare to similar stores to make sure I’m getting the best deal possible. The same applied when I was using Kroger’s grocery delivery services. I had one tab open for Kroger, one tab open for Walmart, and another tab open for Instacart.
I added the same items to all three carts, and I was VERY surprised to see who had the best deals between the three shops!
First, let me break down the fees associated with Kroger delivery – shopping at Kroger.com – and fulfilled via Instacart App.
- Delivery Fee: $9.95
- Delivery Tip: $2 (adjustable)
- Total: $11.95
That means that unless you are using some type of promotion that allows free shipping, you’re paying a minimum of $11.95 just for the convenience of having your groceries delivered.
This does NOT take into account the possible higher cost of groceries when using online delivery (more on that in a minute).
Next, let me share the items I put into each cart:
- 1 Italian loaf of bread
- 20-count tortillas
- 1 bag of coleslaw
- 1 lemon
- 1 pound of medium shrimp
- 1 bunch of cilantro
- 1 bunch of green onions
- 1 mango
- 1 head of red cabbage
- 1 bunch of radishes
- 1 lime
- 1 pound of asparagus
Altogether, these items cost $24.40 when I made my purchase at Kroger.com.

MY EXPERIENCE USING WALMART GROCERY DELIVERY
Walmart grocery delivery is similar to Kroger, in that you “shop” at Walmart.com but Instacart is the company that actually brings your groceries to your home from Walmart stores.
- Delivery Fee: $9.99
- Service Fee: $3 (reduced to $1 if you spend $75+)
- Delivery Tip: $2 (adjustable)
- Total: $14.99
Just like Kroger, you are going to spend nearly $15 for the convenience of having someone deliver groceries to you versus going to the store and shopping yourself.
My total for the same items I put in my Kroger cart came to $23.12.

MY EXPERIENCE USING INSTACART TO DELIVER GROCERIES
- Delivery Fee: $7.95
- Delivery Tip: $7 (not adjustable)
- Total $14.95
As you can see, there’s a trend. Using grocery delivery – regardless of what store you use – will come with a delivery fee and required delivery tip. If you use Instacart, your fees will be at least $14.95.
Note: You may get around the delivery fee if you’re a new customer or if a store is running a promotion for first online pickup or delivery, but it’s best to assume that you will have to pay the fee if you’re calculating whether or not it’s worth the cost to use the grocery delivery service.
My total for the same list of groceries I put in my Kroger.com cart and my Walmart.com cart came to $24.75 on Instacart.

MY EXPERIENCE USING AMAZON FRESH STORE
If you thought getting your pantry staples from Prime Pantry was cool, Amazon kicks it up a notch with Amazon Fresh. You can have fresh produce and groceries delivered to your door!
This perk is only available in select areas. You can see if it’s available in your area and what types of items are available on this page. Some areas even have flash delivery, with a quicker fulfillment time.
They have weekly deals, for more savings! If they deliver to your area, Prime Fresh could have competitive prices with your grocery store giving you the lowest selling price!
What makes Amazon Fresh worth it though, in my opinion, is that there are no other fees involved. If you’re already paying for your yearly Amazon Prime membership (or using the free 30-day trial), then why pay the extra fees by shopping elsewhere?
Update: It looks like Amazon has recently changed the terms to a free 30-day trial before a monthly charge. I still think it’s worth trying for the free 30 days if you enjoy the convenience of food delivery. After the trial period, it’s worth breaking down the cost of food on Amazon + the monthly charge and then comparing this to other online grocery delivery sites.
BEST OPTIONS TO DELIVER GROCERY ITEMS
Let me summarize the totals for each of the three options to deliver grocery items that I was shopping from:
- Kroger: $24.40 (groceries) + $11.95 (fees) = $36.35
- Walmart: $23.12 (groceries) + $14.99 (fees) = $38.11
- Instacart.com (shopping from Kroger): $24.75 (groceries) + $14.95 (fees) = $39.70
The totals completely surprised me!
The cost of groceries alone was the cheapest at Walmart, but there was only a difference of $1.63 between the most affordable and most expensive store before fees.
Walmart’s fees were higher, which allowed Kroger.com to sneak in and take the victory with the smallest total of $36.35, $3.35 less than the most expensive option of shopping at Instacart.com and choosing Kroger as my store to shop at.

BEFORE YOU USE DELIVERY GROCERY STORE SERVICES
There are many grocery stores that deliver these days, and I can’t possibly test grocery delivery for every store, but I do want to share some things I found during my research.
First, some stores raise their prices when you shop online versus if you shop in the store. My friend Katie experienced this when she recently used Costco’s grocery delivery, which is fulfilled by Instacart.
Using an imaginary shopping list as an example, let’s say she bought apples, coffee, and oatmeal. If she went to Costco, the prices would be $8.99, $10.99, and $7.99 respectively. But when she shops online via Instacart, the prices for each item are $9.99, $11.99, and $8.99 – a full $1 more for EACH item.
I saw a similar warning in a pop-up when I tried to order Target groceries through DoorDash. The warning specifically said, “Prices are higher than in-store prices for this location.” Also, any in-store promotions did not apply to online orders.
This isn’t the case for every store, but it IS the case for some, which means you either need to be familiar with the store prices already or physically visit the store at least once or twice to get a good idea of what items typically cost and then compare those prices to the delivery grocery store prices listed online.
Pricing can also vary depending on which categories you shop in such as deli, bakery, household items, etc.
PROS OF USING GROCERY DELIVERY SERVICE
- No impulse buying (which helps reduce food waste)
- Easy to get everything on your ingredients list
- Don’t have to get dressed to go shopping
- Don’t have to use gas to get to the store
- Can have multiple stores delivered at one time
- Useful for busy schedules
CONS TO HOME GROCERY DELIVERY SERVICES
- Have to make sure your list is 100% complete because you won’t be reminded by walking by items in the store.
- There might be a minimum order requirement or a minimum purchase amount.
- You are limited to a single transaction and most often cannot make order changes.
- You CANNOT use loyalty cards, paper coupons, or digital coupons when you use grocery delivery.
- It costs $12-15 per delivery. For a weekly trip, that comes out to $624 for one year – in fees alone.
- Not all services are available in all areas.
You may also have some delivery quality issues with your grocery delivery order. Here is my experience from this past week. I received:
- wrong butter (salted, instead of unsalted)
- a tomato (didn’t order, LOL)
- 5 reminder text messages about out-of-stock foods and what to do about them while I was in a meeting at the kids’ school (good that they ask… bad that they ask…)
- And while I didn’t experience pricing errors, I did notice some prices online were more expensive than in-store (saw prices in the weekly ad)
- Plus, they didn’t have select menu items I knew were available (coconut milk)
HOW TO SAVE MONEY USING THE BEST GROCERY DELIVERY SERVICES
- Sign up in the mobile app as a new user for perks, like free delivery for DoorDash.
- Refer friends to earn rewards that offset the cost of your grocery delivery.
- Choose “no rush” at checkout to save a few dollars.
- Meet the minimum required for free shipping (if available). Consider stocking up on a few non-perishable items that you eat often, like canned tomatoes or pasta or cereal, or ask a neighbor if they need anything.
- Sign up for a yearly membership or annual subscription, if you’ll use the service often enough to pay for it (crunch the numbers first!)
- Choose a delivery time that costs less. I was able to save a couple of dollars by choosing a very early delivery time frame. No one has to be present for the delivery, so you can save a little bit in fees there.
Update: Some grocery stores have their own delivery services now. Kroger plus members can pay a membership fee that includes delivery along with additional coupons. And Walmart+ gives you unlimited free delivery. It’s worth looking into if you plan on using contactless delivery services often.
GROCERY DELIVERY FAQS
What is the cheapest grocery delivery?
This will depend on a lot of things – what stores you have available, the prices and fees, and how quickly you need your items, just to name a few. However, you can test out the home grocery delivery options to choose what might be cheapest for you.
Is the best online grocery shopping, grocery delivery, or grocery pickup orders?
You’ll have to weigh your options and balance saving money with saving time, as well as what is available in your area. Read more about the best online grocery shopping here and my honest review of Walmart grocery pick-up here.
What are the best grocery delivery services for allergy-friendly diets?
The ones you have in your area! Since grocery delivery comes directly from the stores around you, if you have allergy-friendly snacks and products locally, you can get them delivered! If you have a hard time finding what you need locally, you may want to look into ordering groceries online.
IS GROCERY DELIVERY WORTH IT?
I enjoyed using grocery delivery. It was VERY convenient, especially for large orders, and it was one less thing to do on a weekend. I placed my online grocery order over the course of a couple of days, set my delivery day for early Saturday morning, and woke to groceries on my porch. It was nice knowing I didn’t have to go shopping that day!
I intentionally used grocery delivery for a very large order as I was getting ready to shoot MANY pictures for the blog (including seafood). If I use the service again, I’d likely only use it for this purpose. I don’t plan on using grocery store delivery as a normal weekly service.
I love the idea of shopping online, but I think using grocery pick-up is the better option. You can use loyalty cards, paper coupons, and digital coupons at almost every store for pickup purchases. Plus, most stores offer grocery pick-up for free, so you aren’t paying delivery fees or delivery tips.

MORE HONEST REVIEWS FOR GROCERY SHOPPING
- Online Grocery Shopping
- Butcher Box Review
- Walmart Grocery Pickup
- My Honest Thrive Market Review
- My Honest Farmbox Direct Review

Because of health issues, my sister and I use Instacart weekly. Our orders are always over $35.00, so delivery is free, as is the pickup option. We earn 5% credit toward our next order with the pickup option, which is an incentive for us to get out of the house and save a small amount of money. Aldi is 5 minutes away from home, so we’re not wasting gas.
We’ve had more positive shopping experiences than negative. When we have frozen foods in the cart, I have to ask the shopper to shop for those last; otherwise, sometimes, we end up with thawed food. I’m surprised how many people don’t know to shop for frozen foods before checking out.
Also, when you click on an item to put in your cart, scroll down to the bottom of the page, and usually on the left side of the screen, find the option to replace the item if need be. You can click a box to pick your replacement item or click on “don’t replace this item.” Mostly “don’t replace…” works for us, although once in a while, we get a shopper who will ask every time they can’t find an item.
A few times, we ended up with groceries we didn’t order, one time six additional items. When I called Instacart and offered to pay for the groceries (all fruits and veggies), they declined and stated it was their policy to reimburse the other customer who didn’t get their groceries. The Instacart rep suggested we enjoy the bonus groceries or donate them.
All in all, we have been pleased with Instacart shopping.