GrubHub Insurance (Rates & Requirements)

If you are looking for food delivery, GrubHub is among the most popular options in many areas of the U.S. Grubhub helps individuals purchase food and other goods and then delivers them directly to their homes. And plenty of people are considering starting a career with GrubHub in the food delivery business.

But if you want to drive with GrubHub, there are a few things you need to know about auto insurance coverage requirements as a delivery driver. Of course, not every car insurance coverage option will work for you, but you have plenty of options.

Does GrubHub provide auto insurance?

While GrubHub employment requires its drivers to carry car insurance, the company does not provide auto insurance coverage. 

Some delivery companies offer their employees commercial auto insurance coverage when they’re on the job, but GrubHub insurance requirements dictate that employees must find coverage independently.

You must meet the following requirements to work for the company:

• Be 19 years of age or older
• Have a valid U.S. driver’s license
• Have a vehicle or bicycle (in certain areas)
• Carry auto insurance
• Have an up-to-date smartphone

GrubHub car requirements and additional requirements are not very stringent. But while GrubHub vehicle requirements are not demanding, you will still need to figure out the right auto insurance coverage on your own.

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How much car insurance do GrubHub drivers need?

Requirements for GrubHub include carrying your state’s minimum liability insurance. While it’s wise to carry additional coverage to ensure you have protection for yourself and your vehicle, this is not something the company requires. 

The liability coverage you need to purchase will depend on where you live. Each state has individual requirements for both property damage and bodily injury liability. The table below shows the different requirements in each state.

Some states require additional coverage, such as personal injury protection (PIP), medical payments (MedPay), and uninsured or underinsured motorist coverage. 

How much does GrubHub car insurance cost?

The amount of money you pay for auto insurance as a GrubHub driver will depend on many different factors, including the following:

• Age
• Gender
• Marital status
• Car make and model
• ZIP code
• Occupation
• Driving record
• Credit history
• Level of coverage

If you only carry liability coverage, your insurance rates will be lower than those associated with a full coverage policy that includes collision and comprehensive coverage. But the extra protection may be worth the investment.

The only way you will know how much you will end up paying for coverage is to shop online and compare quotes from several companies near you. 

The table below shows the average rates for car insurance that delivery drivers pay based on their careers.

A personal insurance policy often costs much less than a policy that includes more coverage. But as the table indicates, most insurance policies that don’t have a commercial element will not cover work-related accidents.

Do I need rideshare insurance to drive for GrubHub?

As a GrubHub driver, you may want to consider a commercial insurance policy. But a commercial policy may not be worth the cost if you don’t work full time. 

GrubHub delivery drivers could pay as much as $2,400 annually for commercial insurance. But if you only work for GrubHub part-time, you may want to consider purchasing rideshare insurance or adding a rideshare plan to your insurance policy.

Rideshare coverage offers additional protection when you’re working as a delivery driver. Your personal insurance policy will cover you if you’re in an accident or if your car is otherwise damaged while you’re making a delivery.

If you don’t purchase rideshare coverage, there’s a chance your insurance will not cover you if you’re in an accident while working for GrubHub. Most policies have exclusions when driving your car for work purposes, so you must notify your insurance company that you work for GrubHub and ensure you’re covered.

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Can I find cheap car insurance as a GrubHub driver?

The best way to find cheap auto insurance as a GrubHub driver is to shop online and compare quotes from insurance providers in your area. Unless you compare rates from different companies, you’ll never know how much you will pay for coverage. 

As you shop for coverage, ask companies whether you qualify for discounts that would help you save on your monthly or annual rates. And be sure to ask whether you will be covered as a GrubHub driver with a personal policy or if you need rideshare coverage or commercial coverage to maintain proper protection.

GrubHub Car Insurance: The Bottom Line

There is no such thing as GrubHub insurance, but If you are a delivery driver for GrubHub, you will need proper coverage. The company only requires that you carry your state’s requirements for liability insurance, but you should consider purchasing additional coverage. 

Anyone working for GrubHub full-time may need commercial coverage, but you should consider purchasing rideshare insurance if you only work for the company part-time.

Shop for coverage with several companies in your area to determine which insurer will offer you the coverage you need as a GrubHub driver at a rate that works with your budget.

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