Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 16, 2020

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Things to Remember

  • Purchasing auto insurance is a prerequisite for delivery partners to work for GrubHub.
  • Drivers must make sure their insurance policy covers business use.
  • GrubHub drivers should not file an accident claim and state that their car was engaged in personal use when it was being used for business.

As a GrubHub driver, you won’t find specific GrubHub auto insurance. GrubHub does not sell insurance. You will need your own personal or commercial auto insurance policy.

GrubHub’s flexible scheduling could help you earn good money. Although you can’t get insurance directly through them, you can work with GrubHub and figure out how you can be covered through business auto insurance.

We understand that you may still have questions. “Do food delivery drivers need special insurance?” “How does GrubHub work for drivers?” “What insurance do I need for delivering food?” The following link will help you learn more about food delivery auto insurance, and this article in particular will discuss GrubHub insurance and what you’ll need to stay covered.

Start comparing auto insurance rates with our free comparison tool. Just enter your ZIP code above.

How to drive for GrubHub

Auto insurance companies have coverage policies designed specifically for delivery drivers. If you want to drive for GrubHub, you’ll need on-demand delivery insurance, otherwise known as commercial coverage.

Contact your insurance provider and let them know you’re a GrubHub driver. A GrubHub representative will need a copy of your policy to see if you carry the minimum requirements for auto insurance and to ensure you’re licensed to drive.

Does GrubHub provide auto insurance?

Do you need insurance for GrubHub’s employment requirements? GrubHub driver requirements dictate that you must have your state’s minimum requirements for auto insurance. You must also upload your insurance to GrubHub to give them a copy of your most recent policy.

There are no GrubHub auto insurance quotes  because GrubHub doesn’t provide auto insurance coverage for its drivers. Drivers are solely responsible for insuring their vehicles. However, many auto insurance companies offer unique coverage options for those using their vehicle for food deliveries.

If you recently purchased auto insurance, let your provider know that you’re enrolled in GrubHub.

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GrubHub Delivery Drivers and Accidents

Accidents do happen when delivery cars and trucks take to the road. Drivers rush to reach their destination, and sometimes speed or otherwise drive hazardously.

Drivers could be distracted in many ways when delivering food. Perhaps the phone goes off, or packaged food slides across the passenger seat. That’s why these independent contractors often wonder, “Do you need special insurance for GrubHub?” and “What kind of insurance do you need for GrubHub?”

No driver can predict whether an accident turns out to be a minor one or a complete disaster. This is why delivery drivers for GrubHub and other companies need the right food delivery auto insurance.

Whether that policy is something general like an on-demand delivery insurance policy or you want to be more specific, such as a State Farm pizza delivery insurance, is ultimately the independent contractor’s decision.

GrubHub Vehicle Requirements

Food delivery without insurance can bring serious consequences if you’re in an accident without insurance. GrubHub drivers will need the minimum requirements for insurance according to the state where they live.

According to the Insurance Information Institute, every state has a unique minimum requirement. Some requirements are similar, but they all have significant or subtle differences.

Two essential coverages that GrubHub delivery drivers must know about are auto liability and collision insurance. Always keep an eye out for  GrubHub insurance updates.

GrubHub Driver Insurance and Auto Liability Insurance Coverage

Vehicle requirements for GrubHub are liability auto insurance coverage, which protects the driver from the financial consequences of causing an accident. Purchasing liability protection is mandated throughout the vast majority of the United States. Without auto liability insurance in place, an at-fault driver would bear the brunt of a judgment.

Additionally, the people injured or the owners of property damaged by the driver would not receive any financial compensation if they were unable to pay.

If you have ever been curious to know what rates look like for major delivery services, the following table shows data for Doordash insurance, UberEats insurance, or Postmates insurance. These figures also include data pulled from a GrubHub insurance policy through the GrubHub insurance document upload field.

Average Auto Insurance Rates for Food Delivery Drivers
Type of Food DeliveryAverage Monthly RatesAverage Six-Month RatesAverage Annual Rates
Personal Insurance (No Delivery)$105.83$635.00$1,270.00
Catering
(Just Biz)
$216.92$1,301.50$2,603.00
Catering
(Biz/Personal)
$235.08$1,410.50$2,821.00
Food Delivery
(Just Biz)
$273.08$1,638.50$3,277.00
Pizza Delivery
(Just Biz)
$273.08$1,638.50$3,277.00
Food Delivery (Biz/Personal)$296.83$1,781.00$3,562.00
Pizza Delivery (Biz/Personal)$296.83$1,781.00$3,562.00
Food Truck
(Just Biz)
$434.42$2,606.50$5,213.00
Food Truck (Biz/Personal)$763.25$4,579.50$9,159.00
Personal Insurance (Delivery)Won't CoverWon't CoverWon't Cover
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To maximize financial protections, the driver does need a proper amount of insurance. State-mandated minimums are usually very low.

With the right effort, a driver can purchase hundreds of thousands of dollars in auto liability protection for a very reasonable rate. Comparison shopping helps the cause of finding affordable GrubHub auto insurance coverage.

The average charge for commercial coverage during food delivery is $273.08 each month, so GrubHub delivery drivers should keep that in mind when comparing providers.

Find cheap auto insurance right now by entering your ZIP code in the FREE comparison tool.

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GrubHub Insurance Coverage and Collision Insurance

As a delivery driver, you do run the risk of damaging or totaling your vehicle. Collision insurance coverage, like liability insurance, covers losses associated with accidents. The main difference is collision insurance coverage pays for the damage you cause to your car.

Unlike liability insurance, state mandates do not exist with collision insurance. Collision insurance is considered optional coverage.

Purchasing collision insurance allows for recovering losses when you must pay for significant repairs.

The coverage may also compensate you for a total loss if the vehicle ends up destroyed after a collision.

Comparison shopping may lead to acquiring collision insurance at a cheaper rate. The coverage can offset any damages to a vehicle minus the deductible.

Thankfully, for the driver, GrubHub’s corporate policy addresses auto insurance. New hires must follow the company’s rules regarding insurance.

GrubHub Auto Insurance and How it Impacts GrubHub’s Rules

GrubHub maintains requirements when hiring delivery drivers. The company performs a background check on the applicants driving history and, of course, makes sure the potential employee holds a valid driver’s license.

Another major requirement is the driver must possess a valid insurance. Without insurance, GrubHub won’t partner up with the driver.

Buying basic auto insurance may not be enough, though. The driver must possess the proper insurance capable of covering losses after an accident.

When driving for GrubHub or any other business, you are conducting business. The car hits the road to make money.

Anyone using a vehicle for business reasons must make sure to buy the appropriate coverage. Otherwise, the consequences could be devastating.

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Contact the Insurance Company Right Away

Long before starting a delivery job, call your insurance provider immediately to determine whether your current policy covers business use. More than likely, if you purchased a personal auto insurance policy, you are not covered.

Commercial use and personal use are two different things. The auto insurance provider would have no reason to add additional coverage addressing business use arbitrarily. Customers must specifically ask for our business-related insurance protection.

GrubHub Auto Insurance and Filing a False Claim

Commercial auto insurance costs more than “regular” auto insurance. Some may choose to drop the commercial policy and return to a standard one without telling their employer.

According to the Federal Bureau of Investigation (FBI), insurance fraud is more than $40 billion per year.

Don’t assume that filing a GrubHub insurance claim without telling the insurance company the whole situation can come off without any problems. Anyone that attempts to claim a vehicle was engaged in personal use when, in fact, the car was being used for business purposes would be committing fraud.

Lying to an insurance company in any manner can be deemed as insurance fraud, which may be charged as a felony. Neither insurance companies nor district attorneys look kindly upon insurance fraudsters.

Insurance companies perform an investigation when a claim is filed. Lately, the full circumstances surrounding the incident would be revealed. Trying to hide work for Delivery.com would be futile.

The insurance investigator would surely uncover the truth. The consequences of lying to the insurance investigator could be severe.

Take Care of GrubHub Auto Insurance Requirements

Insurance exists to protect you in the advent of an accident. Review GrubHub insurance quotes and then discuss coverage options with insurance providers. Look beyond liability insurance and seek out coverage that would help you recover losses to your vehicle.

This way, adequate protection allows you to work and follow GrubHub insurance requirements with less worry on your mind. That, in turn, may make you more productive on the road.

Ensure you have the best rate for the coverage you need by using our free insurance comparison tool below! Enter your ZIP code and compare rates now to find the best auto insurance company rates!

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Frequently Asked Questions: GrubHub Auto Insurance

So, now you know you need auto insurance to work for GrubHub but you cannot buy GrubHub auto insurance. For any other unanswered questions, take a look at some frequently asked ones below.

#1 – How do I drive for GrubHub?

Sign up for their service using your personal information and insurance information.

#2 – Does GrubHub verify insurance?

Yes. GrubHub has to verify whether you have insurance. The company will not contribute to the negligence of uninsured drivers.

#3 – Do you need special insurance for Grubhub?

Yes. If you’re going to be a delivery driver, you’ll need to enroll in a special kind of commercial insurance.

#4 – What kind of insurance do I need for Grubhub?

Commercial insurance or full coverage insurance is both adequate insurance coverages for GrubHub drivers.

#5 – Does Grubhub provide insurance?

No. It’s your responsibility to carry the minimum requirements for auto insurance.

#6 – Is DoorDash better than Grubhub?

According to Online-Tech-Tips, GrubHub is more widespread than DoorDash.