GrubHub Auto Insurance: Requirements & Rates for 2024
GrubHub insurance requirements are low, but delivery drivers must carry minimum state coverage. In addition, many companies require drivers to have rideshare insurance or GrubHub insurance claims can be denied. Below, you can shop for GrubHub driver insurance and find the best rideshare insurance for GrubHub.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
UPDATED: Aug 28, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Aug 28, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
- You must carry auto insurance to drive for GrubHub
- GrubHub has no minimum insurance requirement, though state minimum coverage is acceptable
- You can’t drive for GrubHub under a personal policy without getting rideshare insurance with your company
If I drive for GrubHub, how much insurance coverage do I need? GrubHub insurance requirements are easy to fulfill — drivers simply must carry auto insurance. This vague description means that if you have some sort of coverage and pose less of a liability risk to GrubHub, then you can start delivering.
Auto insurance companies consider delivery drivers high risk and charge them higher food delivery insurance rates. When driving for GrubHub, it’s vital consider your insurer’s requirements for delivery driving. Some companies will end your policy if you use personal insurance for business, so you’ll need rideshare insurance coverage to fill the gap.
Keep reading to learn more about GrubHub insurance requirements and how to find a cheap rideshare insurance policy. If you’re ready to start your search for an affordable GrubHub insurance company, enter your ZIP code above into our free quote comparison tool above to make things easier.
GrubHub Auto Insurance Delivery Requirements
To be a GrubHub driver, you must:
- Be 18 or over
- Own a phone with a data plan
- Have a checking account
- Have a valid license for at least a year
- Have auto insurance
As you can see, if you want to drive for GrubHub, there aren’t many hurdles. However, GrubHub rideshare insurance rates may vary depending on what state you live in and the kind of car you drive.
Keep reading to learn more about food delivery insurance requirements, how they can impact your GrubHub insurance costs, and where to find cheap rideshare insurance.
Enter your ZIP code below to compare cheap insurance rates.
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GrubHub Auto Insurance Cost
Full coverage auto insurance is always going to be the preferable policy when you buy GrubHub rideshare insurance. However, liability is enough to meet GrubHub insurance requirements.
Check out the table of the cost of liability auto insurance by state:
Liability Auto Insurance Average Rates by State| States | Monthly Rates |
|---|---|
| Alabama | $31 |
| Alaska | $46 |
| Arizona | $41 |
| Arkansas | $32 |
| California | $39 |
| Colorado | $40 |
| Connecticut | $53 |
| Delaware | $65 |
| District of Columbia | $52 |
| Florida | $70 |
| Georgia | $41 |
| Hawaii | $38 |
| Idaho | $28 |
| Illinois | $36 |
| Indiana | $31 |
| Iowa | $24 |
| Kansas | $29 |
| Kentucky | $43 |
| Louisiana | $61 |
| Maine | $28 |
| Maryland | $50 |
| Massachusetts | $49 |
| Michigan | $60 |
| Minnesota | $37 |
| Mississippi | $36 |
| Missouri | $33 |
| Montana | $32 |
| Nebraska | $29 |
| Nevada | $54 |
| New Hampshire | $33 |
| New Jersey | $72 |
| New Mexico | $39 |
| New York | $65 |
| North Carolina | $30 |
| North Dakota | $24 |
| Ohio | $31 |
| Oklahoma | $37 |
| Oregon | $46 |
| Pennsylvania | $41 |
| Rhode Island | $60 |
| South Carolina | $41 |
| South Dakota | $24 |
| Tennessee | $33 |
| Texas | $42 |
| Utah | $39 |
| Vermont | $28 |
| Virginia | $34 |
| Washington | $47 |
| West Virginia | $42 |
| Wisconsin | $30 |
| Wyoming | $27 |
| U.S. Average | $43 |
Be aware that rideshare liability car insurance only covers damages sustained by the other party. It doesn’t cover your injuries or the damage caused to your vehicle in an accident.
If you get in an accident while on a GrubHub delivery, your personal policy may deny you, meaning you might find the need to hire an auto insurance lawyer. You must get a rideshare insurance policy to provide coverage while you’re on the clock.
Check out the table below to see the average commercial insurance rates by vehicle type:
Auto Insurance Average Rates for Commercial Policies by Vehicle and Coverage Type| Vehicle Type | Minimum Monthly Rates | Full Coverage Monthly Rates |
|---|---|---|
| Car | $50 | $273 |
| Semi-truck | $543 | $973 |
| Delivery Van | $280 | $525 |
| Limousine | $340 | $510 |
| Cab | $425 | $840 |
It’s important to compare GrubHub rideshare insurance costs from top companies to find the best deal. As you can see, Geico rideshare insurance costs $25 monthly, while a GrubHub policy with USAA starts at $6 monthly. Take a look at the table below to see how much rideshare coverage from the best car insurance companies costs:
Rideshare Auto Insurance Cost by Provider| Insurance Company | Rates |
|---|---|
| Allstate | About $20 per year. |
| Erie | $9 to $15 per month. |
| Geico | $25 per month. |
| Mercury | Starting at about $27 per month. |
| Safeco | Likely under $10 per month. |
| State Farm | 15%-20% of premium. |
| USAA | Starting at $6 per month |
Another possibility for GrubHub car insurance is something called “occupational accident insurance.” Learn more about auto accident law and this less-used option in the next section.
Adding Occupational Accident Coverage to GrubHub Auto Insurance
Occupational insurance is provided to employees that get injured on the job. This is a standard policy for independent contractors since full-time employees are usually offered insurance from their employer.
But what happens when you get into an accident while driving for GrubHub? Since you’re a contract worker, you’re responsible for liability and personal damages in the event of an accident. Learn more about personal injury protection (PIP) and medical coverage that your car insurance policy will pay for.
According to GrubHub’s driver support, after you’ve called local authorities, continue on your route: “If everyone is safe and well but you can’t fulfill an order, please select ‘Help,’ and then ‘Current deliveries’ from the menu within the Grubhub for Drivers app.”
Case Studies: GrubHub Auto Insurance
Case Study 1: John’s Insurance Claim
John, a GrubHub delivery driver, was involved in a car accident while making a delivery. He had basic liability coverage from his personal insurance policy but didn’t carry a rideshare insurance policy. When he filed a claim with GrubHub insurance, he got denied for not carrying a rideshare policy. Learn more about getting the best car accident settlement.
This case highlights the importance of understanding the insurance requirements as a GrubHub driver.
Case Study 2: Sarah’s Premium Increase
Sarah, another GrubHub delivery driver, had a personal insurance policy that allowed her to use her vehicle for business purposes. However, after becoming a GrubHub driver, she noticed a significant increase in her insurance premiums.
Her insurance company considered her increased risk as a delivery driver and adjusted her rates accordingly. This case demonstrates how becoming a GrubHub driver can impact insurance rates even if you have the right coverage.
Case Study 3: Mark’s Occupational Accident Insurance
Mark, a GrubHub driver, was exploring different insurance options and came across occupational accident insurance. He opted for this coverage, which provides protection for independent contractors in case of injuries sustained while on the job. Mark found this to be a more affordable option compared to traditional commercial car insurance. This case highlights an alternative insurance option for GrubHub drivers.
Finding the Best Rideshare Auto Insurance for GrubHub Drivers
You might wonder why auto insurance rates go up after you add rideshare insurance to your personal policy. Insurers know delivery drivers spend more time on the road, posing a higher risk, so they pay higher rates. However, you can find cheap rideshare insurance to meet GrubHub insurance requirements from the best companies for rideshare insurance, such as Geico or State Farm. Read more in our State Farm insurance review.
If you’re still on the hunt for affordable car insurance for GrubHub delivery drivers, use our free online comparison tool to get you started. Enter your ZIP code to find free rideshare auto insurance quotes from companies in your area. You can always save money by comparing online car insurance quotes.
Enter your ZIP code below to compare cheap insurance rates.
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Frequently Asked Questions
Does GrubHub affect car insurance?
Standard auto insurance doesn’t cover driving with GrubHub. So, you must get rideshare insurance.
Can you get Geico rideshare insurance for GrubHub?
Yes, you can get rideshare insurance coverage with Geico.
Is GrubHub insurance worth it?
While GrubHub doesn’t offer insurance, getting rideshare coverage from one of the best auto insurance companies while driving for the company is worth it.
How does insurance work with GrubHub?
GrubHub doesn’t offer liability auto insurance. So, you must get a separate policy to cover rideshare driving.
Does GrubHub ask for proof of insurance?
GrubHub requirements include insurance, being 19 or older, 2+ years of driving experience, and a valid driver’s license.
Enter your ZIP code below to compare cheap insurance rates.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.