Auto Insurance for GrubHub (Cost & Requirements)

Auto insurance for GrubHub may include the need for a business-use add-on or a commercial auto insurance policy. Unfortunately, GrubHub does not provide insurance for its drivers, so you are responsible for making sure you're covered. You may be able to find auto insurance for GrubHub drivers from most major insurance companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 23, 2021

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A Concise Overview

  • GrubHub requires drivers to have auto insurance but doesn’t specify the type or coverage amounts
  • Your personal auto insurance likely won’t cover you for business use of your vehicle
  • You may want to consider purchasing a business-use add-on or a commercial policy to make sure you’re covered
  • You can receive a business-use add-on or a commercial policy from many major auto insurance companies

If you are or are considering becoming, a GrubHub driver, it is important to make sure you have the right type of auto insurance coverage. If you’re in an accident without the right coverage while delivering for GrubHub, you will be left to pay a large amount out of pocket.

Finding auto insurance for GrubHub may not be as simple as you’d think. Read below to learn about GrubHub insurance requirements, how much you may pay for GrubHub insurance, and where you can find a GrubHub insurance policy.

If you’re looking to buy GrubHub auto insurance, enter your ZIP code above to get free GrubHub auto insurance quotes.

What kind of auto insurance do I need to drive for GrubHub?

GrubHub insurance requirements are very vague, stating that you need “auto insurance,” but no mention of what type or how much coverage. Therefore, many people believe they can start delivering using their personal auto insurance policy. However, this is typically not the case.

In most cases, a personal auto insurance policy will not cover any claims for accidents that occur while you are using your vehicle for work purposes, such as delivering food.

On top of this, the insurance company may even cancel your policy if they discover that you use your vehicle for business.

Instead of relying on your personal auto insurance policy alone, you should contact your insurance company to see if they offer either a business-use add-on or a commercial policy.

A business-use add-on is an endorsement that you can add to your personal policy for a limited amount of coverage. However, if you deliver for GrubHub full-time, this may not be the right option for you.

A commercial auto insurance policy is a better type of coverage for a full-time GrubHub driver. It generally provides liability auto insurance for accidents caused during the time you are listed as available on the GrubHub app.

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Does GrubHub provide insurance?

Many food delivery or rideshare apps provide their drivers with some type of limited coverage that may vary based on your location, the status of your job, and more.

However, GrubHub is one of the only companies that doesn’t provide any insurance coverage. This means that you are solely responsible for any injuries or damage caused by you during an accident while you are delivering, which makes getting the right insurance critical.

If you need to make a GrubHub insurance claim, you will need to contact your insurance company.

How much is auto insurance for GrubHub?

GrubHub auto insurance rates will vary based on the type of coverage you buy, the insurance company you buy from, how much coverage you get, and more.

A commercial auto insurance policy is going to cost more than a business-use add-on but will offer more coverage. A commercial policy can cost between $600 and $2,400 per year for small business owners. GrubHub drivers are likely to pay toward the lower end of the range.

Where can I find auto insurance for GrubHub?

Delivery driving and ridesharing are becoming increasingly popular as people take on new side hustles and want more flexible schedules. Insurance companies are adapting to this new trend by expanding their business policies.

The first place you should look for a GrubHub insurance carrier is your personal auto insurance company. When you tell them that you are considering becoming a GrubHub driver, they can tell you about their coverage options.

Many major insurance companies now offer business-use add-ons, and some may also offer commercial auto insurance. If your insurance company doesn’t offer these options, finding a company that does will not be difficult.

To make sure you’re getting the best rates, enter your ZIP code into our free quote comparison tool below to find an affordable GrubHub auto insurance company in your area.

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