Get Affordable GrubHub Auto Insurance Quotes (2026)
If you are looking into driving with GrubHub you'll need to be covered. To drive for GrubHub, the auto insurance you will absolutely need is commercial coverage. While this can cost upwards of $1,700 annually, it is far better than driving uninsured.
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Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Tonya Sisler
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Chris Abrams
Updated November 2024
- GrubHub does not provide its drivers with commercial auto insurance
- You are required to inform your insurer if you plan to drive commercially
- Commercial coverage has a wide array of costs
In the age of COVID-19, no business is booming quite like food delivery. Having food delivered has become necessary for many Americans, and you may be considering offering this service yourself.
We understand that finding the right insurer can be a bit of a hassle. This is why our GrubHub auto insurance review will cover all the questions you have step by step. You can also learn more at the following link about Coronavirus car insurance rates. Before we go any further, type your ZIP code into our helpful tool above to find food delivery auto insurance rates in your area.
GrubHub Auto Insurance Requirements
If you’re looking to start delivering for GrubHub, you probably have many questions. “Does GrubHub provide auto insurance?” According to Forbes.com, GrubHub does not provide its drivers with auto insurance.
“Can you deliver with GrubHub with state minimum auto insurance? Do I need special insurance to be a delivery driver for Grubhub?” You are required to be compliant with your state’s minimum coverage requirements, yes, but you will need additional commercial coverage as well.
Fortunately, most providers offer commercial lines of insurance. The following video further explains commercial auto insurance.
Commercial coverage is insurance specifically geared toward businesses. In this case, your automobile is your business. The table below compares rates between commercial and personal coverage forms.
Average Annual Auto Insurance Rates by Coverage Type| Coverage Types | Average Annual Rates |
|---|---|
| Comprehensive | $148 |
| Collision | $323 |
| Liability | $538 |
| Commercial | $900-$1,700 |
As you can see, commercial coverage elevates your premiums quite a bit in comparison to other coverage forms. With that being said, it is well worth paying more for this insurance rather than driving uninsured or underinsured.
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How to Update Auto Insurance for GrubHub
Seeing as there is no specific GrubHub auto insurance policy, you simply need to inform your insurer that you plan to use your vehicle to deliver food and need commercial coverage. Your insurer will most likely offer policy bundles. If one of these is a Grubhub driver insurance coverage discount, be sure to take advantage of it.
Feel free to type your ZIP code into our helpful tool below to find GrubHub driver insurance rates in your area. This is the best way to find out where to get auto insurance for GrubHub or Lyft.
References:
Frequently Asked Questions
Does GrubHub provide auto insurance?
No, GrubHub does not provide auto insurance for its drivers.
Can you deliver with GrubHub with state minimum auto insurance? Do I need special insurance to be a delivery driver for Grubhub?
While you are required to have state minimum coverage, you will also need additional commercial coverage to be a delivery driver for GrubHub.
How do I update my auto insurance for GrubHub?
To update your auto insurance for GrubHub, you need to inform your insurer that you will be using your vehicle for food delivery and require commercial coverage. Many insurers offer policy bundles that include coverage for Grubhub drivers.
Does GrubHub check or verify auto insurance?
Yes, when you sign up to deliver for GrubHub, they will check if you are named on an active auto insurance policy.
How does auto insurance work for driving with GrubHub?
You must be named on an active insurance policy for the vehicle you are driving, but you do not need to own the vehicle.
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