GrubHub Insurance (Rates & Requirements)

The GrubHub insurance policy states that you must have the minimum insurance required in your state to drive legally. Your personal policy will not cover you while you're driving for work, so you should consider commercial coverage or a business use policy.

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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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Written by Mathew B. Sims
Editor-in-Chief Mathew B. Sims

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 Daniel Walker

UPDATED: Jun 21, 2022

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Things to Remember

  • GrubHub does not offer its drivers any auto insurance coverage when they are making deliveries
  • To drive for GrubHub, you must carry the proper amount of liability coverage
  • If you work part-time for GrubHub, you may want to consider a commercial auto insurance policy for additional protection

GrubHub is a popular food delivery option across the U.S. If you work as a delivery driver for GrubHub or are considering the job, you need to know what’s required to take on the role.

In order to drive for GrubHub, you must have the proper car insurance coverage in your state. 

Does GrubHub offer car insurance?

GrubHub requires that you carry auto insurance, but the company does not offer its drivers any auto insurance coverage while they’re on the job. While some delivery companies carry commercial coverage that extends to their drivers when actively delivering items, GrubHub does not.

If you work for GrubHub, you are required to meet the following standards:

  • 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

You will not be able to work for GrubHub if you do not have an active auto insurance policy that meets the company’s requirements.

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How much car insurance do GrubHub drivers need?

You only need to carry liability insurance to drive with GrubHub. The amount of coverage you need depends on where you live. Each state has its own coverage requirements in terms of both property damage and bodily injury liability.

The table below shows how much liability coverage you need to carry in each state in terms of bodily injury liability per person, bodily injury liability per accident, and property damage liability.

Car Insurance Liability Requirements by State
StateMinimum Liability Requirements
Alabama25/50/25
Alaska50/100/25
Arizona15/30/10
Arkansas25/50/25
California15/30/5
Colorado25/50/15
Connecticut25/50/20
Deleware25/50/10
District of Columbia25/50/10
Florida10/20/10
Georgia25/50/25
Hawaii20/40/10
Idaho25/50/15
Illinois25/50/20
Indiana25/50/25
Iowa20/40/15
Kansas25/50/25
Kentucky25/50/25
Lousiana15/30/25
Maine50/100/25
Maryland30/60/15
Massachusetts20/40/5
Michigan20/40/10
Minnesota30/60/10
Mississippi25/50/25
Missouri25/50/25
Montana25/50/20
Nebraska25/50/25
Nevada25/50/20
New Hampshire25/50/25
New Jersey15/30/5
New Mexico25/50/10
New York25/50/10
North Carolina30/60/25
North Dakota25/50/25
Ohio25/50/25
Oklahoma25/50/25
Oregon25/50/20
Pennsylvania15/30/5
Rhode Island25/50/25
South Carolina25/50/25
South Dakota25/50/25
Tennessee25/50/15
Texas30/60/25
Utah25/65/15
Vermont25/50/10
Virginia25/50/20
Washington25/50/10
West Virginia25/50/25
Wisconsin25/50/10
Wyoming25/50/20
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While you only have to meet the minimum requirements of coverage to drive legally, you may want to carry additional coverage to ensure you are better protected if you’re ever in an accident.

How much does GrubHub car insurance cost?

How much you will pay for auto insurance as a GrubHub delivery driver depends on several 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, you will pay less for auto insurance than if you purchase a full coverage policy that includes both collision and comprehensive insurance.

Still, the only way you will know how much you’ll pay for coverage is if you shop online and compare quotes from multiple companies in your area. 

The table below shows the average car insurance rates for delivery drivers based on the nature of their jobs.

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$1,270
Catering
(Business Only)
$216.92$1,301.50$2,603
Catering
(Business/Personal)
$235.08$1,410.50$2,821
Food Delivery
(Business Only)
$273.08$1,638.50$3,277
Pizza Delivery
(Business Only)
$273.08$1,638.50$3,277
Food Delivery (Business/Personal)$296.83$1,781$3,562
Pizza Delivery (Business/Personal)$296.83$1,781$3,562
Food Truck
(Business Only)
$434.42$2,606.50$5,213
Food Truck (Business/Personal)$763.25$4,579.50$9,159
Personal Insurance (Delivery)Won't CoverWon't CoverWon't Cover
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As you can see, a personal insurance policy costs substantially less than a policy that includes additional delivery coverage. But the table also shows that most personal insurance policies will not cover work-related accidents or incidents.

Do GrubHub drivers need commercial auto insurance?

Because a personal car insurance policy is not likely to cover work-related accidents, you must know your options in terms of coverages. Otherwise, your car insurance claim could be denied.

You can purchase a commercial auto insurance policy. Commercial car insurance is separate from a personal insurance policy. However, it offers higher liability coverage, so drivers do not end up paying for work-related incidents out of their own pockets.

Commercial auto insurance offers a lot of protection, but commercial coverage policies can be expensive. 

Annual Commercial Auto Insurance Costs by Vehicle Type
Car TypeMinimum Annual Commercial Auto Insurance RatesMaximum Annual Commercial Auto Insurance Rates
Car$600$2,400
Semi$8,000$12,500
Cargo/Delivery Van$3,300$6,200
Limo$4,000$6,000
Cab$5,000$10,000
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If you are a delivery driver for GrubHub, you could pay as much as $2,400 for commercial coverage. Because rates for commercial coverage can be so high, you will need to shop around to find the lowest prices. 

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Can I find cheap commercial car insurance?

While it will not be as cheap as a liability-only policy, you should be able to find reasonable rates for commercial auto insurance if you shop online and compare quotes.

Some companies may give you cheaper rates if you only work as a delivery driver part-time. And there’s a chance you’ll qualify for additional discounts on coverage that will help you save more.

You may want to check with your personal auto insurance provider first to see if you can add a business use policy to your personal insurance. Doing so could help you save money and get proper coverage all at once.

GrubHub Auto Insurance: The Bottom Line

If you drive for GrubHub, you have to carry liability insurance. However, most delivery drivers will not get full coverage from a personal insurance policy, so you should consider adding commercial coverage or purchasing a commercial policy on your vehicle.

If you are in an accident and don’t carry the proper coverage, your claim could be denied. Many insurance companies do not allow personal insurance policies to extend to business use. Check with your car insurance provider to learn whether you need additional coverage as a delivery driver.

To save money on coverage, you can shop around and compare rates from multiple providers in your area. This process could help you find the coverage you want and need at a price that works with your budget.

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