GrubHub Auto Insurance: Requirements & Rates for 2021

GrubHub insurance requirements are minimal, but delivery drivers are encouraged to carry at least the state's minimum liability coverage. Your personal insurance company might require delivery drivers to carry more than basic liability coverage and can deny your GrubHub insurance claim if you don't have a commercial policy. Buying commercial GrubHub insurance could mean paying double the standard price of individual insurance.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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  • Auto insurance is required to drive for GrubHub
  • GrubHub has no minimum insurance requirement, though state minimum coverage is acceptable.
  • You cannot drive for GrubHub under your personal policy without disclosing your employment to your provider.

GrubHub auto insurance requirements are easy to fulfill. The companies job boards simply claim drivers must “have insurance.” This vague description means that, as long as you have some sort of coverage and pose less of a liability risk to GrubHub, then you can start delivering.

Auto insurance providers know that delivery drivers are more susceptible to the risks of the road and will charge higher food delivery insurance rates.

What you need to consider when driving for GrubHub, insurance carrier requirements may vary depending on what provider you end up choosing. Some companies will end your policy if you use our personal insurance for business.

If you’re ready to start your search for an affordable GrubHub insurance company, use our free quote comparison tool to make things easier. Enter your ZIP code above to find local agents for free.

What are the delivery insurance requirements for GrubHub?

To be a GrubHub driver, you need to have the following:

  • 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 GruhHub, there aren’t many hurdles. However, GrubHub 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 and how they can impact your GrubHub insurance costs.

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How much does GrubHub insurance cost?

Full coverage auto insurance is always going to be the preferable policy when you buy GrubHub insurance. However, most of the time, liability will be enough to get started.

Check out the table of the cost of liability auto insurance by state:

Liability Auto Insurance Rates by State
StatesAverage Monthly Liability Auto Insurance Rates
North Carolina$30
North Dakota$25
South Dakota$26
New Hampshire$34
New Mexico$43
South Carolina$46
West Virginia$42
Rhode Island$66
District of Columbia$55
New York$69
New Jersey$75
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Be aware that liability car insurance only covers damages sustained by the other party. It does not cover your injuries or the damage caused to your vehicle in an accident.

If you happen to be involved in an accident while on a GrubHub delivery, your personal policy may not cover you. You will need a commercial car 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:

Average Minimum and Maximum Auto Insurance Rates for Commercial Auto Insurance by Vehicle Type
Vehicle TypeMinimum Monthly Commercial Auto Insurance RatesMaximum Monthly Commercial Auto Insurance Rates
Delivery Van$275$516
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Another possibility for GrubHub car insurance is something called “occupational accident insurance.” Keep learning about this less-used option in the next section.

What is occupational accident 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 are a contract worker, you are responsible for liability in the event of an accident.

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,”

GrubHub Insurance: The Bottom Line

If you’re part of the delivery team, a GrubHub insurance claim must be filed under the driver’s insurance.

Like many delivery services, the contracted driver is solely responsible in the event of an accident. What this means for those who already have auto insurance is a call to your agent. Some auto insurance companies may require you to purchase additional coverage or a whole new policy.

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 auto insurance quotes from companies in your area.

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Enter your ZIP code below to compare cheap insurance rates.

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