Best Auto Insurance for GrubHub Drivers in 2024
You must meet Grubhub auto insurance requirements to deliver for the company. You can add rideshare insurance for GrubHub drivers to a personal policy for as low as $2/mo. Below, you can find cheap GrubHub insurance for drivers and compare GrubHub car insurance rates and coverage types from top companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can’t get car insurance for GrubHub drivers directly from the company
- If you want to drive for GrubHub, you must have liability auto insurance that meets your state’s requirements
- You’ll need rideshare insurance on top of your personal policy to have full car insurance coverage as a GrubHub driver
You must meet GrubHub auto insurance requirements by carrying liability coverage to drive for the company. You’ll also need rideshare auto insurance on top of your personal policy — fortunately, you can add coverage from top companies such as Allstate for as low as $2 monthly.
Keep reading to learn more about how to meet Grubhub driver car insurance and vehicle requirements and find cheap auto insurance rates for GrubHub drivers.
GrubHub Auto Insurance for Drivers
While GrubHub employment requires its drivers to carry car insurance, the company doesn’t provide auto insurance coverage. Some delivery companies offer their employees commercial auto insurance coverage when they’re on the job, but GrubHub insurance requirements dictate that employees must find coverage independently.
You must meet the following requirements to work for the company:
- 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
GrubHub car requirements and additional requirements are not very stringent. But while GrubHub vehicle requirements are not demanding, you will still need to figure out the right auto insurance coverage on your own.
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GrubHub Driver Auto Insurance Requirements
Requirements for GrubHub include carrying your state’s minimum auto insurance requirements. While it’s wise to carry additional coverage to ensure you have protection for yourself and your vehicle, this is not something the company requires.
The liability coverage you need to purchase will depend on where you live. Each state has individual requirements for both property damage and bodily injury liability. The table below shows the different requirements in each state.
Minimum Liability Auto Insurance Requirements by State
| State | Limits |
|---|---|
| Alabama | 25/50/25 |
| Alaska | 50/100/25 |
| Arizona | 15/30/10 |
| Arkansas | 25/50/25 |
| California | 15/30/5 |
| Colorado | 25/50/15 |
| Connecticut | 25/50/20 |
| Deleware | 25/50/10 |
| District of Columbia | 25/50/10 |
| Florida | 10/20/10 |
| Georgia | 25/50/25 |
| Hawaii | 20/40/10 |
| Idaho | 25/50/15 |
| Illinois | 25/50/20 |
| Indiana | 25/50/25 |
| Iowa | 20/40/15 |
| Kansas | 25/50/25 |
| Kentucky | 25/50/25 |
| Lousiana | 15/30/25 |
| Maine | 50/100/25 |
| Maryland | 30/60/15 |
| Massachusetts | 20/40/5 |
| Michigan | 20/40/10 |
| Minnesota | 30/60/10 |
| Mississippi | 25/50/25 |
| Missouri | 25/50/25 |
| Montana | 25/50/20 |
| Nebraska | 25/50/25 |
| Nevada | 25/50/20 |
| New Hampshire | 25/50/25 |
| New Jersey | 15/30/5 |
| New Mexico | 25/50/10 |
| New York | 25/50/10 |
| North Carolina | 30/60/25 |
| North Dakota | 25/50/25 |
| Ohio | 25/50/25 |
| Oklahoma | 25/50/25 |
| Oregon | 25/50/20 |
| Pennsylvania | 15/30/5 |
| Rhode Island | 25/50/25 |
| South Carolina | 25/50/25 |
| South Dakota | 25/50/25 |
| Tennessee | 25/50/15 |
| Texas | 30/60/25 |
| Utah | 25/65/15 |
| Vermont | 25/50/10 |
| Virginia | 25/50/20 |
| Washington | 25/50/10 |
| West Virginia | 25/50/25 |
| Wisconsin | 25/50/10 |
| Wyoming | 25/50/20 |
Some states require additional coverage, such as personal injury protection (PIP), medical payments (MedPay), and uninsured motorist (UM) coverage.
Grubhub Auto Insurance Cost
The amount of money you pay for auto insurance as a GrubHub driver will depend on many different 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, your insurance rates will be lower than those associated with a full coverage policy that includes collision and comprehensive coverage. But the extra protection may be worth the investment.
The only way you will know how much you will end up paying for coverage is to shop online and compare quotes from several companies near you. Below, you can compare rideshare insurance costs from the best auto insurance companies:
Rideshare Auto Insurance Average Rates
Insurance Company Monthly Rates
Allstate Under $2 per month
Erie $9 to $15 per month
Farmers $13 to $20 per month
Geico $7 to $14 per month
Liberty Mutual $12 to $19 per month
Mercury $27 per month
Nationwide $11 to $18 per month
Progressive $8 to $15 per month
Safeco $10 per month
State Farm 15% - 20% of auto insurance policy
USAA $6 per month
Of course, the GrubHub rideshare insurance rates above get added on top of your existing policy rates.
GrubHub Rideshare Auto Insurance Coverage
As a GrubHub driver, you may want to consider a commercial insurance policy. But a commercial policy may not be worth the cost if you don’t work full time.
Commercial Auto Insurance Monthly Rates by Vehicle Type
Car Type Minimum Coverage Full Coverage
Car $50 $200
Semi $667 $1,042
Cargo/Delivery Van $275 $517
Limo $333 $500
Cab $417 $833
GrubHub delivery drivers could pay as much as $2,400 annually for commercial insurance. But if you only work for GrubHub part-time, you may want to consider purchasing rideshare insurance or adding a rideshare plan to your insurance policy.
Rideshare coverage offers additional protection when you’re working as a delivery driver. Your personal insurance policy will cover you if you’re in an accident or if your car is otherwise damaged while you’re making a delivery.
If you don’t purchase rideshare coverage, there’s a chance your insurance will not cover you if you’re in an accident while working for GrubHub. Most policies have exclusions when driving your car for work purposes, so you must notify your insurance company that you work for GrubHub and ensure you’re covered.
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How to Get Cheap GrubHub Auto Insurance
The best way to find cheap auto insurance as a GrubHub driver is to shop online and compare quotes from insurance providers in your area. Unless you compare rates from different companies, you’ll never know how much you will pay for coverage.
As you shop for coverage, ask companies whether you qualify for discounts that would help you save on your monthly or annual rates. And be sure to ask whether you will be covered as a GrubHub driver with a personal policy or if you need rideshare coverage or commercial coverage to maintain proper protection.
Find the Best GrubHub Auto Insurance Coverage Today
You’ll need to carry a GrubHub rideshare insurance policy to be a delivery driver for the company. GrubHub only requires that you carry your state’s requirements for liability insurance, but you should consider purchasing additional coverage.
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— AutoInsurance.org (@AutoInsurance) June 9, 2023
Anyone working for GrubHub full time may need commercial coverage, but you should consider purchasing rideshare insurance if you only work for the company part-time. Shop for coverage with several companies in your area to determine which insurer will offer you the coverage you need as a GrubHub driver at a rate that works with your budget.
Frequently Asked Questions
Does GrubHub have insurance for drivers?
No, GrubHub doesn’t provide auto insurance coverage for its drivers. Drivers are required to find coverage independently.
Does GrubHub require insurance?
GrubHub drivers must carry their state’s minimum liability insurance. However, you should consider add-on coverages depending on individual needs and state requirements.
Does GrubHub require proof of insurance?
GrubHub driver insurance requirements say you must be age 19 with 2+ years of driving experience, a driver’s license, and auto insurance.
How much does GrubHub car insurance cost?
The cost of car insurance for GrubHub drivers varies depending on several factors, including coverage options, location, driving history, and the insurance provider. It is recommended to shop online and compare quotes from different companies to find the best rates.
Do I need rideshare insurance to drive for GrubHub?
While GrubHub doesn’t require rideshare insurance, you should consider purchasing it or adding a rideshare plan to your existing policy. Rideshare coverage provides additional protection while you’re working as a delivery driver.
Can I find cheap car insurance as a GrubHub driver?
Yes, it is possible to find affordable car insurance as a GrubHub driver. The best way to find cheap insurance is to shop around, compare quotes from different companies, and inquire about any available discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.