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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UPDATED: Oct 2, 2022
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Oct 2, 2022
asdfIt’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
- 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.
Table of Contents
What are the delivery insurance requirements for GrubHub?
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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:
States | Average Monthly Liability Auto Insurance Rates |
---|---|
Idaho | $31 |
Maine | $29 |
Iowa | $26 |
Wisconsin | $32 |
Indiana | $33 |
North Carolina | $30 |
North Dakota | $25 |
South Dakota | $26 |
Vermont | $30 |
Ohio | $34 |
New Hampshire | $34 |
Nebraska | $31 |
Virginia | $36 |
Wyoming | $28 |
Kansas | $30 |
Hawaii | $39 |
Minnesota | $38 |
Tennessee | $36 |
Utah | $43 |
Montana | $33 |
Illinois | $38 |
Missouri | $36 |
Alabama | $35 |
Oregon | $51 |
Arkansas | $34 |
Kentucky | $45 |
New Mexico | $43 |
Washington | $51 |
Pennsylvania | $42 |
California | $42 |
South Carolina | $46 |
Mississippi | $39 |
Arizona | $45 |
Oklahoma | $39 |
Colorado | $45 |
Countrywide | $46 |
West Virginia | $42 |
Alaska | $47 |
Georgia | $50 |
Texas | $46 |
Nevada | $60 |
Massachusetts | $51 |
Maryland | $53 |
Connecticut | $57 |
Delaware | $67 |
Florida | $74 |
Rhode Island | $66 |
District of Columbia | $55 |
New York | $69 |
Michigan | $68 |
New Jersey | $75 |
Louisiana | $68 |
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 TypeVehicle Type | Minimum Monthly Commercial Auto Insurance Rates | Maximum Monthly Commercial Auto Insurance Rates |
---|---|---|
Car | $50 | $273 |
Semi-truck | $667 | $1,041 |
Delivery Van | $275 | $516 |
Limousine | $333 | $500 |
Cab | $416 | $833 |
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.
Enter your ZIP code below to compare cheap insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.