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The Essentials of GrubHub Auto Insurance

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If you plan on driving for GrubHub, you need to make sure that you have the required GrubHub insurance. The most important takeaway is that you need to get rideshare coverage. Without this type of coverage, you will not be protected if you get in an accident while driving for GrubHub since the company doesn’t offer any auto insurance. Read on to learn more details about the coverage and everything else you should know.

To make it less stressful for you to get GrubHub insurance or any other auto insurance, our experts reviewed the best car insurance providers to determine which are the best in the industry.

GrubHub Car Insurance Requirements

Depending on your age, GrubHub requires that you have driven with your license for at least one or two years. Those over age 19 need to have had a valid driver’s license for at least two years, while those who are 18 only need to have had a license for a year.

In terms of insurance, the company only requires that you “have auto insurance” of some sort. GrubHub does not officially have a minimum level of coverage. While GrubHub doesn’t require a specific level of insurance, your auto insurer will. You need to understand that requirement to ensure you have the necessary coverage.

Keep in mind that GrubHub also has other requirements that are not related to auto insurance. You need to be at least 18 years old, have a semi-recent smartphone with a data plan, and have a checking account.

You Need Rideshare Insurance to Drive for GrubHub

We mentioned that the company itself does not have any official GrubHub insurance requirements, other than that you have “auto insurance.” This theoretically means you could maintain the minimum coverage that your state requires. However, your auto insurance provider will require you to get rideshare insurance.

Rideshare Insurance Basics

Rideshare insurance is necessary because standard auto insurance plans will not cover any commercial deliveries, including GrubHub. This is true whether you have full coverage or just have the minimum liability coverage required by your state. You need a separate commercial policy for coverage for delivery services or any other business use of your car.

Rideshare insurance covers this gap by giving you extra coverage for when you use your car to work via a rideshare app or as a delivery driver.

Getting rideshare insurance will do more than provide coverage if you drive for GrubHub. It also provides coverage for any other rideshare services, including:

  • Instacart auto insurance
  • PostMates auto insurance
  • Amazon Delivery auto insurance
  • Uber Eats insurance
  • Lyft
  • Other food delivery driver apps
  • Other rideshare apps

As a note, if you are thinking of driving for any of the above companies, follow the corresponding links for more information on their specific insurance requirements.

Insurance companies require this type of coverage for several reasons. One is that you are working commercially and, as mentioned, business use is not covered by standard auto insurance. The other reason is that you will be on the road more often if you drive for GrubHub or another service. Being on the road more increases your risk of an accident, which therefore increases your risk of an insurance claim and payout.

GrubHub Doesn’t Provide Any Car Insurance

As you think about your GrubHub insurance, remember that GrubHub itself does not provide any car insurance to its independent contractors. This is a very important difference from some other apps. Uber Eats, for example, covers you from the time you pick up an item to when you drop it off. GrubHub does not give you this coverage.

In practical terms, this means that unless you have rideshare coverage, you will not be covered for any accidents that occur while you are signed into GrubHub. Your regular auto insurance would not cover your work for GrubHub because it is considered a commercial activity, which is not part of standard plans. This means you will have to pay for property damage or bodily injuries yourself.

With rideshare coverage, however, your insurance company will approve your claim. Rideshare coverage is specifically designed to fill this gap in coverage and ensure that you will have coverage while working for GrubHub.

Who Provides GrubHub Insurance?

The good news is that you can get rideshare insurance coverage from most leading insurance companies. You should expect to pay about $300 extra per year on your insurance when you add rideshare coverage. This works out to an extra $25 per month. 

That being said, you can also find cheaper prices by shopping around. That can be especially true if you qualify for discounts. Be sure to ask your insurance agent about any discounts you may qualify for. These vary across the insurance industry, but most companies offer at least several potential discounts.

The most important takeaway is that you should not skip getting rideshare coverage on your auto insurance policy if you drive for GrubHub. If you don’t get rideshare coverage, your insurance company will not cover damages or injuries from any accidents that occur while you have the GrubHub app on. This means that you would have to pay out of pocket for any damages or medical bills if you are at fault.

The good news is that not only do most leading insurance providers offer rideshare or GrubHub insurance, but they make it very easy to add this coverage. You can easily add the coverage at any time, even to your existing policy.

The other bonus is that, as mentioned earlier, rideshare insurance will also cover you while you are driving for other ridesharing apps. This way, you can pick up an additional side job without worrying about having to get more auto insurance coverage. You will already have it.

Our Recommendations for Auto Insurance

As mentioned, all of the leading insurance providers offer rideshare insurance. That includes all of our top recommendations. We suggest considering GEICO, Progressive or State Farm for your auto insurance, including rideshare coverage.

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GEICO: Best Overall

Our experts awarded GEICO an overall score of 9.1 out of 10.0. This includes a 9.4 rating for cost, 8.5 for coverage, and 9.0 for customer experience. It also includes a 9.8 for industry reputation. In addition to rideshare coverage, GEICO also offers other great add-ons, including mechanical breakdown insurance, roadside assistance, classic car insurance and rental reimbursement.

Progressive: Best for High-Risk Drivers

Progressive earned a 9.1 out of 10.0 overall rating. It earned a 9.1 for industry reputation. Progressive also earned a 9.0 for coverage, a 9.3 for cost, and an 8.9 for customer experience. Progressive offers the most extras out of our recommendations. In addition to rideshare coverage, you can get classic car coverage, a deductible savings bank, customer parts value, loan or lease payoff, accident forgiveness and roadside assistance.

State Farm: Best Student Discounts

State Farm is another of our top picks, earning an 9.1 out of 10.0 overall. Like our other recommendations, State Farm earned a 9.9 for industry reputation. It also received a 9.0 for coverage and cost, and an 8.8 for customer experience. As with our other recommendations, State Farm offers more extras than just rideshare coverage. You can also get rental coverage, travel expenses, classic car coverage and roadside assistance.


Does GrubHub provide insurance?

No, GrubHub does not provide insurance. The only exception to this is in California, where there is a health insurance subsidy. Note that this is for health insurance, not car insurance. It also requires you to enroll in an eligible California health insurance plan and meet minimums for active delivery times.

Do you need special insurance for GrubHub?

Yes, you need to have rideshare insurance if you drive for GrubHub. Without this coverage, you will not be covered for any accidents that occur while you are driving for GrubHub or even when you have the app open in search of an order.

How does GrubHub verify insurance?

GrubHub verifies your insurance by asking for proof of insurance. The company may also contact your auto insurance company to verify your coverage.

Does DoorDash make insurance go up?

Yes, and the reason is that driving for DoorDash, like driving for GrubHub, requires rideshare insurance. Adding this rideshare coverage will typically make your rates go up. However, it is unlikely to increase your rates by more than about $300 per year or $25 per month.

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  1. I don’t understand this. All the insurance companies I have contacted explicitly exclude benefits while actually delivering food. Their rudedhare covers only the period between turning your app on
    And waiting for an offer. The coverage ends as soon as you receive an offer.