GrubHub Auto Insurance for 2022

If you are looking into driving with GrubHub you'll need to be covered. To drive for GrubHub, the auto insurance you will absolutely need is commercial coverage. While this can cost upwards of $1,700 annually, it is far better than driving uninsured.

Free Auto Insurance Comparison

secured lock Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 16, 2022

Advertiser Disclosure

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 insurance industry 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.

What You Should Know

  • GrubHub does not provide its drivers with commercial auto insurance
  • You are required to inform your insurer if you plan to drive commercially
  • Commercial coverage has a wide array of costs

In the age of COVID-19, no business is booming quite like food delivery. Having food delivered has become necessary for many Americans, and you may be considering offering this service yourself.

We understand that finding the right insurer can be a bit of a hassle. This is why our GrubHub auto insurance review will cover all the questions you have step by step. You can also learn more at the following link about Coronavirus car insurance rates. Before we go any further, type your ZIP code into our helpful tool above to find food delivery auto insurance rates in your area.

GrubHub Auto Insurance Requirements

If you’re looking to start delivering for GrubHub, you probably have many questions. “Does GrubHub provide auto insurance?” According to, GrubHub does not provide its drivers with auto insurance.

“Can you deliver with GrubHub with state minimum auto insurance? Do I need special insurance to be a delivery driver for Grubhub?” You are required to be compliant with your state’s minimum coverage requirements, yes, but you will need additional commercial coverage as well.

Fortunately, most providers offer commercial lines of insurance. The following video further explains commercial auto insurance.

Commercial coverage is insurance specifically geared toward businesses. In this case, your automobile is your business. The table below compares rates between commercial and personal coverage forms.

Average Annual Auto Insurance Rates by Coverage Type
Coverage TypesAverage Annual Rates
Get Your Rates Quote Now
Compare RatesStart Now →

As you can see, commercial coverage elevates your premiums quite a bit in comparison to other coverage forms. With that being said, it is well worth paying more for this insurance rather than driving uninsured or underinsured.

Compare over 200 auto insurance companies at once!

secured lock Secured with SHA-256 Encryption

How to Update Auto Insurance for GrubHub

Seeing as there is no specific GrubHub auto insurance policy, you simply need to inform your insurer that you plan to use your vehicle to deliver food and need commercial coverage. Your insurer will most likely offer policy bundles. If one of these is a Grubhub driver insurance coverage discount, be sure to take advantage of it.

Feel free to type your ZIP code into our helpful tool below to find GrubHub driver insurance rates in your area. This is the best way to find out where to get auto insurance for GrubHub or Lyft.

Frequently Asked Questions: GrubHub Auto Insurance

#1 – Does GrubHub notify your auto insurance that you are driving for them?

No, you will need to inform your insurer that you plan to operate your vehicle outside of personal usage.

#2 – Does GrubHub check or verify auto insurance?

Yes, when you sign up to deliver for GrubHub, they will check to see if you are named on a coverage policy.

#3 – How does auto insurance and driving for GrubHub work?

You must be named on an active insurance policy for the car you’re driving in order to be accepted as a driver. However, you do not need to own the vehicle.

#4 – Can you use any auto insurance for GrubHub?

It does not matter what insurer you use as long as you are listed on the policy of the vehicle you’re using.

#5 – Why does GrubHub ask for auto insurance information?

GrubHub, like many other companies, understandably does not want to have uninsured drivers on the road in the event that a worst case scenario takes place.

#6 – Is GrubHub a ripoff?

This answer depends on personal experience. If you can take advantage of driving in more populated areas, it may be worth it to you.

#7 – Do you need extra insurance for Doordash or InstaCart?

Just like for GrubHub, you’ll need commercial coverage to deliver for Doordash or InstaCart.

#8– Is there Postmates, Doordash, InstaCart, or Grubhub car insurance?

These companies do not provide insurance that will cover your vehicle.

#9 – Is there State Farm food delivery insurance?

Yes, it is known pizza delivery insurance.

#10 – How do I complete a GrubHub insurance document upload?

You can complete a GrubHub insurance document via



Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

secured lock Secured with SHA-256 Encryption