• News
  • Guides
  • Reviews
  • Media
  • About
  • News
  • Guides
  • Reviews
  • Media
  • About
Sign up Now (For Free)

Sign up for our newsletter and receive the latest automotive news in your inbox!

Invalid email address
We promise not to spam you. You can unsubscribe at any time.
Thanks for subscribing!
News
Read Now
  • All News
  • Automakers
  • Automobiles
  • Auto Shows
  • Business
  • EVs & Environment
  • Guides
  • Lawsuits/Legal
  • Regulatory
  • Ride-Sharing
  • Safety & Recalls
  • Technology
Recent
  • Q&A: Mazda North America’s CEO Jeff Guyton
  • Tesla Owners Stung by Capitalism
  • Mercedes Updates GLE Models for 2024 Model Year
  • First Look: Mazda’s Bigger, More Luxurious New CX-90
  • GM Net Income Rises for Q4 But Falls for Full Year 2022
  • GMC Launches Production of Hummer SUV; Needs Until 2024 to Fill Outstanding Orders
  • Vehicle Sales Up for January Despite Ongoing Challenges
  • Bidding Adieu to Bugatti’s W16 Engine
  • Ford “Significantly” Raising Production of Mustang Mach-E While Reducing Prices “Across the Board”
  • Week Ahead: Numbers, Numbers and More Numbers
Editor’s Choice
    Reviews
    Read Now
    • All Reviews
      • Feeder
    • Classic Cars
    • Concept Cars
    • Convertibles
    • Coupes
    • Crossovers/CUVs
    • Diesel
    • Hot hatches
    • Hybrids
    • Luxury Vehicles
    • Minivans
    • Muscle Cars
    • Pickups
    • Sedans
    • Sports Cars
    • Super Cars
    • SUVs
    Recent Reviews
    • A Week With: 2023 Hyundai Palisade Calligraphy
    • A Week With: 2023 Ford F-150 Raptor R 4x4 Super Crew
    • A Week With: 2023 Genesis Electrified G80 AWD
    • A Week With: 2023 Land Rover Defender 110 V-8
    • First Drive: 2023 Honda Pilot TrailSport
    • A Week With: 2023 Jaguar F-Type R Coupe
    • A Week With: 2023 GMC Yukon Denali Ultimate
    • A Week With: 2023 Genesis GV60 Performance
    • A Week With: 2023 Chevrolet Suburban Z71
    • A Week With: 2023 Lexus UX 250h F Sport
    Editor’s Choice
      Guides
      Car Warranty
      • Endurance Warranty Reviews
      • BMW Extended Warranty
      • Extended Warranty For Cars Over 100k Miles
      • Extended Car Warranty Cost
      • Subaru Extended Warranty
      • CarShield Reviews
      • CarShield Cost
      • Aftermarket Car Warranty
      • CARCHEX Warranty Reviews
      • Reputable Extended Car Warranty Companies
      • Used Car Warranty Companies
      • Best Car Warranty
      • Is CarShield A Scam?
      • Mercedes Extended Warranty
      • CarShield Plans
      Insurance
      • How To Identify A Car Insurance Company
      • Geico Mechanical Breakdown Insurance
      • How Far Back Does A Car Insurance Company Look
      • Mechanical Breakdown Insurance For Used Cars
      • State Farm Mechanical Breakdown Insurance
      • Mechanical Breakdown Insurance From Progressive
      • Dollar A Day Insurance
      • Auto Insurance For SSI Recipients
      • Car Insurance Rates After A Suspended License
      • Auto Insurance For Salvage Vehicles
      • Average Cost of Dodge Ram 1500 Car Insurance
      • Car Insurance Florida
      • Full Coverage Auto Insurance
      • GrubHub Insurance
      • Amazon Delivery Auto Insurance
      Shipping
      • Car Shipping Companies
      • uShip Reviews
      • Auto Shipping From California To Hawaii
      • Montway Auto Transport Reviews
      • Cheap Car Shipping
      • Easy Auto Ship Reviews
      • Auto Shipping Miami
      • Auto Shipping To Alaska
      • Car Shipping Cost
      • Auto Shipping Hawaii
      • Auto Shipping Puerto Rico
      • Sherpa Auto Transport Reviews
      • Auto Shipping Atlanta
      • Auto Shipping Boston
      • Auto Shipping. Chicago
      About
      • About Us
      • Contact Us
      • Terms of Use
      • Privacy Policy
      • Affiliate Disclosure
      • Sitemap
      TheDetroitBureau.com

      More than just “another” place to find news, reviews, spy shots, commentary, features, and guides about the auto industry. TheDetroitBureau doesn’t stop with the press releases or confuse a few lines of opinion with insightful, in-depth reporting.

      Contact Us

      Like what you see? Have some ideas for making The Detroit Bureau.com even better? Let us know, we’d love to hear your voice.

        Media
        Listen Now
        • Headlight News: All Episodes
        More from TheDetroitBureau
        • Guides
        • Latest News
        • Auto Reviews
        • Podcasts
        Headlight News

        TheDetroitBureau.com’s Headlight News offers a look at the past week’s top automotive news stories, as well as what’s coming up in the week ahead. Check out the week’s top story and our latest review…along with a dive into the past with this week in automotive history.

        home > guides > Insurance > The Essentials of GrubHub Auto Insurance

        The Essentials of GrubHub Auto Insurance

        Take a closer look at the insurance you need to legally drive for GrubHub.

        TDB Reviews Team
        TDB Reviews Team
        Dec. 22, 2022

        Affiliate Disclosure

        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.

        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.


        FAQ: GrubHub Insurance

        Does GrubHub provide insurance?

        No, GrubHub does not provide insurance. The only exception to this is in California, where there is a Prop 22 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.


        Methodology

        The Detroit Bureau collects data from every major car insurance provider to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction, and ratings from industry experts. Each insurer is given a weighted score in four categories, as well as an overall score out of 10.0.

        We recommend auto insurance companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.

        Recently Published
        Instructor with clipboard writing result of exam in car, closeup.

        What Discounts Does Esurance Provide?

        Dec. 22, 2022
        cheap auto insurance after accident

        How to Get Cheap Auto Insurance After an Accident

        Dec. 22, 2022
        postmates auto insurance

        Domino’s Pizza Auto Insurance: What Coverage Do You Need?

        Dec. 22, 2022

        FIND OUT HOW MUCH YOU CAN

        SAVE ON YOUR CAR INSURANCE

        SAVE ON YOUR CAR INSURANCE

        Share this article:
        © The Detroit Bureau 2023
        • Guides
        • Privacy Policy
        • Terms of Use
        • Affiliate Disclosure
        • Contact Us
        • Sitemap
        Follow Us: