GrubHub Car Insurance: What to Know & How to Save (2024)
If you are looking to deliver with GrubHub, you may want to look into GrubHub car insurance. Your personal car insurance policy may not provide coverage. Instead, you will need to invest in special insurance for food delivery drivers called commercial insurance. You can purchase a separate policy or see if your provider offers an add-on for delivery driver insurance.
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Tim Bain
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Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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
- GrubHub does not provide commercial insurance for its drivers
- If you do deliveries without commercial insurance, you will be responsible for any costs inf you get into an accident
- There are different types of commercial insurance policies available
Are you thinking about driving for GrubHub to make some extra money this year? You may want to take a moment to find out if your car insurance will cover you while you’re on the job.
GrubHub car insurance is something that many drivers think that they have, but in actuality, they do not.
Personal car insurance policies often do not provide coverage while you are using your personal vehicles for work. That means you may need an additional type of insurance and should look for food delivery insurance if you are looking to become a food delivery driver.
Are you looking for a new insurance provider? Compare car insurance types that are available to keep you covered.
Before learning more about GrubHub car insurance options, enter your ZIP code above, and we will pull up competitive rates in your area. Always be informed before you buy car insurance.
The Truth about GrubHub Car Insurance
Technically speaking, GrubHub car insurance does not exist. GrubHub does not provide any insurance to its drivers, but it does require that each driver be insured before they sign up.
What GrubHub, and other companies like them, do have is liability insurance that essentially protects the other party in an auto accident.
This liability coverage is not extended to the driver, their vehicle, or any medical bills unless the company specifically states otherwise.
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What happens if you get into an accident while delivering for GrubHub?
That depends on whether you have the appropriate coverage or not. If you only have a personal car insurance policy, that policy does not cover working for a food delivery company.
Without insurance for delivery drivers, you may find yourself on the hook for hundreds, even thousands of dollars in damages and medical expenses.
If that sounds like a situation you don’t want to be in, you need to look into commercial car insurance. This is insurance specifically designed for individuals who use their cars to perform their job. With commercial auto insurance coverage, you are protected should an accident happen while you are out on a delivery.
What is the difference between personal and commercial car insurance?
Personal car insurance is what most people have. It is a policy that covers you when you are doing day-to-day tasks like getting groceries, traveling to visit family and friends, driving to work.
A commercial car insurance policy. A commercial policy is designed to protect you when you are driving for your job. This can be delivery drivers or someone who travels as part of their duties.
Commercial car policies take into account totally different circumstances when configuring their rates than personal insurance policies do.
There is a good reason for these considerations. According to the Insurance Information Institute, aggressive driving is one of the leading causes of fatal car crashes.
If you are using a car to do a job, you will be driving more, perhaps in more stressful situations, and this will all come into effect when calculating how much the policy costs and what types of coverage goes into it.
Where can you get commercial car insurance?
Almost every major insurance provider will offer commercial vehicle insurance. However, not all commercial car insurance policies are the same, nor do they cost the same.
For many insurance companies, when you are looking for food delivery insurance, you will have to sign up for an entirely separate policy.
This can be a high cost, especially if the purpose of your job with GrubHub is to earn extra money.
To avoid making food delivery untenable, look for companies that will either add on to your personal policy or have separate insurance for food delivery drivers.
These policies, often called rideshare policies, cover those doing food delivery service as well as other driving services like Uber and Lyft.
One company that offers this style of policy is GEICO commercial auto insurance. Their rideshare policy acts as both personal and commercial insurance, so you don’t have to sign up for separate commercial coverage. GEICO insurance reviews will tell you all you need to know about this company.
Other companies will offer rideshare coverage as an add-on to the existing coverage, like Progressive.
When you are searching for commercial insurance, make sure to contact as many companies as possible.
Compare rates and the extent of coverage offered to ensure you are protected and not paying more than you should.
Are you ready to look for affordable car insurance quotes? Enter your ZIP code below, and we will pull up car insurance rates in your area to help you find the right car insurance company for you.
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Case Studies: Highlighting the Importance of GrubHub Car Insurance
Case Study 1: John’s Experience With GrubHub Car Insurance
John, a food delivery driver for GrubHub, assumed that his personal car insurance policy would cover him while on the job. However, when he got into an accident during a delivery, he discovered that his personal policy didn’t provide coverage for commercial activities.
As a result, John was left with significant expenses for damages and medical bills. This case highlights the importance of obtaining commercial car insurance specifically designed for food delivery drivers.
Case Study 2: Sarah’s Comparison of Insurance Providers
Sarah, a prospective GrubHub driver, wanted to ensure she had the right insurance coverage before starting her delivery gig. She compared quotes from multiple insurance companies to find the best option for her needs.
After considering different providers and their offerings, she found a company that offered an add-on to her existing personal policy for food delivery coverage. Sarah’s case demonstrates the importance of researching and comparing insurance options to find the most suitable and cost-effective coverage.
Case Study 3: Mark’s Experience With Rideshare Policies
Mark, who also works as a rideshare driver for Uber, decided to explore rideshare insurance options for his GrubHub deliveries as well. He discovered that some insurance companies offered policies that covered both rideshare and food delivery services.
Mark opted for a rideshare policy from GEICO, which provided comprehensive coverage for his multiple driving activities without the need for separate commercial insurance. This case showcases the benefits of finding insurance providers that offer versatile coverage for various driving jobs.
Frequently Asked Questions
Do I need special car insurance for GrubHub delivery?
Yes, if you work as a delivery driver for GrubHub or any other food delivery service, you typically need special car insurance coverage. Personal auto insurance policies usually exclude coverage for commercial activities like food delivery. Therefore, you may need to obtain a commercial auto insurance policy or a specific rideshare or delivery driver insurance policy to ensure you have appropriate coverage while working for GrubHub.
What does GrubHub’s car insurance cover?
GrubHub provides some insurance coverage for its delivery drivers while they are actively making deliveries. The coverage typically includes liability coverage for bodily injury and property damage to third parties. However, it’s important to note that GrubHub’s insurance coverage may have limits and certain conditions. It’s advisable to review the details of their insurance policy and understand the coverage provided.
Can I use my personal car insurance for GrubHub delivery?
In most cases, personal car insurance policies do not cover accidents or incidents that occur while using your vehicle for commercial purposes like GrubHub delivery. If you use your personal vehicle for delivery without proper coverage, you may risk having your claims denied and your policy canceled. It’s crucial to check with your insurance provider to determine if they offer any endorsements or additional coverage options for delivery drivers.
How can I save on car insurance as a GrubHub delivery driver?
As a GrubHub delivery driver, there are several ways to potentially save on car insurance:
- Shop around: Obtain quotes from multiple insurance companies to compare prices and coverage options specific to delivery drivers. This allows you to find the most competitive rates.
- Bundle policies: If you have multiple insurance policies (e.g., auto and renters or homeowners), consider bundling them with the same insurance company. Bundling often results in discounts on premiums.
- Maintain a clean driving record: Safe driving habits and avoiding traffic violations can help you maintain a good driving record, which may qualify you for lower insurance rates.
- Opt for higher deductibles: Choosing higher deductibles for comprehensive and collision coverage can lower your premium. However, make sure you can comfortably afford the deductible in the event of a claim.
- Take advantage of discounts: Inquire about available discounts such as safe driver discounts, low mileage discounts, or discounts for completing defensive driving courses.
It’s important to discuss your specific situation with an insurance agent or representative to explore all available options and find the most suitable and cost-effective coverage for your needs as a GrubHub delivery driver.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.