Grubhub Auto Insurance Requirements

If you're a Grubhub driver, you need to have auto insurance. While Grubhub doesn't specify a minimum level of coverage, you need to understand the requirements of your auto insurer to ensure you have the necessary coverage. Your state's minimum coverage is acceptable, but many companies require drivers to have rideshare insurance, or Grubhub may deny your claim. You can add rideshare coverage to your existing policy for a small fee.

Grubhub's auto insurance requirements

To work for Grubhub, you must meet certain requirements. These include being 18 or older (21 or older in Las Vegas), owning a semi-recent smartphone with a data plan, and having a checking account. If you plan to deliver by car, you must also have a valid driver's license and auto insurance.

Grubhub does not provide auto insurance coverage for its drivers. This means that drivers must find coverage independently. The company only requires that you “have auto insurance" of some sort. However, your auto insurer will likely require you to get rideshare insurance. This is because standard auto insurance plans do not cover any commercial deliveries, and driving for Grubhub is considered a commercial activity. If you do not have rideshare insurance, your insurance company will not cover damages or injuries from any accidents that occur while you are working for Grubhub.

Grubhub verifies insurance by asking for proof of insurance and may also contact your auto insurance company to confirm your coverage.

In terms of insurance, Grubhub requires that you carry your state's minimum auto insurance requirements. While it is wise to carry additional coverage to ensure you have protection for yourself and your vehicle, this is not something the company mandates. The liability coverage you need to purchase will depend on where you live. Each state has individual requirements for both property damage and bodily injury liability. Some states also require additional coverage, such as personal injury protection, medical payments, and uninsured motorist coverage.

When shopping for auto insurance as a Grubhub driver, it is important to compare quotes from different companies and ask about any available discounts. You should also inquire about whether you will be covered as a Grubhub driver with a personal policy or if you need rideshare coverage or a commercial policy.

The cost of auto insurance for Grubhub drivers

Grubhub Insurance Requirements

Grubhub requires its drivers to be at least 19 years old and have a valid driver's license, auto insurance, and a vehicle or bicycle (in certain areas). While Grubhub does not specify a minimum level of auto insurance coverage, drivers must meet their state's minimum requirements. Some states mandate additional coverage, such as personal injury protection (PIP), medical payments (MedPay), and uninsured motorist (UM) coverage.

Cost of Auto Insurance for Grubhub Drivers

Factors Affecting Auto Insurance Costs

Several factors can influence the cost of auto insurance for Grubhub drivers, including age, driving record, credit history, number of claims filed, location, and mileage. Additionally, the type of vehicle and the desired level of coverage can impact the cost. It is recommended that Grubhub drivers shop around and compare quotes from different insurance providers to find the most affordable rates.

Recommended Insurance Providers for Grubhub Drivers

When choosing an insurance provider, Grubhub drivers should consider companies that offer rideshare insurance, such as GEICO, Progressive, and State Farm. These companies offer competitive rates and comprehensive coverage options specifically designed for rideshare and delivery drivers. It is worth noting that some insurance providers may offer discounts, so it is advisable to inquire about any available discounts when shopping for auto insurance.

The best auto insurance companies for Grubhub drivers

If you're a Grubhub driver, you'll need to take out a specific type of auto insurance. Although Grubhub doesn't provide insurance for its drivers, you'll still need to be insured to work for the company.

• The Hartford: Top pick for its excellent customer service, comprehensive coverage options, and specialised solutions for drivers.
• Farmers: Best for rideshare endorsement, with high customer service ratings and Signal, a usage-based insurance discount.
• State Farm: Best agent network as the largest insurer in the US, with high levels of customer satisfaction and a wide variety of discounts available.
• Allstate: Best for comprehensive coverage, with innovative tools like Drivewise, strong financial stability, and mixed customer service reviews.
• Liberty Mutual: Best for flexible policies, with multiple policy discounts, a good selection of coverage options, and 24/7 claims service.
• Nationwide: Best for discount variety, with a highly-rated customer service team, a vanishing deductible program, and a range of discounts.
• USAA: Best for military benefits, with top-rated customer service, competitive rates, and exclusive coverage for military members and their families.
• Erie: Best for competitive rates, with highly-rated customer service, a broad range of coverage options, but limited availability.
• American Family: Best for discount options, with personalised customer service, good discounts, and bundle discounts.
• Progressive: Best for rideshare programs, with a Name Your Price Tool, a wide range of discounts, and a strong online presence, but mixed customer service reviews.

Types of Insurance

As a Grubhub driver, you'll need to take out rideshare insurance, also known as business-use or commercial coverage. This is because standard auto insurance plans don't cover commercial driving, including food deliveries.

You can add business-use or commercial coverage to your existing policy for a small fee. Most major insurance companies offer this, including GEICO, Progressive, and State Farm.

How to get cheap auto insurance as a Grubhub driver

To get cheap auto insurance as a Grubhub driver, you should follow these steps:

Firstly, it is important to note that Grubhub does not provide auto insurance for its drivers. Therefore, you will need to find coverage independently. The company only requires that you “have auto insurance” of some sort, with no minimum level of coverage. However, your auto insurer will have specific requirements that you need to understand to ensure you have the necessary coverage.

Secondly, you need to get rideshare insurance. This is because standard auto insurance plans do not cover any commercial deliveries, including Grubhub. This is true even if you have full coverage, as personal policies exclude business use. Rideshare insurance will provide you with extra coverage for when you use your car for work. It is important to note that Grubhub will not cover you for any accidents that occur while you are signed into the app without this type of coverage.

Thirdly, shop around for the best rates. Leading insurance companies such as GEICO, Progressive, and State Farm offer rideshare insurance, with prices starting from as little as $6 a month. You can also add rideshare coverage to your existing policy, which will typically cost around an extra $25 per month.

Finally, ask your insurance agent about any discounts you may qualify for. Most companies offer a variety of potential discounts, which can help lower your rates.

By following these steps, you can find cheap auto insurance that meets the requirements for driving with Grubhub.

The consequences of not having the right auto insurance for Grubhub

If you are a Grubhub driver, it is essential to have the right auto insurance. Not having the right auto insurance for Grubhub can lead to various consequences, and here are some of them:

Lack of Coverage in Accidents

If you get into an accident while delivering for Grubhub and lack the proper insurance, your insurance company may deny your claim. Standard auto insurance plans do not cover commercial activities, including food delivery services like Grubhub. Without rideshare insurance, you will be responsible for paying for any property damage or bodily injuries that occur in an accident while on the job.

Increased Financial Burden

In the event of an accident, not having the right insurance can result in significant financial strain. You will be personally liable for any damages or injuries that occur, which can lead to costly repairs, medical bills, or even legal repercussions if others are involved.

Policy Termination

Using a personal insurance policy for business purposes without the appropriate rideshare coverage is often prohibited by insurance companies. Engaging in commercial activities without the required insurance may result in your insurance provider terminating your policy.

Difficulty with Claims

Grubhub does not provide auto insurance for its drivers. Therefore, without the proper rideshare insurance, you may encounter challenges when filing claims related to accidents or incidents that occur while delivering for Grubhub. Your insurance company may deny these claims, leaving you without financial support for repairs or medical treatment.

Legal Consequences

Driving without the appropriate insurance can lead to legal consequences. Each state has its own requirements for auto insurance, and failing to meet these requirements can result in fines, license suspension, or even jail time.

Impact on Grubhub Partnership

Grubhub requires its drivers to carry auto insurance. Not having the right insurance may put your partnership with Grubhub at risk. They may choose to terminate your contract or take other actions if you do not meet their requirements and local regulations.

Frequently asked questions