GrubHub Car Insurance: What to Know & How to Save (2023)

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.

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.

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.