Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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The Short of It

  • GrubHub insurance isn’t provided by the company
  • If involved in an accident while delivering, a standard policy won’t cover the claim
  • It would be best if you had a commercial policy for GrubHub insurance

Driving for GrubHub can be lucrative. However, you need the right GrubHub insurance to ensure you are covered and your GrubHub insurance claim is paid. Your standard auto insurance policy won’t do this. You will need a commercial policy.

Full coverage insurance may not be required, but a commercial or business-use policy will be. These policies are a bit pricey, but finding affordable GrubHub auto insurance isn’t impossible. You can take advantage of discounts to stack up the savings.

Before you buy GrubHub auto insurance, enter your ZIP code above to compare delivery driver insurance quotes from local companies near you.

How much does commercial GrubHub insurance cost?

Answering how much your commercial GrubHub auto insurance rates are going to be is a little bit difficult. Insurance companies form your rates based on a variety of different factors. Each quote is personalized.

When an insurance company is trying to figure out how much risk they are taking to insure you and your vehicle, they look at:

  • Age
  • Location
  • Driving History
  • Claims Record
  • Education
  • Annual Mileage

All of these items will help them determine how much your base rate is going to be.

It’s true that a commercial GrubHub insurance policy will cost you a bit more than a standard policy. However, additional coverage is needed if you get into an accident while making a delivery.

Keep in mind, most GrubHub insurance companies will have discounts available. These discounts can save you a bundle on a commercial or business use policy. For example, GEICO offers up to 30% off for safe drivers.

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Who is the most affordable GrubHub auto insurance company?

GEICO and Progressive both offer low starting rates, but shopping around for a GrubHub insurance carrier is the best way to find the most affordable rates. These two companies are a good place to start looking for cheap GrubHub auto insurance.

Additionally, they are both known for offering great discounts. Whether it is a safe driver discount or one for paying your policy in full, you will be surprised at how much discounts can save you.

Let’s take a look at some sample rates from Progressive. They give you a decent look at what your out-of-pocket expense may look like.

GrubHub Average Monthly Progressive Auto Insurance Rates by Policy
Type of Auto Insurance CoverageProgressive Monthly Sample RatesMonthly Rate Increase Sample (Compared with a Personal Policy)
Personal Auto Insurance (No Delivery)$105.83N/A
Personal Auto Insurance (+ Delivery)Not AvailableNot Available
Business-Use + Personal Auto Insurance (Food Delivery)$296.83180.47%
Business Only Auto Insurance (for Food Delivery)$273.08158.03%
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Don’t be intimidated by the cost. Again, discounts can help cut down on the cost, and the peace of mind you get with the right commercial policy for delivery drivers makes it all worth it in the end.

Ready to buy GrubHub auto insurance? Enter your ZIP code now to check out quotes from various insurance companies.