Progressive, Geico and Allstate are the best car insurance companies for Grubhub drivers offering rates as low as $55 per month.

Each of these providers is popular for providing an affordable and reliable product to make Grubhub drivers safe on the road.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	10%	A+	High-Risk Drivers	Progressive
	#2	12%	A++	Affordable Rates	Geico
	#3	20%	A+	Comprehensive Coverage	Allstate
	#4	15%	B	Reliable Service	State Farm
	#5	12%	A+	Ride-Share Endorsement	Nationwide
	#6	14%	A	Personalized Plans	Farmers
	#7	12%	A	Flexible Coverage	Liberty Mutual
	#8	10%	A++	Military Families	USAA
	#9	9%	A	Flexible Payment	SafeAuto
	#10	8%	A	Non-Standard Policies	The General

This article examines these companies, focusing on the best options for delivery drivers. Find the right coverage for your needs today. Read our guide "What is comprehensive insurance coverage?", for more information.

Our free online comparison tool above allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.

What You Should Know

• Progressive, Geico, and Allstate are the best car insurance companies for Grubhub drivers
• Learn the difference between Rideshare and Commercial insurance
• USAA offers the lowest minimum coverage rate

#1 – Progressive: Top Overall Pick

Pros

• Affordable Rates: Progressive offers some of the lowest rates for Grubhub drivers, starting at $55/month.
• High-Risk Driver Coverage: Progressive specializes in providing coverage for Grubhub drivers with less-than-perfect records.
• Snapshot Program: Grubhub drivers can save more by participating in Progressive's Snapshot program. Learn more about this program in our Progressive review.

Cons

• Claims Processing Speed: Some Grubhub drivers report slower claims processing compared to competitors.
• Mixed Customer Service Reviews: The quality of customer service can vary based on location and agent, this might be frustrating for some Grubhub drivers.

#2 – Geico: Best for Affordable Rates

Pros

• Low Rates: Geico is known for offering some of the cheapest rates for Grubhub drivers.
• Great Customer Service: Highly rated for its customer service and easy claim handling.
• User-Friendly App: The Geico app makes managing insurance on the go easy for Grubhub drivers.

Cons

• Coverage Limitations: Geico has limited specialized coverage options for Grubhub delivery drivers.
• Higher Rates for High-Risk Drivers: Our list of "top car insurance companies for high-risk drivers" mentioned Geico have high rates for high risk drivers.

#3 – Allstate: Best for Comprehensive Coverage

Pros

• Rideshare Endorsement: Offers specific coverage tailored to food delivery drivers, ensuring Grubhub contractors are protected during all phases of their work.
• Drivewise Program: Provides savings for safe driving, benefiting Grubhub drivers. Learn more about Allstate car insurance review and how they provide your premiums.
• Claims Satisfaction Guarantee: Ensures smooth claims processing, crucial for Grubhub drivers who can't afford long downtimes.

Cons

• Potentially Higher Base Rates: Comprehensive coverage options may result in higher initial quotes for Grubhub drivers.
• Complex Discount Structure: Some savings opportunities may be challenging for part-time delivery drivers to fully optimize.

#4 – State Farm: Best for Reliable Service

Pros

• Drive Safe & Save: Offers discounts for safe driving, rewarding Grubhub drivers. Explore State Farm car insurance review to learn more about their discounts.
• Rideshare Driver Coverage: Provides a specific endorsement that can be added to personal policies, covering food delivery activities.
• Strong Local Agent Network: Offers personalized service, which can be beneficial for Grubhub drivers with unique coverage needs.

Cons

• Varying Rideshare Coverage: The extent of delivery driver protection may not be consistent across all states where Grubhub operates.
• Potentially Higher Rates for New Drivers: Less experienced Grubhub contractors might face increased premiums.

#5 – Nationwide: Best for Ride-Share Endorsement

Pros

• On Your Side Review: Annual policy check ensures Grubhub drivers maintain appropriate coverage as their delivery work evolves.
• Vanishing Deductible: Offers a decreasing deductible for each year of safe driving, beneficial for long-term Grubhub contractors.
• SmartRide Program: Provides potential discounts for Grubhub safe drivers. For more details, check our Nationwide car insurance review.

Cons

• Limited Rideshare Availability: Specialized food delivery coverage may not be accessible in all Grubhub operating areas.
• Potential Rate Increases: High-mileage Grubhub work could lead to premium hikes over time.

#6 – Farmers: Best for Personalized Plans

Pros

• Rideshare Coverage: Offers a specific add-on that extends personal auto policies to cover Grubhub delivery activities.
• Signal App: Provides discounts for safe driving habits, which can benefit Grubhub drivers who spend long hours on the road.
• Customizable Deductibles: Allows Grubhub contractors to customize their deductibles. Read more in our Farmers car insurance review.

Cons

• Complex Policy Structure: Multiple coverage options may be confusing for new Grubhub drivers to navigate.
• Potentially Higher Base Rates: Comprehensive coverage might result in higher initial premiums for some delivery drivers.

#7 – Liberty Mutual: Best for Flexible Coverage

Pros

• RightTrack Program: Offers personalized rates based on driving habits, potentially rewarding safe Grubhub delivery practices.
• New Vehicle Replacement: Valuable for Grubhub drivers who uses new cars for deliveries. Discover more in our car insurance review of Liberty Mutual.
• Accident Forgiveness: Helps prevent rate increases after a first-time accident, crucial for high-mileage Grubhub drivers.

Cons

• Coverage Gaps Possible: Standard policies may not fully cover all aspects of Grubhub delivery without specific endorsements.
• State-Dependent Offerings: Available coverage and discounts for delivery drivers may vary significantly by location.

#8 – USAA: Best for Military Families

Pros

• Competitive Rates: Often offers lower premiums, which can be particularly beneficial for part-time Grubhub drivers.
• Flexible Payment Options: Provides various payment plans to accommodate the variable income of Grubhub contractors.
• Rideshare Gap Coverage: Extends protection during the crucial period between turning on the app and accepting an order.

Cons

• Limited Eligibility: As mentioned in our USAA car insurance review they are only available to military members, excluding many Grubhub drivers.
• Incomplete Delivery Coverage: May not fully cover all phases of the Grubhub delivery process.

#9 – SafeAuto: Best for Flexible Payment Plans

Pros

• Low Down Payments: Offers affordable initial payments, helpful for Grubhub drivers starting their delivery careers.
• Flexible Policy Terms: Provides month-to-month policies, ideal for seasonal or part-time Grubhub contractors.
• SR-22 Filings: Assists Grubhub drivers who need to file SR-22 forms. Compare SR-22 insurance in our article titled "Best SR-22 Car Insurance Companies".

Cons

• Limited Coverage Options: May not offer specialized endorsements for food delivery services like Grubhub.
• Potential for Higher Long-Term Costs: Monthly policies might be more expensive over time compared to standard six-month or annual policies.

#10 – The General: Best for Non-Standard Policies

Pros

• Acceptance of High-Risk Drivers: Provides coverage options for Grubhub drivers with less-than-perfect driving records.
• Instant Proof of Insurance: Offers immediate policy documents, essential for Grubhub drivers needing to start work quickly.
• Multiple Discount Opportunities: Provides various ways for Grubhub drivers to lower their premiums. Learn about ways customers save money on their car insurance.

Cons

• Limited Rideshare Coverage: May not offer specific endorsements for food delivery services like Grubhub.
• Potentially Higher Premiums: Rates may be higher for drivers with poor credit or driving histories, which could impact Grubhub earnings.

Car Insurance Coverage for GrubHub Drivers

Grubhub drivers must understand the importance of proper insurance, specifically intended for their delivery work. Grubhub does not provide auto insurance to its drivers, so it is essential that they take care to secure the right coverage.

Below is a table outlining the minimum and full coverage monthly rates from best car insurance companies, helping drivers choose the most affordable and comprehensive insurance while working for Grubhub.

Insurance Company	Minimum Coverage	Full Coverage
	$68	$155
	$64	$152
	$58	$140
	$62	$150
	$60	$148
	$65	$150
	$70	$160
	$63	$145
	$72	$165
	$55	$135

As a Grubhub driver, securing the appropriate insurance coverage is essential for protecting yourself and your vehicle. Make sure to evaluate the best plan based on your driving needs to stay covered during your Grubhub deliveries.

Grubhub’s Car Insurance Requirements

Grubhub drivers have to depend on their own insurance, whether personal or commercial. DoorDash and Uber Eats, on the other hand, provide up to a million dollars in liability coverage when their drivers are delivering.

This leaves Grubhub drivers more exposed. Without the right insurance, including accident forgiveness, they risk facing heavy costs if something goes wrong during a delivery. It is crucial for these drivers to secure proper coverage to protect themselves from expenses that others would handle.

Read More: What is Liability Car Insurance

Rideshare vs. Commercial Insurance: Why It’s Crucial for Grubhub Drivers

Grubhub drivers face coverage issues because personal auto insurance generally excludes delivery services. If an accident occurs while delivering, a personal policy may deny the claim, leaving drivers responsible for damages.

Rideshare insurance covers drivers while logged into Grubhub but not actively delivering, making it a cost-effective option for part-time use.

Commercial insurance, designed for full-time drivers, covers the entire delivery process. Make sure you know what kind of car insurance you really need to get peace of mind during deliveries.

Discounts and Ways to Reduce Premiums for Grubhub Drivers

Grubhub drivers can save a lot of money on insurance premiums by using different offers from the best companies. These savings help ensure affordable, reliable coverage while delivering.

Insurance Company	Available Discount
	Early Signing, Safe Driver, Drivewise, Delivery Driver Discount
	Multi-Policy, Signal App, Occupational Discounts
	Multi-Vehicle, Defensive Driving, Ride-Share Insurance
	Multi-Policy, Ride-Share Coverage, New Vehicle Discount
	Multi-Policy, SmartRide, Delivery Driver Discount
	Multi-Policy, Continuous Coverage, Delivery Driver Discount
	Multi-Policy, Defensive Driving, SR-22 Coverage
	Multi-Policy, Safe Driver, Delivery Driver Discount
	Multi-Policy, Ride-Share Coverage, Paid-in-Full
	Multi-Vehicle, Safe Driver, Delivery Driver Discount

Maximizing available discounts ensures you stay covered while lowering your insurance costs. Read our article titled "Ultimate Guide to Switching Car Insurance Companies to Save Money" for more information.

Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code below to begin.

Frequently Asked Questions

How much is commercial auto insurance in Florida?

On average, commercial auto insurance in Florida costs $266 per month. However, many small businesses pay less than $100 monthly for their policies.

How much is monthly car insurance in Florida?

In Florida, full coverage car insurance costs an average of $288 per month, while minimum coverage is $88 per month. Full coverage car insurance in Florida costs 48 percent more than the average cost of car insurance nationwide.

Who typically has the cheapest car insurance?

USAA offers the lowest rates but is only available to military members and their families. USAA is one of the best military car insurance.

How much should I pay for car insurance?

Grubhub drivers typically pay between $100 to $250 per month for car insurance, depending on factors like location, driving history, and coverage needs. Be sure to look for rideshare or delivery driver coverage to ensure you're fully protected while working.

Do I need special insurance to drive for Grubhub?

While Grubhub provides some insurance coverage, it's often limited. Most personal auto policies don't cover commercial activities, so you may need a rideshare endorsement or commercial auto insurance to be fully protected while making deliveries. Read More: What Kind of Car Insurance You Really Need

Which insurance companies offer the best coverage for food delivery drivers?

Companies like Geico, Progressive, and State Farm often provide comprehensive coverage options for food delivery drivers, including specific rideshare or delivery endorsements.

How much does car insurance typically cost for Grubhub drivers?

Insurance costs can vary widely depending on factors like your location, driving record, and coverage level. However, adding a rideshare or delivery endorsement typically increases your premium by 15-20% on average.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.

Can I use my personal auto insurance policy when driving for Grubhub?

Most personal auto policies don't cover commercial activities like food delivery. It's crucial to inform your insurance company about your Grubhub driving and potentially add a rideshare or delivery endorsement to your policy.

What should I look for in an insurance policy as a Grubhub driver?

Look for policies that offer rideshare or delivery endorsements, comprehensive and collision coverage, and flexible options that can accommodate your varying hours. Also, consider insurers with good customer service and efficient claims processing.

Read More: Best Rideshare Car Insurance Companies

Are there any discounts available specifically for food delivery drivers?

While there aren't typically discounts specifically for food delivery drivers, many insurers offer discounts that can benefit Grubhub drivers, such as safe driver discounts, low-mileage discounts (for part-time drivers), and discounts for completing defensive driving courses.

Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.