Best Auto Insurance for Domino’s Pizza Delivery Drivers in 2025 (Top 10 Companies Ranked)
The best auto insurance for Domino's Pizza delivery drivers includes Progressive, Geico, and State Farm. Progressive's car insurance rates start at $100/month for minimum coverage. These companies offer plans designed just for delivery drivers, helping them stay safe on the job.
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Jimmy McMillan
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Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
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UPDATED: Jan 20, 2025
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 20, 2025
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 partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
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17,760 reviewsThe best auto insurance for Domino’s Pizza delivery drivers includes Progressive, Geico, and State Farm, with rates starting at $163/month. Progressive is great because it offers low rates and friendly customer service.
State Farm and Geico also offer solid plans that drivers can adjust to fit their needs. These providers give coverage specifically designed for delivery drivers, ensuring both affordable and complete protection.
Our Top 10 Company Picks: Best Auto Insurance to Domino's Pizza Delivery Drivers
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Qualifying Coverage | Progressive |
 | #2 | 25% | A++ | Lowest Rates | Geico |
 | #3 | 17% | B | Student Savings | State Farm |
 | #4 | 25% | A+ | Customizable Policies | Allstate |
 | #5 | 20% | A+ | Flexible Coverage | Nationwide |
 | #6 | 10% | A++ | Military Support | USAA |
 | #7 | 25% | A+ | High Satisfaction | Erie |
 | #8 | 20% | A | Multiple Discounts | Farmers |
 | #9 | 25% | A | Telematics Savings | Liberty Mutual |
 | #10 | 5% | A+ | AARP Benefits | The Hartford |
Pizza delivery drivers can get special extras like rideshare coverage, which bridges the gap between personal and work insurance to provide added peace of mind. Find the best auto insurance for pizza delivery drivers for more details.
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- The best auto insurance for Domino’s Pizza delivery drivers starts at $163/month
- Coverage includes protection for high mileage, vehicle wear, and accidents
- Progressive stands out for competitive rates and reliable service
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#1 – Progressive: Top Pick Overall
Pros
- Great Bundling Options: Progressive makes it simple for Domino’s pizza delivery drivers to save money. By bundling their insurance policies, they can get a 10% discount and keep more cash in their pockets.
- Reliable Coverage: Progressive offers many types of coverage, like plans that protect Domino’s pizza delivery drivers if they cause damage or need full protection for their vehicle.
- Affordable Rates: Progressive car insurance rates start at $190/month for full coverage, making it easier for Domino’s pizza delivery drivers to handle their insurance costs.
Cons
- Increased Costs for Higher Limits: Full coverage for Domino’s pizza delivery drivers might cost more than some other insurance companies charge. Check this Progressive Auto Insurance Review to learn more.
- Limited Financial Strength Rating: With an A+ rating, it may not be the best option for Domino’s pizza delivery drivers prioritizing financial stability.
#2 – Geico: Best for Lowest Rates
Pros
- Affordable Rates: Geico provides affordable car insurance, helping Domino’s Pizza drivers save money. Find out more in this Geico Auto Insurance Review.
- Strong Bundling Discount: Domino’s pizza delivery drivers can save 25% on insurance when they bundle two or more policies together.
- Flexible Coverage Options: Geico lets Domino’s pizza delivery drivers pick coverage plans that fit their needs and budget. This way, they can choose what works best for them.
Cons
- Basic Service: Customer service for Domino’s pizza delivery drivers might feel less personalized than other companies.
- Limited Add-ons: Geico may offer fewer additional policy options for Domino’s pizza delivery drivers.
#3 – State Farm: Best for Students Savings
Pros
- Good Student Savings: State Farm offers student savings, making it ideal for younger Domino’s pizza delivery drivers. Look at this State Farm Auto Insurance Review for more details.
- Bundling Discounts: State Farm offers Domino’s pizza delivery drivers a 17% discount when they bundle multiple policies.
- Affordable Rates: They keep rates starting at $90/month for full coverage, helping Domino’s pizza delivery drivers get the coverage they need at a good cost.
Cons
- Limited Coverage: State Farm may offer fewer policy options than some other insurers, which could limit choices for Domino’s pizza delivery drivers.
- Lower A.M. Best Rating: With a B rating, the financial stability offer for Domino’s pizza delivery drivers is slightly lower compared to top-rated providers.
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#4 – Allstate: Best for Customizable Policies
Pros
- Customizable Policies: Allstate offers customizable policies for Domino’s pizza delivery drivers, including coverage options such as liability, comprehensive, collision, and personal injury protection.
- Considerable Bundling Discount: They give a 25% discount for Domino’s pizza drivers when you combine policies.
- Competitive Full Coverage Rates: Allstate maintains reasonable full coverage rates at $105/month to keep insurance costs low for Domino’s pizza delivery drivers.
Cons
- Higher Minimum Rates: Starting rates for Domino’s pizza delivery drivers may be higher than some competitors’ offers. Read this Allstate Auto Insurance Review to learn more.
- Limited Telematics Savings: Telematic-based savings may not be as extensive for Domino’s pizza delivery drivers as those offered by other companies.
#5 – Nationwide: Best for Flexible Coverage
Pros
- Flexible Coverage: Nationwide offers choices that can be adjusted to meet the different needs of Domino’s pizza drivers as they deliver.
- Good Bundling Discounts: They offer a 20% discount for multiple bundling policies for Domino’s pizza delivery drivers. Check this Nationwide Auto Insurance Review for more info.
- Competitive Rates: Nationwide keeps the cost at $95/month for full coverage, which makes it a budget-friendly option for Domino’s pizza delivery drivers.
Cons
- Less Variety in Add-ons: Nationwide might not have as many extra coverage options for Domino’s pizza delivery drivers.
- Limited Availability: Nationwide’s policies may not be available in all states, which could restrict access for some Domino’s pizza delivery drivers.
#6 – USAA: Best for Military Support
Pros
- Military-Friendly: Offers excellent support for military members, ideal for Domino’s pizza delivery drivers with service backgrounds.
- Reliable Bundling Discount: They offer a 10% bundling discount for Domino’s pizza delivery drivers with multiple policies. For more details, check this USAA Auto Insurance Review.
- Low Rates: USAA rates for full coverage remain at $73/month, reducing overall insurance expenses for Domino’s pizza delivery delivery drivers.
Cons
- Limited Access: Their service is only for military members and their families, so it’s unavailable for Domino’s pizza delivery drivers who haven’t served the military.
- Fewer Customization Options: USAA may have fewer policy customization options for Domino’s pizza delivery drivers.
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#7 – Erie: Best for High Satisfaction
Pros
- High Customer Satisfaction: Consistently ranks high in satisfaction among providers who offer Domino’s pizza delivery coverage. For more details, check this Erie Auto Insurance Review.
- Strong Bundling Discount: Erie offers a 25% discount when Domino’s pizza delivery drivers bundle multiple policies.
- Competitive Rates: Erie offers low-cost insurance starting at $80/month for full coverage, helping Domino’s pizza delivery drivers save on coverage.
Cons
- Higher Minimum Coverage: Domino’s pizza delivery drivers might pay a little more for minimum coverage compared to what some other companies offer.
- Limited Regional Availability: Services are mostly offered in certain areas, which is not a good option for Domino’s pizza delivery drivers.
#8 – Farmers: Best for Multiple Discounts
Pros
- Multiple Discounts: Farmers offer many discounts, like bundling and multi-vehicle, which help Domino’s pizza delivery drivers save even more money.
- Reliable Bundling Discount: They offer a 20% discount for Domino’s pizza delivery drivers bundled policies.
- Competitive Rates: Farmers keep rates starting at $98/month for full coverage, helping drivers save on insurance costs.
Cons
- Limited Customization: Some Domino’s pizza delivery drivers may find the policy options less flexible. For more information, check this Farmers Auto Insurance Review.
- Higher Rates for Young Drivers: Farmers may charge higher premiums for younger drivers, which could affect younger Domino’s pizza delivery drivers.
#9 – Liberty Mutual: Best for Telematics Savings
Pros
- Telematics Savings: Liberty Mutual offers substantial savings through telematics, reducing costs for safe drivers among Domino’s pizza delivery drivers.
- Large Bundling Discount: They offer a 25% discount for Domino’s pizza delivery drivers who bundle multiple policies.
- Competitive Full Coverage: Liberty Mutual maintains low rates starting at $105/month for full coverage, helping drivers save on insurance costs.
Cons
- Higher Minimum Rates: Starting rates can be higher for some Domino’s pizza delivery drivers than other insurers’ offers. For more details, check this Liberty Mutual Auto Insurance Review.
- Limited Coverage for Specific Needs: There might be a lack of specialized coverage options for Domino’s Pizza drivers’ unique delivery situations.
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#10 – The Hartford: Best for AARP Benefits
Pros
- AARP Benefits: The Hartford provides benefits tailored for older drivers, which is perfect for Domino’s pizza delivery drivers in this age group.
- Small Bundling Discount: AARP offers a 5% discount for Domino’s pizza delivery drivers who bundle policies. For more details, check The Hartford Company Auto Insurance Review.
- Competitive Rates: AARP keeps rates at $112/month for full coverage, making insurance more affordable for Domino’s pizza delivery drivers.
Cons
- Limited Coverage Options: They might not offer Domino’s pizza delivery drivers as many customization choices as some other providers, which could limit how well it fits specific coverage needs.
- Limited Regional Coverage: Services are mainly available in specific regions that are unsuitable for some Domino’s pizza delivery drivers.
The Importance of Commercial Auto Insurance for Food Delivery Drivers
As a food delivery driver, you are in your car a lot, racking up more miles. More time also means more opportunities to get in an accident. If you are involved in an accident while delivering pizza, you will want to make sure you have commercial auto insurance to protect you, your vehicle, and those around you.
Domino's Pizza Delivery Drivers Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $110 | $195 |
| $80 | $165 |
| $98 | $188 |
| $77 | $163 |
| $105 | $200 |
| $95 | $185 |
| $100 | $190 |
| $90 | $175 |
| $112 | $210 |
| $73 | $155 |
Commercial auto insurance is very important because personal auto insurance usually doesn’t cover accidents that happen while you’re delivering food. Without it, you might have to pay for damages, injuries, or even legal costs alone, which can be overwhelming.
Domino’s Pizza delivery drivers need to evaluate their coverage to protect against accidents and liability risks while on the road.
Jeffrey Manola Licensed Insurance Agent
Additionally, investing in commercial auto insurance ensures you meet legal requirements and gain peace of mind, knowing you’re covered for the unique risks of food delivery.
Domino Pizza’s Policy on Auto Insurance for Drivers
Domino’s Pizza offers its customers “Domino’s carry-out insurance.” In other words, does your pizza meet a set standard when you get it? The company’s drivers must provide their pizza delivery for their cars. Before you start, Domino’s has requirements for what insurance its drivers must carry.
If you plan on driving professionally, even part-time, you need to ensure you and your vehicle have adequate coverage. They require its delivery drivers to have their own car insurance that meets state laws. Get more details on the different auto insurance coverage options.
It’s no joke how much money you can save when you bundle with the Personal Price Plan®. It is pretty funny though. pic.twitter.com/COhT4EGKg0
— State Farm (@StateFarm) December 10, 2024
Since regular insurance often doesn’t cover accidents during deliveries, drivers usually need extra coverage like commercial or delivery insurance. This insurance is a key part of Domino’s delivery policy, ensuring that drivers are protected in case of accidents or incidents while delivering pizza.
Additionally, with delivering pizza insurance, drivers can have peace of mind knowing they are supported on the road. However, Domino’s does not fully insure drivers, so it is the responsibility of the drivers to secure the necessary protection while on the job.
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Coverage Requirements for Business Insurance Policies
Does Domino’s have insurance for drivers? Yes, Domino’s offers coverage for their delivery drivers through their insurance policy. As a delivery driver for Domino’s Pizza, the company requires that you carry at least the state minimum liability auto insurance coverage.
However, since you will be using your personal vehicle for work purposes, it is recommended to carry both commercial auto insurance and your personal insurance policy to ensure comprehensive coverage.
Whether you work in ride shares, food delivery, or something else, insurers are asking up front to provide the right kind of coverage. Be sure you speak with your insurance agent before you buy business insurance coverage to make sure you are meeting both state and insurance company standards.
Auto Insurance Discounts From the Top Providers for Domino's Pizza Delivery Drivers
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Club, Early Signing, Bundling, Multiple Vehicle, Smart Student, Good Payer, Safe Driver Rewards, Deductible Rewards, Anti-Theft Device, Anti-Lock Brake, Utility Discount, eSmart, Full Pay, TeenSmart Driver Education |
| Safe Driver, Bundling, Multi-Car, Reduced Usage, Young Driver, Driver Training, Accident Forgiveness, Rate Lock, First Accident Forgiveness |
| Bundling, Safe Driver, Good Student, Pay-in-Full, Anti-Theft Device, Driver Training, Homeowner, Distant Student, Signal (usage-based), ePolicy, Professional Group, Affinity Discount |
| Bundling, Multi-Car, Good Driver, Good Student, Emergency Deployment (for military), Defensive Driving Course, New Car, Vehicle Equipment (anti-theft, airbags), Membership or Employment, Seat Belt Use, Federal Employee, Driver’s Education |
| Bundling, Good Student, Military, New Graduate, New Move, Hybrid Vehicle, Multi-Car, Accident-Free, Paperless, Early Shopper, Alternative Fuel, Vehicle Safety Equipment, Telematics (RightTrack) |
| Bundling, Accident-Free, Good Student, SmartRide (usage-based), SmartMiles (pay-per-mile), Anti-Theft Device, Defensive Driving, Paperless, Automatic Payment, Family Discount |
| Good Driver, Bundling, Multi-Car, Snapshot (usage-based), Pay-in-Full, Homeowner, Teen Driver, Student Away at School, Defensive Driving Course, Continuous Insurance, Online Quote, Paperless |
| Bundling, Safe Driver, Good Student, Steer Clear (for young drivers), Drive Safe & Save (usage-based), Defensive Driving Course, Accident-Free, Vehicle Safety Equipment |
| Bundling, Safe Driver, Defensive Driver, Accident Forgiveness, AARP Membership, Pay-in-Full, Vehicle Safety Features, Disappearing Deductible, New Car Replacement, RecoverCare Assistance |
| Bundling, Good Driver, Good Student, Vehicle Storage, Defensive Driving, Military Installation, Family or Loyalty, Annual Mileage, Driver Training, SafePilot (usage-based) |
Your personal auto insurance covers you while you’re driving to and from work or recreational activities. Your business insurance covers you while you’re making deliveries. Having both is critical, and many companies will offer bundling discounts to make it more affordable. Before you take any delivery job, you should always know exactly how much it will cost you.
The Difference Between Personal and Commercial Auto Insurance Policies
Any time you’re shopping for different types of insurance, you should know what you’re looking at. Here’s a table that details the differences between personal and commercial auto insurance.
Personal vs. Business Auto Insurance Uses
| Personal Auto Insurance | Business Auto Insurance |
|---|---|
| Driving to pick up lunch for you and your co-workers | Driving to deliver food to paying customers |
| Driving to your job site | Hauling tools and equipment to your job site |
| Going on weekend road trips | Meeting work clients and visiting job sites |
| Driving friends to the airport | Driving paying customers to the airport |
| Using your car for business less than 3 times per month | Using your car for business 500 miles a week or more |
As you can see, when you are using your vehicle in a work-related capacity, you should make sure you are covered by a commercial auto insurance policy.
The Cost of Domino’s Delivery Driver Insurance
Since Domino’s doesn’t offer auto insurance, you need to get a commercial insurance quote on your own. This table lists the average rates based on vehicle type. Costs are based on factors like location, the service you offer, and average hours per week, depending on who’s quoting you.
Monthly Commercial Auto Insurance Rates by Vehicle & Coverage Type
| Vehicle Type | Minimum Coverage | Full Coverage |
|---|---|---|
| Cab | $417 | $833 |
| Car | $50 | $200 |
| Cargo/Delivery Van | $275 | $517 |
| Limo | $333 | $500 |
| Semi | $667 | $1,042 |
Delivering an American cheese vs a Philly cheese steak pizza will keep your quote the same. Choosing more comprehensive coverage that would reduce your costs after an accident also increases rates compared to minimal coverage.
Review the best auto insurance for food delivery drivers for more information.
Commercial auto insurance provides essential coverage for Domino’s Pizza delivery drivers, safeguarding them from unexpected accidents and liability risks.
Tim Bain Licensed Insurance Agent
Additionally, most personal car insurance policies won’t cover you if you’re using your car for work, so having a separate commercial policy is really important. When you ask for a quote, insurance companies might also want to know about your driving record and see proof that you take good care of your car.
Case Studies: Real-Life Scenarios of Domino’s Pizza Delivery Drivers
Domino’s Pizza delivery drivers deal with specific challenges that need special insurance. These stories show how specialized types of auto insurance coverage have helped drivers stay safe and concentrate on their jobs.
Case Study #1: Accident Coverage
John, who drives for Domino’s, had a minor accident when he accidentally hit another car while delivering a pizza. His commercial auto insurance covered the repair and medical bills, so he could keep delivering without delays.
Case Study #2: Liability Protection
Sarah faced a lawsuit after an accident and someone claimed they were injured. Thankfully, her insurance covered the lawyer and any settlement, so her belongings stayed safe.
Case Study #3: Comprehensive Coverage for Property Damage
Mark had a bad accident that badly damaged his car. Thankfully, his full coverage insurance fixed it and gave him a rental car to keep delivering pizzas without any breaks.
These examples show how commercial auto insurance is essential for Domino’s Pizza delivery drivers. It helps keep them safe and worry-free while they’re working.
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Ensuring the Best Auto Insurance for Domino’s Pizza Delivery Drivers
For Domino’s pizza delivery drivers, having the right auto insurance is crucial for protection and peace of mind. Tailored coverage ensures financial security during deliveries and commutes. Selecting providers who understand the specific needs of delivery drivers provides added support and confidence on the road. For more details, check this “Delivery.com Auto Insurance: Rates & Requirements” guide.
Additionally, does Domino’s insure their drivers is a common question among potential employees seeking clarity on their safety and coverage. Domino’s car insurance plays a crucial role in providing a secure working environment for delivery personnel, allowing them to focus on delivering orders without worrying about insurance concerns.
Selecting reliable insurance helps drivers manage both regular driving and the specific demands of delivery work. With the right coverage, Domino’s drivers can focus on delivering with confidence and safety. Start comparing total coverage auto insurance rates by entering your ZIP code here.
Frequently Asked Questions
What is the difference between commercial and personal auto insurance for delivery drivers?
Commercial auto insurance covers business-related driving, while personal auto insurance is for personal use. Delivery drivers need commercial policies to protect against work-related risks. If you’re applying for pizza delivery jobs, it’s vital to check pizza delivery insurance requirements and assess the pizza delivery insurance cost.
What types of vehicles are eligible for commercial auto insurance?
Most business vehicles, including cars, vans, trucks, and motorcycles, are eligible. Overall, whether it’s about Domino’s car or broader concerns like pizza insurance, navigating the nuances of Domino’s insurance ensures safety and accountability in the world of pizza delivery. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.
Can commercial auto insurance cover a stolen delivery vehicle?
Yes, comprehensive coverage includes protection for stolen vehicles. Therefore, always confirm with your manager whether Domino’s car policies adequately address your needs for safe and secure work. For more details, visit this “Auto Insurance Coverage: What events are and are not covered by your policy?” guide.
How does liability coverage help Domino’s delivery drivers?
It covers legal claims for injuries or damages caused during deliveries, including medical expenses and legal fees. For employees seeking pizza delivery jobs, understanding pizza delivery insurance requirements is crucial to avoid unexpected liabilities.
What happens if a driver gets in an accident while making a personal errand during a shift?
Commercial policies exclude personal use, meaning the incident may not be covered. It’s important to note that Domino’s delivery insurance or Domino’s pizza insurance mainly focuses on orders rather than full-fledged vehicle protection.
What does comprehensive coverage for delivery drivers include?
It covers theft, vandalism, fire, and other non-collision incidents that cause vehicle damage. Prospective employees looking into pizza delivery jobs should also be aware of pizza delivery insurance requirements, which might include personal policies like cheap pizza delivery insurance to meet company standards. Check out this “Comprehensive and Collision Auto Insurance Coverage” guide for more info.
Do Domino’s Pizza delivery drivers need commercial auto insurance?
Yes, it provides coverage specifically for business driving, protecting against accidents, property damage, and liability risks. For those employed as Domino’s drivers, the company provides specific policies like Domino’s driver insurance and Domino’s delivery insurance, which are designed to protect employees while on the job.
Is personal property inside the delivery vehicle covered?
Typically, personal property isn’t covered, and separate insurance is needed for personal belongings. Whether you’re curious about Domino’s carryout insurance, delivery insurance, or broader topics like pizza insurance, it’s important to research all aspects before becoming a driver or using a Domino’s car for deliveries.
What steps should a driver take after an accident?
Drivers should ensure safety, report to their insurance, and document the incident with photos and reports. While it helps mitigate risks, reviewing the potential pizza delivery insurance cost is important to ensure compliance with both company policies and legal obligations. See this “What is liability auto insurance?” guide for additional info.
How does insurance improve a driver’s job security?
It protects against financial risks, allowing drivers to continue working with peace of mind. Domino’s offers programs like Domino’s delivery insurance and Domino’s carryout insurance for customers, but these are separate from the coverage for Domino’s drivers. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
Enter your ZIP code below to compare auto insurance rates.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.