Best Auto Insurance to Domino’s Pizza Delivery Drivers in 2024

While Domino’s may “guarantee your pizza looks and tastes great when you come to your favorite Domino’s location to pick it up” and may even provide health insurance depending on the state and store, it doesn’t offer Domino’s Pizza insurance for drivers. Every driver should know personal car insurance isn’t designed to cover extensive work-related travel. Many companies now ask if you provide delivery or other car services to adjust accordingly. Why?

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.

Does Domino Pizza offer auto insurance for drivers?

Domino’s Pizza offers its customers “carry-out insurance.” In other words, does your pizza meet a set standard when you get it? The company’s drivers must provide their own pizza delivery for their cars. Before you start, Domino’s does have requirements for what insurance its drivers need to carry, as we will see below.

If you are planning on driving professionally, even part-time, you need to make sure you and your vehicle have adequate coverage.

Read more:

• Pizza Delivery Auto Insurance: Rates & Requirements
• Round Table Pizza Auto Insurance: Rates & Requirements
• Will my auto insurance cover locksmiths?

What are the coverage requirements for a business 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.

Since you will be using your personal vehicle professionally, you should carry commercial auto insurance along with your personal insurance policy. 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.

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 jobs, you should always know exactly how much it will cost you.

To find affordable food delivery auto insurance near you, enter your ZIP code above.

What is the difference between personal vs. 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

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.

How much does Domino’s delivery driver insurance cost?

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 across the U.S. based on vehicle type.

Monthly Costs for Commercial Auto Insurance by Vehicle & Coverage Type

Costs are based on factors like location, the service you offer, and average hours per week depending on who’s quoting you. Delivering an American cheese vs a Philly cheese steak pizza won’t change your quote. Choosing more comprehensive coverage that would reduce your costs after an accident also increases rates compared to minimal coverage.

Before you buy food delivery auto insurance, use the search tool below to find great quotes in your area.