Best Auto Insurance for Pizza Delivery Drivers in 2024
Do you need pizza delivery auto insurance to work as a delivery driver? In most cases, you need more insurance coverage than your personal auto insurance policy. Commerical and business-use auto insurance coverage will help keep you fully insured even while you are working. Read more to find out the specifics of pizza delivery auto insurance and compare insurance quotes.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 27, 2024
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.
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: Nov 27, 2024
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.
On This Page
- Pizza delivery can be a risky occupation since the object of the job is to deliver a hot pizza in a timely fashion.
- Personal auto insurance policies will likely not cover your car during deliveries if you use a personal car.
- Auto insurance is also vital for restaurants to have since they can be held liable for damages caused by their drivers.
- Just because your restaurant has coverage protecting them from liability doesn’t mean your car will be covered in the event of an accident, and you could end up paying for repairs and damages out of your own pocket.
Pizza delivery is one of the few food delivery jobs that is still primarily done by chain restaurant companies like Dominos, Papa Johns, etc, or small local restaurants. Uber Eats and other food delivery app-based companies have yet to make solid in-roads in this sector of food delivery.
Read more: Papa John’s Auto Insurance: Rates & Requirements 2023
Pizza delivery is a great job for people working while in high school or college, and it is a great way to earn tips and work flexible hours. Still, when it comes to pizza delivery auto insurance, there are some complications and issues to keep in mind.
Are you driving your own car? Are you driving a company-provided car? Does the company have pizza delivery auto insurance on your car or on the company car? Does your personal auto insurance cover you while you are working?
These are all very important considerations and questions to ask your employer and your insurance agent. The last thing you want is to be held liable for damages and without auto insurance coverage to protect you. Let’s take a closer look at what insurance considerations you should be thinking about.
Are you ready to compare pizza delivery auto insurance quotes in your local area? Enter your ZIP code above to get started, and find the best pizza delivery auto insurance rates in your town.
Do I need special drivers’ insurance coverage to deliver pizzas?
Are you driving your personal vehicle while you are delivering pizzas? If you’re driving a company-owned car while working to deliver pizzas, the liability for all accidents and damages to the vehicle and others is assumed by the restaurant. In this situation, they should have auto insurance coverage for the vehicle you are driving to deliver pizzas.
You won’t have to worry about purchasing additional insurance coverage to stay covered while working as a delivery driver. However, any traffic violations that occur while you are driving the company-owned vehicle will be attributed to your driver’s license. Speeding tickets and other violations accrued on the job could affect your personal auto insurance rates.
If you’re driving your own vehicle to deliver pizzas, you will likely need more than just your personal auto insurance policy. In most cases, due to the increased risk associated with delivery driving, you will need to get an additional commercial auto insurance policy or add business-use coverage to your existing personal auto insurance coverage.
Restaurants and delivery drivers alike can take a look at this table below and see the average costs of commercial auto insurance based on vehicle type.
Monthly Costs for Commercial Auto Insurance 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 |
As you can see, the annual costs for commercial auto insurance for a car are not too steep. If your employer asks you to use your own car to deliver pizzas, ask them to help you cover the costs of adding commercial auto insurance to your existing coverage.
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Is there Domino’s delivery insurance for drivers?
Domino’s cannot provide blanket auto insurance coverage for every one of their drivers because each auto insurance policy is based on the specific car being used. If you are using your own car to deliver pizzas for Domino’s or any other restaurant, you are going to have to supply your own driver’s insurance.
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Read more:
- Domino’s Pizza Auto Insurance: Rates & Requirements
- Blaze Pizza Auto Insurance: Rates & Requirements
- Little Caesars Pizza Auto Insurance: Rates & Requirements
What happens if I don’t tell my auto insurance company I’m using my personal car to make deliveries?
Being anything less than completely honest with your auto insurance company is a very bad idea. If you are in an accident while making a pizza delivery, your auto insurance is unlikely to cover any claims that you make if all you have is a personal auto insurance policy.
Personal auto insurance policies typically exclude business activities like deliveries because of the increased risk. Furthermore, if you’re caught in a lie with your auto insurance company, they could drop your coverage completely, leaving you with no insurance coverage.
I own a pizza restaurant; should I have a commercial auto insurance policy?
Are you giving your delivery drivers a company vehicle to use to make pizza deliveries? If you are, you need to have commercial auto insurance on all of your vehicles used for the business. However, even if you are relying on your pizza delivery drivers to supply their own vehicles, you probably still want to have some insurance coverage in case they cause an accident.
If one of your delivery drivers causes an accident while in the course of doing their job, the business could be held liable for damages even if the driver has their own commercial and personal auto insurance policies.
Therefore it is critical any business owners who are employing pizza delivery drivers also carry non-owned auto insurance coverage. This will help protect the business in case there is an accident.
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What’s the bottom line?
If you’re working to deliver pizzas, you need to have commercial auto insurance because your personal auto insurance policy will not cover you while you are working. If you are given a company vehicle to use for deliveries, remember all traffic infractions will count against you personally, and this could affect your auto insurance rates if you rack up tickets.
Businesses employing delivery drivers also need to carry insurance, whether it is commercial or non-owned auto insurance, in the event there is an accident for which the business could potentially be liable.
If you’re ready to buy pizza delivery auto insurance, enter your ZIP code below to compare cheap pizza delivery auto insurance rates in your area.
Read more: Godfather’s Pizza Auto Insurance: Rates & Requirements
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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.