Best Auto Insurance for Pizza Delivery Drivers in 2025 (Top 10 Companies Ranked)

The best auto insurance for pizza delivery drivers comes from Mercury, Geico, and Erie Insurance, with rates starting at just $47 per month.  All three companies give pizza delivery drivers the right protection for their needs.

Pizza delivery is one of the few food delivery jobs that is still primarily done by chain restaurant companies like Domino’s, Papa John’s, etc., or small local restaurants. For more details, explore Papa John’s auto insurance rates and requirements

Our Top 10 Company Picks: Best Auto Insurance for Pizza Delivery Drivers

These are all very important considerations and questions to ask your employer and your insurance agent.

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#1 – Mercury: Best Overall Pick

Pros

• Great Value: Mercury gives pizza delivery drivers solid coverage at a budget-friendly $58/mo for minimum coverage. Learn everything in our Mercury Auto Insurance Review.
• Affordable Rates: Drivers can save money with Mercury’s low monthly costs while still getting great protection.
• Flexible Options: Mercury’s plans are easy to adjust, so pizza delivery drivers can find what fits their needs best.

Cons

• Not Available Everywhere: Mercury doesn’t offer coverage in all states, which can be a problem for some pizza delivery drivers.
• Fewer Discounts: Mercury doesn’t have as many savings options as some other companies, which might mean less savings for pizza delivery drivers.

#2 – Geico: Best for Affordable Coverage

Pros

• Low Monthly Rates: Geico offers the most affordable auto insurance for pizza delivery drivers, with minimum coverage starting at just $52/mo. Get more details in this Geico Auto Insurance Review.
• 24/7 Customer Support: Geico’s around-the-clock customer service makes it easy for pizza delivery drivers to manage their policies anytime.
• User-Friendly Digital Tools: Geico’s mobile app simplifies policy management and claim filing for pizza delivery drivers.

Cons

• Limited Specialized Options: Geico may not offer as many specialized coverage options for pizza delivery drivers.
• High Premiums for Drivers: Even with the best auto insurance for pizza delivery drivers, those with tickets or accidents may face higher premiums.

#3 – Erie: Best for Lowest Rates

Pros

• Super Low Rates: Erie has some of the cheapest auto insurance options for pizza delivery drivers., with minimum coverage starting at just $47/mo.
• Easy Claims Process: Filing a claim with Erie is simple and hassle-free, which is great for pizza delivery drivers. For details, visit our Erie Auto Insurance Review.
• Local Agents: Erie has local agents ready to help, giving pizza delivery drivers personalized advice and support.

Cons

• Only in Certain Areas: Erie isn’t available everywhere, so some pizza delivery drivers might not have access to its policies.
• Limited Online Tools: Erie’s website and app aren’t as advanced as those of other auto insurance providers for pizza delivery drivers.

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#4 – Progressive: Best for Flexible Policies

Pros

• Customizable Coverage: Progressive lets you adjust your policy to fit what you need, which is awesome for pizza delivery drivers.
• Affordable Rates: Starting at $55 per month for minimum coverage, Progressive offers great value to pizza delivery drivers. Check out our Progressive Auto Insurance Review.
• Snapshot Program: Progressive’s usage-based insurance program helps pizza delivery drivers save even more.

Cons

• Higher Costs: Full coverage policies can be pricier than other auto insurance coverage options for pizza delivery drivers.
• Mixed Customer Reviews: Some pizza delivery drivers report inconsistencies in customer service.

#5 – State Farm: Best for Reliable Service

Pros

• Trusted Reputation: State Farm is known for its reliability, making it a great choice for pizza delivery drivers. Check out our State Farm Auto Insurance Review for more details.
• Affordable Rates: Minimum coverage starts at just $50 per month, making it one of the best options for pizza delivery drivers.
• Local Support: State Farm has a lot of agents available to help pizza delivery drivers with their needs.

Cons

• Fewer Discounts: State Farm doesn’t offer as many discounts for pizza delivery drivers as other companies.
• Young Drivers Pay More: Young pizza delivery drivers might pay more, even with minimum coverage.

#6 – Dairyland: Best for Specialized Coverage

Pros

• Specialized Options: Dairyland has special policies made just for high-risk pizza delivery drivers, making it one of the best choices for these types of drivers.
• Affordable Minimum Coverage: At $62 per month, Dairyland gives great rates for pizza delivery driver policies. Learn more about green commuting.
• Flexible Payment Plans: Dairyland allows pizza delivery drivers to manage costs with flexible payment options.

Cons

• Higher Rates: Standard policies may cost more than auto insurance for pizza delivery drivers.
• Limited Digital Tools: Dairyland’s online tools and app features are less advanced than some competitors, making policy management harder for pizza delivery drivers.

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#7 – Farmers: Best for Discount Options

Pros

• Lots of Discounts: Farmers offers several discounts to help pizza delivery drivers save on their premiums, making it one of the best auto insurance options.
• Affordable Rates: With rates starting at $57 per month, Farmers gives pizza delivery drivers solid coverage at a good price. Learn more in this Farmers Auto Insurance Review.
• Great Customer Support: Farmers is known for great customer service, so pizza delivery drivers can easily get the help they need.

Cons

• Confusing Pricing: The discount options and pricing can be tricky for some pizza delivery drivers to understand.
• Discounts May Vary: Some discounts might not be available in every state, which can limit savings for pizza delivery drivers.

#8 – Nationwide: Best for Broad Availability

Pros

• Wide Coverage: Nationwide is available all across most US states, making it a great choice for pizza delivery drivers. Check out more info in our Nationwide Auto Insurance Review.
  Affordable Rates: With rates starting at $53/mo, Nationwide offers budget-friendly coverage for pizza delivery drivers.
  Vanishing Deductible: Nationwide helps pizza delivery drivers save more by letting them lower their deductibles over time.

Cons

• Limited Local Agents: In some areas, pizza delivery drivers may have fewer options for in-person support.
• Higher Rates for Young Drivers: Younger pizza delivery drivers might face higher premiums despite Nationwide being one of the best auto insurance providers for pizza delivery drivers.

#9 – Liberty Mutual: Best for Comprehensive Options

Pros

• Comprehensive Coverage: Liberty Mutual offers many coverage options, making it a great choice for pizza delivery drivers who want full protection.
• Accident Forgiveness: Liberty Mutual’s accident forgiveness program helps pizza delivery drivers avoid rate increases after their first at-fault accident. For more info, check our Liberty Mutual Auto Insurance Review.
• Affordable Coverage: Minimum coverage starts at $60/mo, offering pizza delivery drivers solid protection at a great price.

Cons

• Higher Premiums: Drivers with accidents or tickets might find better rates elsewhere, even among the best auto insurance providers for pizza delivery drivers.
• Limited Discounts: Liberty Mutual offers fewer discount options than some competitors, which could limit savings for pizza delivery drivers.

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#10 – The General: Best for Flexible Policies

Pros

• Fast Online Quotes: The General makes it quick and easy for pizza delivery drivers to get a quote and start coverage.
• Affordable Prices: Liberty Mutual offers coverage from $60, keeping pizza delivery drivers protected without overspending.  Check our Liberty Mutual Auto Insurance Review for details.
• Competitive Rates: Minimum coverage starts at $65, offering good prices for pizza delivery drivers who want policies that fit their needs.

Cons

• Higher Rates for Low-Risk Drivers: Low-risk pizza delivery drivers may find cheaper options elsewhere, even among the best auto insurance providers for pizza delivery drivers.
• Mixed Customer Service Reviews: Some pizza delivery drivers report inconsistent experiences with customer service.

Special Insurance Coverage for Pizza Delivery Drivers

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 they are driving to deliver pizzas.

Pizza Delivery Drivers Auto Insurance Monthly Rates by Provider & Coverage Level

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.

Auto Insurance Discounts From the Top Providers for Pizza Delivery Drivers

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 Commercial Auto Insurance Rates by Vehicle & Coverage Type

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.

Understanding Delivery Insurance for Domino’s 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. Every car has different details, like the make, model, age, and what’s used, which affects the type and cost of insurance. Drivers need to have their own insurance that fits their car and delivery job.

This means Domino’s drivers have to ensure they have the right coverage before driving. Some drivers might also need extra coverage if they’re working, like making deliveries.

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. See our relevant guide, “Domino’s Pizza Auto Insurance: Rates & Requirements” to dive deeper

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The Risks of Not Reporting Delivery Use to Your Auto Insurance

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. Discover more about Blaze Pizza auto insurance rates and requirements.

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.

With roadside assistance on your Nationwide auto policy, help is available 24 hours a day, from towing and jump starts to flat tires and gas delivery.

Learn more: https://t.co/tBb1GsBprs pic.twitter.com/LC5uPHCAgk

— Nationwide (@Nationwide) December 23, 2024

To avoid this, update your policy to include delivery use or get a commercial auto insurance policy. Many insurers offer plans for delivery drivers to keep you covered on the job. Being honest with your insurance company helps ensure you’re covered, keeps you legal, and saves you from potentially huge expenses.

Keeping Your Pizza Business Safe With Proper Auto Insurance

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. Find out more in this guide: Amazon Flex App for Drivers and Consumers.

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.

When picking insurance, think about what your drivers really need. Make sure they know what’s covered, whether it’s personal or commercial. That way, they’ll be safe and can focus on their work without stress. Helping them pick the right policies, like liability and collision coverage, can avoid problems later and keep both your drivers and your business protected.

Auto Insurance Rules for Delivery Drivers and Employers

If you’re working to deliver pizzas, you need to have commercial auto insurance because your personal liability 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. 

Lastly, drivers and employers should watch for any changes in insurance rules that could affect coverage. As delivery services grow, local laws might change, so staying updated is key. That way, both drivers and businesses stay protected no matter what.

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Case Studies: Finding the Best Auto Insurance for Pizza Delivery Drivers

Getting the right auto insurance as a pizza delivery driver can be tough, but there are affordable choices if you know what to look for. In these stories, we’ll show how three drivers found the best coverage for them, each taking a different approach to get the protection they needed.

• Case Study #1 – Dave’s Need for Savings: Dave is a pizza delivery driver in a busy city. He picked Mercury insurance because it had good rates and very affordable coverage. After a small accident while delivering pizza, he filed a claim. Mercury fixed his car and didn’t raise his rates, which helped him save money.
• Case Study #2 –Mike’s Affordable Coverage: Mike delivers pizzas part-time and needs cheap car insurance. He found Geico, which gave him great coverage for accidents, theft, and liability at a reasonable price. He also liked that Geico’s customer service is available anytime, making it easy to manage his policy.
• Case Study #3 –Erin’s Low Rates: Erin, who drives pizzas full-time, heard about Erie Insurance’s low rates and decided to try it. Starting at just $47, she got good coverage for her car while driving long hours. When she had a tire blowout during a late-night delivery, Erie quickly covered the repair so she could keep delivering without any delay.

These stories show how car insurance can give pizza delivery drivers cheap and reliable coverage. Whether they wanted to save money, get fast help with claims, or find flexible options, each driver found a plan that worked for them.

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.

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