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MOD Pizza Car Insurance Rates (Save by Comparing Quotes)

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Aug 31, 2021

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Key Takeaways

  • MOD Pizza does not provide its drivers with car insurance
  • Delivery drivers must possess at least their state’s minimum liability coverage and a personal vehicle to hold a job with MOD Pizza
  • The driver will also need commercial coverage or an add-on to operate their car as a business

In the age of COVID-19, delivery driving has become a prominent source of income for many individuals. What do you need to drive for MOD Pizza? Can I get affordable MOD Pizza car insurance quotes from the company itself?

We’ll answer all those questions and more as we analyze what coverage you need, where you can get it, and the cost of pizza delivery car insurance rates.

Before we dive into a MOD Pizza car insurance review, type your ZIP code into our free and helpful tool above. With it, you’ll be able to start comparing local commercial car insurance rates.

What are the MOD Pizza car insurance requirements?

Since 2019, MOD Pizza has had an exclusive delivery deal with DoorDash. This means that you will need to procure your own coverage, because DoorDash does not provide drivers with coverage.

It is of the utmost importance that you get coverage, and not only because it’s illegal to drive without it. According to Crosley Law, delivery service driving is one of the highest fatality rate professions in the United States.

So, what do you need to drive with MOD Pizza? First, you would have to meet DoorDash’s requirements. These are:

  • The driver must be at least 18
  • The driver must possess at least their state’s minimum liability coverage level

You may be wondering, “What is the minimum liability car insurance requirement in my state?” Let’s move on and get a better idea.

What are my state’s minimum coverage requirements?

Let’s take a look at a table that shows the minimum liability limits in each state.

Note that the third column contains a series of three numbers. These are the amounts the insurance company will pay out for one at-fault injury, several injuries in an at-fault accident, and property damage.

Minimum Liability Auto Insurance Requirements by State
StateInsurance required Minimum liability limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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So, a minimum liability limit of 25/50/25 would be $25,000, $50,000, and, lastly, $25,000 for property damage liability car insurance.

You will also need commercial car insurance. This is the type of coverage tailored to those who own a business.

You may be wondering how that applies to you. When you are delivering food, you technically are utilizing your car as a business.

Now you know just what you will need. Let’s go ahead and wrap up.

Should I get MOD Pizza car insurance?

If you intend to deliver food, you are going to need coverage. Commercial coverage can drastically raise rates, so it’s very important to compare the rates offered by at least three companies.

Be sure to inquire about any available discount that is applicable to your life. Furthermore, inquire about add-ons for delivery drivers. Not all insurers offer them, but they can chip away at rates instead of adding.

Now that we’ve covered MOD Pizza car insurance, type your ZIP code into our free and helpful tool below. With it, you will be able to find the most affordable car insurance quotes for delivery drivers in your area.

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