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Pizza Delivery Car Insurance Rates (Save by Comparing Quotes)

Enter your zip code below to view companies that have cheap auto insurance rates.

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 11, 2021

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Key Takeaways

  • Pizza delivery drivers may want to consider a commercial car insurance policy to ensure they are covered
  • Most insurance companies do not offer coverage specifically for pizza delivery drivers
  • Pizza delivery car insurance rates are higher than standard personal car insurance coverage

If you are a pizza delivery driver, you may be curious about your options when it comes to car insurance. With so many people currently working in the food delivery industry, insurance for delivery drivers is commonly sought after.

The truth is that there is no one pizza delivery car insurance company or policy; most companies offer the types of coverages you may need without labeling it as pizza delivery driver car insurance.

Food delivery insurance for restaurants is not typically offered by most car insurance companies. Consider your options and choose what works best for your unique needs.

A commercial policy or limited business add-ons are two options you have to maintain the coverage you need for your job as a pizza delivery driver while keeping the cheapest car insurance you can.

But before you decide to change or add to your current insurance policy, be sure to check with the company you work for. There are several food delivery companies that offer limited car insurance policies to their drivers.

As you search for affordable pizza delivery car insurance, enter your ZIP code in our free tool above to find the best options in your area.

Do you need special insurance to deliver pizza?

There is no special insurance coverage required solely for pizza delivery drivers. You will not be expected to provide proof of pizza delivery car insurance if you are ever questioned by law enforcement.

But there are best practices when it comes to car insurance coverage for pizza delivery drivers. It is extremely important for you to ensure you have enough coverage so you do not have to pay out of pocket for an accident.

The type of pizza delivery car insurance that you need will depend on how many hours you work, how much you drive for work, whether you drive a work car or your own personal vehicle, and more.

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Does my job offer pizza delivery car insurance coverage?

There is a chance the company you currently work for offers liability to its pizza delivery drivers. If this is the case, you will probably not need to alter your current car insurance policy for work purposes.

Most companies that provide support via car insurance only offer liability. And this liability insurance covers you only when you are on the clock and delivering pizzas.

In other words, the minute you stop working, you will still need your own personal car insurance policy to at least meet your state’s minimum requirements.

The following table offers a list of companies that provide delivery and clarifies whether each company offers any amount of car insurance coverage to its employees.

Delivery Companies Auto Insurance Coverage for Drivers
Delivery CompanyAuto Insurance Coverage
Amazon FlexYes
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
Amazon Prime NowYes
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
Up to $1 million per accident for medical expenses
$100,000 accidental death benefit and $100,000 survivor's benefits (eligible dependents)
Accidental Disability benefit up to $500 per week
Liability: $1 million (you have to exhaust your own coverage first)
Drivers use a company truck for deliveries
Google ExpressYes
Drivers use a company truck for deliveries
Jimmy John'sNo
Olive GardenNo
Papa John'sNo
Drivers use climate control company trucks to deliver groceries
Pizza HutNo
Liability: $1 million (you have to exhaust your own coverage first)
Provides delivery through Instacart
Round Table PizzaNo
Liability: $1 million
In between trips: $50,000 per person/accident
$100,000 per accident
$25,000 for property damage
Drivers use a company car for deliveries
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Prior to making any changes to your current car insurance policy, always check with your current company and ask if they offer any options for coverage on the job.

Should I get a business or commercial policy to deliver pizza?

If the restaurant you work for doesn’t offer liability coverage, you could either choose to purchase business or commercial car insurance coverage.

Adding a business use add-on to your current car insurance policy could help you stay covered as you drive for your current company. With this type of coverage, you can keep the policy you already have and pay slightly more for add-on security.

If you deliver pizzas part-time, drive short distances on your delivery routes, or vary between driving a personal car and a company car for work, a business use add-on could be perfect for you.

A full-time position, however, may necessitate that you get a commercial policy in order to make sure you’re always covered in the event of a car accident.

Commercial policies include a large list of coverage that typically includes liability, property damage, uninsured/underinsured motorist, comprehensive, and collision coverage.

Commercial car insurance policies can vary greatly from one insurance company to the next.

In order to discover what you truly need for your job, check with an agent from any company you may want to do business with to ensure you have what you need without paying for too much coverage.

There’s no way to know what pizza delivery car insurance rates would be unless you shop around online; this is one great way to see how much different insurance companies are charging for the same coverage options.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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How much are car insurance rates for pizza delivery drivers?

Because there are not particular car insurance rates for pizza drivers, rates for food delivery drivers vary from one company to the next. This can be confusing, but your best option is to compare rates from multiple companies so you know your options.

The type of policy you carry as a pizza delivery driver will impact whether you have expensive car insurance rates. In addition to coverage, your age and gender can also have a big impact on your car insurance rates.

The table below shows just how a person’s age and gender can impact annual car insurance rates.

Average Annual Full Coverage Car Insurance Rates by Age and Gender
AgeAverage Annual Full Coverage Rates (Female)Average Annual Full Coverage Rates (Male)
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Though you do want to shop around before you buy pizza delivery car insurance, you can expect your car insurance rates to increase.

Some of the additional factors in the table above are things you cannot control, but it is still a good thing for you to be aware of how car insurance rates work and whether you can find better rates with another company.

What is Progressive’s pizza delivery insurance?

Of all the car insurance companies, Progressive is one of the only companies that offers pizza delivery car insurance. This coverage is offered to both part-time and full-time delivery personnel.

Progressive’s pizza delivery insurance promises to cover losses that happen when you are driving for work, protecting you from having to take personal responsibility for any car accident that occurs while on the clock.

According to Progressive, the pizza delivery insurance they offer can vary in cost based on factors that include:

  • Vehicle type
  • Claims history
  • Average distance driven during work hours
  • Age
  • Gender

Checking with Progressive may be a good idea, but don’t forget that you should still always shop around to compare rates and make sure you are getting the best deal you can.

What should I do for pizza delivery coverage?

There is no need for you to act quickly and make an instant decision to purchase more coverage for your job. Your best bet is to check with the company you work for first and go from there.

If the company you work for offers car insurance coverage, you don’t need to make any changes to your policy. If your work does not help with liability coverage, you should start to consider whether a business use add-on or a commercial policy would work best for you.

At every step, be sure to do your research and look for the best options for car insurance coverage. Compare rates from multiple companies and take your time to be sure you like your choices before moving forward.

Now that you’ve learned more and are ready to get started finding pizza delivery car insurance quotes that work for you, be sure to enter your ZIP code into our free tool below today.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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