Blaze Pizza Auto Insurance: Rates & Requirements (2021)

Looking for Blaze Pizza Auto Insurance? While Blaze Pizza itself will not give you the coverage you need, you will need commercial auto insurance coverage if you’re planning on driving delivery. Commercial coverage is the form of insurance that covers business owners. As a driver of a delivery vehicle, even if it is your own, you will need commercial coverage.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Feb 4, 2021

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Can't-Miss Facts

  • Blaze Pizza does not provide its drivers with auto insurance.
  • If you drive with Blaze Pizza or another delivery service you will be required to carry commercial auto insurance.
  • If you are behind the wheel without coverage and get into an at-fault accident, you will have to pay out of pocket.

When looking into Blaze Pizza auto insurance it's important to know that it is fairly standard for delivery jobs not to provide drivers with auto insurance.

With that being said, you still have to carry coverage. Now that we're living in a time where COVID-19 is running rampant, many individuals are beginning delivery driving positions. So, if you are planning on driving for Blaze Pizza, what type of auto insurance do you need?

We are going to go into several topics. By the end, you'll know everything you need about insurance coverage while you're working for a delivery service. Does driving for Blaze Pizza raise your premiums? Do you need a special type of insurance coverage to be a delivery driver?

All that and more will be covered. But, first, type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area. Which auto insurance company is for you? Find out now.

Insurance Requirements to Drive for Blaze Pizza

Delivery drivers are on the road far more frequently. Insurers love that because insurers are all about risk. The more one is on the road, the more one will pay in premiums, and this applies to delivery drivers without a doubt.

You may be thinking about your personal auto insurance policy already in place. Isn't that enough? Nope. Whichever delivery job you choose, you're going to need to purchase commercial auto insurance coverage.

What is commercial auto insurance? According to the California Department of Insurance, this is the form of insurance that specifically covers individuals who own a business.

How does this apply to a delivery driver? Because while you are delivering that Blaze Pizza, you're technically using your car as a business.

Below is a video outlining commercial auto insurance.

Most of the larger insurers like State Farm, Nationwide, etc. offer commercial auto insurance coverage. How much can you expect to pay for commercial auto insurance? The average price of commercial auto insurance is about $142 per month.

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Is coverage provided to delivery drivers?

If you choose to work as a delivery driver you need to be ready to carry commercial auto insurance. Here's the thing, while all delivery jobs require it, almost none supply it. Blaze Pizza is, alas, no different.

If you use your vehicle for business purposes your personal coverage will not be enough. Inform your insurer you intend to use your vehicle this way because they will then require you to add commercial coverage to your existing personal policy.

Since you're using your vehicle as a business, let's think about what you drive. What you drive affects the premiums you pay. For instance, the safer the vehicle, the cheaper the premium.

Average Annual Auto Insurance Rates for Commercial Auto Insurance by Vehicle Type
Vehicle TypeMinimum Annual Rates for Commercial Auto InsuranceMaximum Annual Rates for Commercial Auto Insurance
Car$600$2,400
Semi$8,000$12,500
Cargo/Delivery Van$3,300$6,200
Limo$4,000$6,000
Cab$5,000$10,000
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Most delivery drivers use their own four-door sedan. If that is the case for you, expect your rates to be on the lower end. Spending $600 annually may sound like an unnecessary expenditure, but think about what you're really buying.

For one, you won't have to pay out of pocket if you cause an accident.  Secondly, you'll have peace of mind knowing you have the required coverage. Lastly, most insurers offer a wide array of discounts. Depending on your insurer, you may be able to add up a few discounts.

With all that taken into account, $600 isn't so bad. Let's see what happens should you get into an accident while driving an uninsured vehicle during a shift.

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What will happen if I get into an accident while working?

We cannot stress the importance of this enough: if you drive without coverage you are breaking the law and will be held financially responsible. This applies when you're driving for yourself as well as when you're driving delivery.

You must be thorough when comparing insurers. Find one that offers commercial coverage, discounts, and competitive rates.

Hopefully, we have answered all of your questions today. Are you ready to buy auto insurance? Type your ZIP code into our free tool below to find affordable auto insurance rates in your area.

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