Domino’s Pizza Auto Insurance: Rates & Requirements (2021)

Searching for Domino's Pizza auto insurance? Domino's Pizza does not provide their own auto insurance. Domino's requires its employees to show proof of and maintain auto liability insurance. Meeting the state minimum auto insurance coverage levels is a requirement for their drivers. If you are using your own car for food delivery you may be paying between $600 and $2,400 a year for commercial auto insurance. Learn more.

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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: Jul 19, 2021

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Can't-Miss Facts

  • Domino’s Pizza requires that its drivers carry liability auto insurance.
  • If you are using your personal vehicle for delivery, you may need commercial auto insurance.
  • Average minimum annual rates for a commercial auto insurance policy are $600.

While Domino’s may “guarantee your pizza looks and tastes great when you come to your favorite Domino’s location to pick it up” and may even provide health insurance depending on the state and store, it doesn’t offer Domino’s Pizza auto insurance to it’s drivers. Every driver should know personal car insurance isn’t designed to cover extensive work-related travel. Many companies now ask if you provide delivery or other car services to adjust accordingly. Why?

As a food delivery driver, you are in your car a lot racking up more miles. More time also means more opportunities to get in an accident. If you are involved in an accident while delivering pizza, you will want to make sure you have commercial auto insurance to protect you, your vehicle, and those around you.

Does Domino Pizza offer auto insurance for its drivers?

Domino’s Pizza offers ts customers “carry-out insurance.” In other words, does your pizza meet a set standard when you get it? The company’s drivers must provide their own pizza delivery insurance for their cars. Before you start, Domino’s does have requirements for what insurance its drivers need to carry, as we will see below.

If you are planning on driving professionally, even part-time, you need to make sure you and your vehicle have adequate coverage.

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What Are the Coverage Requirements for a Business Insurance Policy?

As a delivery driver for Domino’s Pizza, the company requires that you carry at least the state minimum liability auto insurance coverage.

Since you will be using your personal vehicle professionally, you should carry commercial auto insurance along with your personal insurance policy. Whether you work in ride shares, food delivery, or something else, insurers are asking up front to provide the right kind of coverage. Be sure you speak with your insurance agent before you buy business insurance coverage to make sure you are meeting both state and insurance company standards.

Your personal auto insurance covers you while you’re driving to and from work or recreational activities. Your business insurance covers you while you’re making deliveries. Having both is critical, and many companies will offer bundling discounts to make it more affordable. Before you take any delivery jobs, you should always know exactly how much it will cost you.

To find affordable food delivery auto insurance near you, enter your ZIP code above.

What is the difference between personal vs. commercial auto insurance policies?

Any time you’re shopping for different types of insurance, you should know what you’re looking at. Here’s a table that details the differences between personal and commercial auto insurance.

Personal vs. Business Auto Insurance Uses
Personal Auto InsuranceBusiness Auto Insurance
Driving to pick up lunch for you and your co-workersDriving to deliver food to paying customers
Driving to your job siteHauling tools and equipment to your job site
Going on weekend road tripsMeeting work clients and visiting job sites
Driving friends to the airportDriving paying customers to the airport
Using your car for business less than 3 times per monthUsing your car for business 500 miles a week or more

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As you can see, when you are using your vehicle in a work-related capacity, you should make sure you are covered by a commercial auto insurance policy.

How Much Does Domino’s Delivery Insurance Cost?

Since Domino’s doesn’t offer auto insurance, you need to get a commercial insurance quote on your own. This table lists the average rates across the U.S. based on vehicle type.

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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Costs are based on factors like location, the service you offer, and average hours per week depending on who’s quoting you. Delivering an American cheese vs a Philly cheese steak pizza won’t change your quote. Choosing more comprehensive coverage that would reduce your costs after an accident also increases rates compared to minimal coverage.

Before you buy food delivery auto insurance, use the search tool below to find great quotes in your area.

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