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

Hungry Howie's pizza auto insurance will help protect you while you are driving deliveries. Most personal auto insurance policies will not cover you while you are delivering food for money, but you can stay covered by purchasing a commercial auto insurance policy or adding a business use addition to your current policy. Read more to find out what auto insurance coverage you need to deliver Hungry Howie's pizzas.

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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

  • Hungry Howie’s employs a lot of delivery drivers around the country to ensure that their pizzas get out to their valued customers hot and fast
  • Many pizza delivery drivers use their own vehicles while making deliveries, and also their own personal insurance policies
  • In many instances, personal auto insurance policies may not be enough coverage for Hungry Howie’s delivery drivers
  • A lot of insurance companies are wary of insuring people while they are working through personal insurance policies
  • Business use additions and commercial auto insurance policies can help you stay covered while delivering pizza for Hungry Howie’s

Many times we don’t stop to think about our auto insurance until we need it to work for us. Hungry Howie’s pizza auto insurance is of critical importance to the people who work for this company delivering pizzas and other food items.

Did you know that your personal auto insurance policy might not be enough insurance coverage in the event of an accident while you are working delivering food?

It is true.

Many auto insurance companies will not cover delivery drivers under their personal auto insurance policies. What does this mean for delivery drivers? Is there a way to stay covered while making deliveries using your own car?

We’ll help you go through critical information regarding food delivery auto insurance, and we’ll help point you in the right direction in terms of finding the best auto insurance coverage at the best possible price.

Are you ready to buy Hungry Howie’s pizza auto insurance coverage? Enter your ZIP code above to start comparing rates, and find affordable Hungry Howie’s pizza auto insurance quotes.

Why won’t my personal auto insurance cover me while making pizza deliveries?

Many auto insurance companies will not cover food deliveries whether it be for Hungry Howie’s, Uber, or another service under a personal auto insurance policy. This is because this type of work adds additional risks of accidents and damages. Therefore, pretty much all insurance companies will make you buy more insurance coverage.

You need to be honest and upfront with your auto insurance company. You don’t want them to think you lied to or intentionally withheld information from them. This could have a serious impact on your auto insurance rates.

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What auto insurance options do delivery drivers have?

Since you typically cannot use your personal auto insurance as a delivery driver, what auto insurance options do you have? There are two good options for delivery drivers when it comes to auto insurance. One is a business use addition to their existing personal insurance policy, if available, and the other is a commercial auto insurance policy.

A business use addition to an existing auto insurance policy basically acts as an add-on to your policy, but it ensures that you are covered when you are working to deliver pizzas for Hungry Howie’s.

A commercial auto insurance policy is a totally separate auto insurance policy that is designed to help protect businesses and business vehicles.

Why do I need commercial auto insurance if I just make deliveries?

Even though business use additions exist many auto insurance companies won’t extend these additions to food delivery drivers. The feeling amongst insurers is that even though the vehicle is being used for business it is still riskier than other business uses like hauling materials or driving to meet clients, etc.

As a result, in many cases, if you deliver food you will need to get a commercial auto insurance policy in order to remain covered while working.

The good news is that there are many companies that are willing to write commercial auto insurance policies. Progressive commercial auto insurance is just one example of the many “big name” insurance companies that offer these types of policies. You can read more about business vehicle insurance at the Insurance Information Institute.

Is commercial auto insurance expensive?

This really depends on the type of vehicle you drive, your personal driving history, the area you are going to be driving in, and the insurance company you choose to work with. However, on average, commercial auto insurance is not all that expensive.

Take a look at the average costs of commercial auto insurance by 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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For delivery drivers using a car, commercial auto insurance won’t cost them too much extra every year. The best way to get great auto insurance rates is to shop around and speak with an insurance agent.

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How can I save more money on commercial auto insurance?

If you want to save more money on auto insurance, you need to speak with your auto insurance agent about discounts. The odds are you qualify for one or more discounts on your auto insurance policy. There are a number of different discounts, but here are a few that you might want to ask about:

  • safe driver
  • multi-policy
  • loyal customer
  • military

The above list is just a few ideas to get the ball rolling. Ask your insurance agent about all available discounts offered and which ones that you qualify for. These auto insurance discounts can seriously reduce your auto insurance costs.

What happens if I don’t tell my insurance company I am delivering Hungry Howie’s?

Lying to your insurance company is never a good idea. At best, your auto insurance rates will be raised based on the new information your insurance company now has. At worst, you could be dropped from your coverage for lying to or intentionally omitting information from your insurer.

If you are in an accident while you are working, you want to make sure you are covered by auto insurance, or else you could be held responsible financially for any damages and injuries caused.

Don’t wait until you need commercial auto insurance to start looking for affordable Hungry Howie’s pizza auto insurance rates. Enter your ZIP code below to compare cheap Hungry Howie’s pizza auto insurance rates near you.

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