Little Caesars Pizza Auto Insurance: Rates & Requirements (2021)

Little Caesars Pizza auto insurance is important for people delivering pizza. If you don't carry extra insurance coverage, you might not be covered if you are involved in an accident while working. You need to add a business use policy to your existing insurance coverage or get a commercial auto insurance policy to cover you while working to deliver pizzas for Little Caesars.

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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 ...

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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 Rachael Brennan

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • Delivering pizza for Little Caesars can be an excellent way for young adults and teenagers to make money while in school or on holiday breaks
  • Typically, pizza delivery drivers use their own vehicles to make their deliveries
  • You need to make sure that you are following all the auto insurance rules as dictated by your auto insurance policy to ensure you remain covered while delivering pizzas and other food
  • Never lie to or intentionally omit information from your insurance company, it could cost you

Little Caesars Pizza auto insurance is critical for delivery drivers to carry. Your current auto insurance policy will likely not be enough in the event that you are involved in an accident while delivering pizzas.

Will you have to buy extra auto insurance coverage for your job? Can you use your own vehicle and auto insurance policy while working at Little Caesars? How will delivering pizzas for a living affect your auto insurance rates?

These are important questions to ask when considering your job and insurance choices. We’ll help you understand Little Caesars Pizza auto insurance and what it means to work as a delivery driver using your own personal vehicle and insurance policy.

Are you ready to buy auto insurance? Enter your ZIP code above to get affordable auto insurance quotes in your area.

Will I be able to use my own personal auto insurance policy while delivering pizzas for Little Caesars?

In almost all cases, the answer to this question is no. Auto insurance companies will not allow you to add additional risk to your driving habits without charging you extra money. Almost all personal auto insurance policies exclude business use.

If you happen to be in an accident while delivering food, your auto insurance will not cover any damages incurred or caused. This means you will be left on the hook for any and all damages and the costs associated.

Personal vs Business Auto Insurance
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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Additionally, if your auto insurance company feels like you lied to them about your occupation or use of the insured vehicle they may also drop your coverage altogether.

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Is there auto insurance for food delivery?

Yes, there is food delivery auto insurance, but the form it takes for you will vary based on your insurance company’s offerings and the amount of coverage you want.

Many insurance companies allow drivers to add a business use policy to their existing auto insurance coverage. These policy additions are designed to keep you covered while working as a food delivery driver or as an Uber or Lyft driver.

The explosion of app-based food delivery companies has helped to greatly expand auto insurance offerings for people who make a living driving their own car to make deliveries.

There is also commercial auto insurance. This type of auto insurance coverage option might be necessary for some delivery drivers depending on their local auto insurance laws and their own auto insurance needs.

Do Little Caesars delivery drivers need commercial auto insurance?

Commercial auto insurance is designed for businesses who want to insure company vehicles and drivers. These auto insurance policies offer comprehensive coverage to drivers whose work includes a lot of driving. Get more details from the Insurance Information Institute.

While you may want the ease of adding a business use addition to your personal auto insurance policy, some insurance carriers will not allow Little Caesars or other food delivery drivers to do this. In this case, you will need to get a commercial auto insurance policy to cover you while working.

Be sure to speak with your insurance agent about your auto insurance needs, and see what your options for delivery auto insurance are. The best way to get a great policy and save money is to talk with professionals and shop around.

It all depends. Auto insurance policies vary based on the type of vehicle you want to insure, your driving record, the local area, and so much more. However, keeping all of that in mind, commercial auto insurance is typically not too much more expensive.

Take a look at how the cost of commercial auto insurance changes based on the type of vehicle that is being insured.

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
Cargo/Delivery Van$3,300$6,200

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You can see that commercial auto insurance is not all that expensive for regular cars. The best way for you to get a great auto insurance rate for your commercial policy is to shop around. You will be surprised how much potential rates can vary.

Will delivering pizza for Little Caesars affect my insurance rates?

Working for Little Caesars delivering pizzas shouldn’t affect your auto insurance rates for your personal policy. However, your personal policy will not cover you while you are working.

Therefore, you will need to purchase additional auto insurance coverage whether it be a business use addition to your existing policy or a commercial auto insurance policy. So in some senses, yes, it will cost you more in terms of auto insurance to deliver pizzas for Little Caesars.

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How can I save money on my auto insurance?

There are many ways to save on your auto insurance costs. The first thing you should do is speak with your insurance agent to see what discounts you potentially qualify for. There are discounts for being a good student, bundling policies, being a safe driver, being a loyal customer, and so much more.

Speak with your auto insurance representative today to get the ball rolling on your potential discounts. You can also shop around and see what type of savings you could have by switching auto insurers. It never hurts to look around and get a feel for the market.

If you’re ready to save auto insurance, enter your ZIP code below. Compare auto insurance quotes in your area, and find the top insurance company for you.

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