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

Are you looking for Marco's Pizza auto insurance? The restaurant doesn't offer auto insurance to its pizza delivery drivers, so drivers will need to acquire their own coverage. Some may even want to consider commercial auto insurance to protect them on the road while on deliveries for Marco's Pizza.

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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: Mar 30, 2021

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Can't-Miss Facts

  • Marco's Pizza does not offer auto insurance to its delivery drivers. 
  • There are pizza-delivery-specific auto insurance programs.
  • Delivery drivers can purchase commercial auto insurance for total coverage on the road.

Is there such a thing as Marco's Pizza auto insurance? Driving delivery for Marco’s Pizza will not come with auto insurance. If you want to drive delivery for Marco’s Pizza, auto insurance will be required, and up to the driver to purchase by themselves.

Drivers may need to extend their coverage. Some company programs, such as Progressive’s delivery insurance, are specific add-ons to personal auto policies. Are you fully covered?

Delivery drivers can also look into commercial auto insurance to protect themselves. Keep reading this guide to learn more about what options for auto insurance Marco’s Pizza delivery drivers have available, and learn more about Marco’s Pizza, auto insurance, and delivery insurance in general. 

Ready to start comparing auto insurance companies in your area? Enter your ZIP code to get auto insurance quotes and buy auto insurance for pizza delivery now. 

Does Marco’s Pizza offer auto insurance for its drivers?

No, Marco’s Pizza does not offer auto insurance for its drivers. It is uncommon for pizza delivery drivers to be provided coverage from the restaurant. 

It’s unclear whether Marco’s Pizza or its parent company, Hooglan Foods, offers collision coverage post-accident.

Marco’s Pizza is a commercial business that is likely to have insurance in the case of certain events outside personal injury cases. This is something that would need to be discussed with the company.

You cannot be an uninsured motorist at any point during your employment with Marco's Pizza.

If you’re planning to become a driver at Marco’s Pizza, you need to make sure you’re going to be safe on the road. Check out the next section for pizza delivery driver auto insurance and the options you may have. 

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Do you need special insurance as a Marco’s Pizza delivery driver?

To be hired at Marco’s Pizza as a delivery driver, you will need to have at least a liability auto insurance policy. In fact, you will find this to be the case for most pizza restaurant delivery jobs.

In some cases, these positions are hired as contractors and not as employees of the company. This dynamic pushes the liability onto the driver in the case of an accident or damage.

Always check with your insurance company or lawyer for the details specific to you.  But whether or not you need specific insurance as a delivery driver is another story.

Liability insurance -- different from business/commercial auto insurance -- on your personal policy only covers damages you've caused. If you do not report your employment with Marco's Pizza to your insurance provider, there could be severe consequences.

Avoid getting your insurance policy canceled; keep reading to learn about what insurance delivery drivers should get.

What insurance do I need as a delivery driver?

If you drive on the weekends and are only punching in a few hours to collect some extra cash as a pizza delivery driver, you may not need as much coverage as you'd think.

Career delivery drivers may want to consider affordable commercial auto insurance to cover themselves when their auto insurance provider doesn't allow them to extend coverage to their "business" of driving delivery.

Check out the table below comparing personal and commercial (sometimes called business) 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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Use the table to help you decide what sort of auto insurance rates for delivery you should be considering.

Pizza delivery falls into the first category of those who may need this type of insurance. But what is it?

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

  • Transport goods or people for a fee in your vehicle
  • Conduct a service with your vehicle
  • Need higher limits of liability because of the nature of your work
  • Haul a considerable weight in tools or equipment or towing a trailer used to conduct your business in your vehicle
  • Employees operate the vehicle, or if ownership is in the name of a corporation or partnership

The difference between personal and commercial auto insurance is the use of the policy. If you are a business, or your business owns your vehicle, any vehicles used for work must be covered by commercial auto insurance. 

Personal auto insurance is for your daily driver; it's what you think of when you think of auto insurance.

Commercial auto insurance sounds like it should include a fleet of trucks and drivers, but that's not the case.

Delivery drivers and those who offer transportation services in their own vehicles may want to consider commercial auto insurance (as should those who drive long distances for work or use their car to transport heavy equipment or tools).

Does being a delivery driver increase insurance?

Companies may see your driving delivery as an increased risk, above your personal use. According to Forbes, delivery drivers are more likely to get into an accident and file an insurance claim.

Commercial auto insurance policies are good for Marco's Pizza delivery drivers to keep rates low compared to if an accident were to occur on the job with lesser or no insurance.

Check out this table that lays out the basic averages for commercial auto insurance. 

VehicleMinimum Annual Cost Maximum Annual Cost
Passenger car $600$2,400
Semitruck $8,000$12,500
Delivery Van$3,300$6,200
Limosine$4,000$6,000
Cab$5,000

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Think you're ready to purchase a policy? Make sure you check with your current provider first to see if there are affordable auto insurance options already available to you.

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See What Your Policy Offers

Suppose you don't think you need commercial auto insurance to drive pizza delivery at Marco's Pizza. In that case, your auto insurance company may already have an add-on or extension you can add to your current policy. To be a driver for Marco's Pizza, pizza delivery auto insurance is required.

Delivery drivers have a responsibility to themselves and others on the road to keep safe. Don't get caught up paying for the dangers of your job, and make sure you're covered with adequate auto insurance.

Ready to start comparing auto insurance for Marco's Pizza delivery? Enter your ZIP code now to find affordable auto insurance rates.

Frequently Asked Questions: Marco’s Pizza Auto Insurance

Still, have more questions? See below as we try to answer all your questions about Marco's Pizza auto insurance.

#1 - How much does Marco’s Pizza delivery insurance cost?

Personal liability insurance provides the driver coverage after they’ve caused an accident. 

#2 - Does Pizza Hut cover delivery driver's insurance?

No, like Marco's Pizza, auto insurance is not offered to pizza delivery drivers.

#3 - Does Domino's have insurance for drivers?

Again, unfortunately, no. Although, Domino's does offer a different insurance program to customers. This simply ensures the pizza will be picture-perfect once it reaches its destination.

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