MOD Pizza Auto Insurance: Rates & Requirements (2021)

MOD Pizza does not provide auto insurance. MOD Pizza auto insurance requirements will vary depending on what state you live in. Food delivery auto insurance rates will also depend on whether you can add your services to your personal policy. Companies, like Allstate, allow food delivery to be wrapped into standard auto insurance coverage. Learn more and compare rates.

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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

  • MOD Pizza does not offer auto insurance to its delivery drivers.
  • Delivery drivers are expected to have at least liability insurance and their own vehicle to work for MOD Pizza.
  • Delivery drivers may be able to get their job covered under their personal auto insurance policy.

Pizza delivery drivers are on the road come rain or shine, and many times only working for a small fee plus tips. This is the reality of delivery services.

MOD Pizza is no different from most other chain pizza stores in the United States. It does not offer its drivers any form of auto insurance policy -- though all drivers must be covered. Then what are your auto insurance coverage options as a delivery driver?

Learn more about what options delivery drivers have for MOD Pizza auto insurance. If you're ready to contact an auto insurance agent, enter your ZIP code to compare rates.

What type of insurance do you need to be a MOD Pizza delivery driver?

MOD Pizza announced in 2019 that it was going to offer delivery exclusively through DoorDash.

DoorDash food delivery auto insurance requirements are:

  • You must be at least 18 years old.
  • You must follow state insurance minimums.

So, is auto insurance provided to delivery drivers? No. Drivers are responsible for their vehicle. Food delivery auto insurance is rarely, if ever, offered.

To get an idea of what you might pay when you buy auto insurance to work for MOD Pizza, check out the table below.

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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As you can see, your rates vary on what type of vehicle you drive.

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What happens if you get into an accident while driving on the clock?

DoorDash has a commercial auto insurance policy that will cover up to $1 million in bodily injury or property damage to third parties when delivery drivers get into an accident while actively delivering.

This coverage to the third party will only qualify if you are in possession of the delivered goods, not after delivery.

If you are injured while making a delivery for MOD Pizza through DoorDash, you may be eligible for occupational coverage. You will need to contact DoorDash for more information.

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What companies offer auto insurance to delivery drivers?

Many auto insurance companies will not cover your delivery job under your personal policy. This is especially true if you are a full-time delivery driver. However, sometimes, these services can be added to your personal policy. It all depends on the auto insurance company.

Esurance, for example, allows you to expand your policy if you are a part-time driver.

Allstate auto insurance also offers coverage to delivery drivers. Allstate food delivery insurance is limited in scope, similar to its competitors. Food delivery auto insurance rates can also be wrapped under a commercial policy.

Commercial auto insurance for delivery drivers is just another step of security in the case of an accident. It's always best to start with your insurance agent.

If you don't have an agent yet, compare local food delivery auto insurance quotes. Enter your ZIP code to get started finding affordable auto insurance.

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Enter your ZIP code below to compare auto insurance rates.

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