Papa Gino’s Pizzeria Auto Insurance: Rates & Requirements (2021)

Looking for Papa Gino’s Pizzeria auto insurance? Papa Gino’s will not give you any form of auto insurance; you'll have to purchase it on your own. What you'll need is commercial coverage, which is the form of insurance for businesses. On average, this form of insurance is typically $142 a month. Always compare auto insurance quotes before choosing an auto insurance company.

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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

  • Papa Gino’s Pizzeria does not provide auto insurance for their drivers.
  • If you are going to drive with this company, you are required to carry commercial auto insurance.
  • If you’re driving without commercial auto insurance and get into an accident where you are at fault, you will be financially responsible for the damages.

Papa Gino’s Pizzeria auto insurance is on par with just about every other pizza delivery job in that the company does not provide the driver with insurance, yet the driver is required to carry insurance.

In the age of COVID-19, many people are gravitating toward delivery driving jobs. This begs the question: if you are to drive for Papa Gino’s Pizzeria, what types of auto insurance do you need?

This article will cover everything you need to know about commercial auto insurance if you’re planning on becoming a delivery driver. Does being a Papa Gino’s Pizzeria driver alter your auto insurance premiums? Do you need a special form of auto insurance to work as a delivery driver?

We’ll cover all that and more. But, first, feel free to type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area.

What type of insurance do you need to be a Papa Gino’s Pizzeria driver?

When it comes to insurance, there’s one cold hard truth. Insurers are all about risk. They’re going to see someone who’s on the road frequently, i.e. delivery drivers, as an inherently higher risk than someone who’s hardly on the road at all.

So, is your personal policy enough? No matter which company you choose to work for, the answer is no. You’ll have to get commercial auto insurance coverage.

According to the California Department of Insurance, commercial insurance is a form of insurance that covers business owners. Why would you need it? If you’re driving your vehicle for the purpose of delivering food, you are using your vehicle as a business.

Below is a video covering the basics of commercial auto insurance.

The good news is that most big insurers like Progressive, Liberty Mutual, Nationwide, State Farm, Travelers, etc. offer commercial auto insurance coverage. So, how much is commercial auto insurance? The median cost is about $142 per month.

Is auto insurance provided to delivery drivers?

If you work as a delivery driver, you should expect the restaurant/delivery company will require you to have coverage and that your insurer will require you to add commercial coverage to whatever existing policy you have.

This is because your personal coverage is not enough to cover you in the event that you begin using your vehicle as a business. Speaking of your vehicle, what you drive affects the premiums you pay. Let’s take a look at a table that will shed some further light on this.

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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Considering that the vast majority of delivery drivers are using their own personal automobile, you can expect your rates to be on the lower end. After all, how many delivery drivers operate a limo?

If you factor in the fact that it is required, not to mention that you may be able to accrue discounts depending on your insurer, $600 annually isn’t too bad. It’s much cheaper than what you’d pay if you got into an at-fault accident.

Let’s move on to see what happens if you get into an accident while driving your vehicle uninsured while on the job.

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

Remember, if you drive without insurance not only are you breaking the law but you will also be required to pay for any damages out of pocket if you are at fault for the collision.

This is why you need to be thorough when finding your next insurer. Find one that not only offers commercial auto insurance but will also be in business for the foreseeable future.

Ready to buy auto insurance? Before you leave us for the day, please type your ZIP code into our free and helpful tool below to find reasonable auto insurance rates in your area.

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