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

Searching for Papa John's auto insurance? Papa John's does not provide their own auto insurance. The company requires all of its drivers carry the state minimum liability coverage. However, it is wise to consider liability coverage above state minimums due to the increased risk involved in delivering for Papa John's. Because insurance companies consider delivery driver a high-risk profession by insurance companies, your rates may go up an average of $100 a month or more for food delivery auto insurance. Learn more.

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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

  • Papa John’s doesn’t offer delivery driver auto insurance.
  • As a delivery driver you will need commercial auto insurance.
  • Insurance companies consider delivery driver a high-risk profession.

Does Papa John’s provide car insurance for delivery cars? The answer is, no, there is no Papa John’s auto insurance. That doesn’t mean you don’t need liability insurance if you are delivering pizza for Papa John’s.

As a delivery driver, you will still need to make sure you have the proper coverage in case you are involved in an accident while on the job.

But what, and how much, coverage do you need? And how much will it cost? Does “pizza delivery insurance” really exist? Read on to find the answers to these questions.

Before you buy delivery driver auto insurance, do your research and compare rates from multiple insurance companies to make sure you are getting the rates and coverage you need.

Finding affordable delivery driver auto insurance quotes near you is as simple as entering your ZIP code above to find great rates in your area.

Does my auto insurance cover accidents working as a delivery driver?

Chances are your current personal auto insurance policy will not cover you when you are out on deliveries. And there is no such thing as “pizza delivery insurance.”

You will need to add commercial auto insurance coverage. But you don’t necessarily need to find a specific delivery driver auto insurance company.

Talk with your existing auto insurance agent. They can help you add the coverage you need.

How much does commercial auto insurance cost?

Adding commercial auto insurance to your policy is probably going to make your rates go up. Let’s take a look at average commercial auto insurance rates by vehicle.

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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Since most of Papa John’s delivery drivers use their own car, the commercial rates will be on the lower end. If you driving a semi, delivering supplies to Papa John’s stores, your rates will be much higher.

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Why is auto liability insurance important when delivering for Papa John’s Pizza?

Liability insurance protects you when you are at fault for an accident. It includes coverage for bodily injury, death, and property damage.

Why do auto insurance companies consider delivering pizza to be risky?

Because of the amount of time spent on the road, often under times of high traffic or bad weather, insurance companies consider delivery driver a high-risk occupation.

The U.S. National Library of Medicine notes that driver fatalities among delivery drivers are among the highest in the nation.

What is required to be considered to be a driver for Papa John’s Pizza?

As we noted, Papa John’s requires that all its drivers carry the proper insurance. The company will also look into your driver history and may perform random drug testing.

Now that you know what you need to be a Papa John’s pizza delivery driver, it’s time to make sure you have adequate insurance coverage. Use our free tool below to find multiple delivery driver auto insurance rates near you.

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