Pizza Delivery Auto Insurance: Rates & Requirements (2021)

Do you need pizza delivery auto insurance to work as a delivery driver? In most cases, you need more insurance coverage than your personal auto insurance policy. Commerical and business-use auto insurance coverage will help keep you fully insured even while you are working. Read more to find out the specifics of pizza delivery auto insurance and compare insurance quotes.

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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

  • Pizza delivery can be a risky occupation since the object of the job is to deliver a hot pizza in a timely fashion.
  • Personal auto insurance policies will likely not cover your car during deliveries if you use a personal car.
  • Auto insurance is also vital for restaurants to have since they can be held liable for damages caused by their drivers.
  • Just because your restaurant has coverage protecting them from liability doesn’t mean your car will be covered in the event of an accident, and you could end up paying for repairs and damages out of your own pocket.

Pizza delivery is one of the few food delivery jobs that is still primarily done by chain restaurant companies like Dominos, Papa Johns, etc, or small local restaurants. Uber Eats and other food delivery app-based companies have yet to make solid in-roads in this sector of food delivery.

Pizza delivery is a great job for people working while in high school or college, and it is a great way to earn tips and work flexible hours. Still, when it comes to pizza delivery auto insurance, there are some complications and issues to keep in mind.

Are you driving your own car? Are you driving a company-provided car? Does the company have pizza delivery auto insurance on your car or on the company car? Does your personal auto insurance cover you while you are working?

These are all very important considerations and questions to ask your employer and your insurance agent. The last thing you want is to be held liable for damages and without auto insurance coverage to protect you. Let’s take a closer look at what insurance considerations you should be thinking about.

Are you ready to compare pizza delivery auto insurance quotes in your local area? Enter your ZIP code above to get started, and find the best pizza delivery auto insurance rates in your town.

Do I need special drivers’ insurance coverage to deliver pizzas?

Are you driving your personal vehicle while you are delivering pizzas? If you’re driving a company-owned car while working to deliver pizzas, the liability for all accidents and damages to the vehicle and others is assumed by the restaurant. In this situation, they should have auto insurance coverage for the vehicle you are driving to deliver pizzas.

You won’t have to worry about purchasing additional insurance coverage to stay covered while working as a delivery driver. However, any traffic violations that occur while you are driving the company-owned vehicle will be attributed to your driver’s license. Speeding tickets and other violations accrued on the job could affect your personal auto insurance rates.

If you’re driving your own vehicle to deliver pizzas, you will likely need more than just your personal auto insurance policy. In most cases, due to the increased risk associated with delivery driving, you will need to get an additional commercial auto insurance policy or add business-use coverage to your existing personal auto insurance coverage.

Restaurants and delivery drivers alike can take a look at this table below and see the average costs of commercial auto insurance based on vehicle type.

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, the annual costs for commercial auto insurance for a car are not too steep. If your employer asks you to use your own car to deliver pizzas, ask them to help you cover the costs of adding commercial auto insurance to your existing coverage.

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Is there Domino’s delivery insurance for drivers?

Domino’s cannot provide blanket auto insurance coverage for every one of their drivers because each auto insurance policy is based on the specific car being used. If you are using your own car to deliver pizzas for Domino’s or any other restaurant, you are going to have to supply your own driver’s insurance.

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What happens if I don’t tell my auto insurance company I’m using my personal car to make deliveries?

Being anything less than completely honest with your auto insurance company is a very bad idea. If you are in an accident while making a pizza delivery, your auto insurance is unlikely to cover any claims that you make if all you have is a personal auto insurance policy.

Personal auto insurance policies typically exclude business activities like deliveries because of the increased risk. Furthermore, if you’re caught in a lie with your auto insurance company, they could drop your coverage completely, leaving you with no insurance coverage.

I own a pizza restaurant; should I have a commercial auto insurance policy?

Are you giving your delivery drivers a company vehicle to use to make pizza deliveries? If you are, you need to have commercial auto insurance on all of your vehicles used for the business. However, even if you are relying on your pizza delivery drivers to supply their own vehicles, you probably still want to have some insurance coverage in case they cause an accident.

If one of your delivery drivers causes an accident while in the course of doing their job, the business could be held liable for damages even if the driver has their own commercial and personal auto insurance policies.

Therefore it is critical any business owners who are employing pizza delivery drivers also carry non-owned auto insurance coverage. This will help protect the business in case there is an accident.

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What’s the bottom line?

If you’re working to deliver pizzas, you need to have commercial auto insurance because your personal auto insurance policy will not cover you while you are working. If you are given a company vehicle to use for deliveries, remember all traffic infractions will count against you personally, and this could affect your auto insurance rates if you rack up tickets.

Businesses employing delivery drivers also need to carry insurance, whether it is commercial or non-owned auto insurance, in the event there is an accident for which the business could potentially be liable.

If you’re ready to buy pizza delivery auto insurance, enter your ZIP code below to compare cheap pizza delivery auto insurance rates in your area.

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