Round Table Pizza Auto Insurance: Rates & Requirements (2021)

Searching for Round Table Pizza auto insurance? Round Table does not provide its own auto insurance. The company requires that all of its drivers carry the state minimum liability coverage. If you are at fault for an accident while out for delivery, you will be responsible for any damages. That's why it's important to make sure you have commercial auto insurance and decent liability coverage. 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

  • Round Table Pizza does not provide auto insurance for its drivers.
  • If you are at fault for an accident while out for delivery, you will be responsible for any damages.
  • As a delivery driver, you will need commercial auto insurance.

As a delivery driver for Round Table Pizza, auto insurance is your responsibility. The company does not provide auto insurance for its drivers.

That means that it’s up to you to make sure you have auto insurance. That brings up a good question: What types of auto insurance do you need?

And that’s not the only question you need to consider. Does being a pizza delivery driver affect auto insurance rates? Do delivery services provide auto insurance coverage for drivers? Who is ultimately responsible for car insurance when delivering for Round Table Pizza? Do you need special auto insurance as a delivery driver?

Read on to find the answers to these questions and make sure you are protected while on the road delivering for Round Table Pizza.

To find affordable delivery driver auto insurance quotes near you, enter your ZIP code above. We’ll help you find delivery driver auto insurance companies near you.

Do you need personal auto insurance vs. commercial insurance for Round Table Pizza delivery?

For the most part, the type and cost of Round Table Pizza auto insurance are based on risk. Auto insurance companies consider delivery driver a high-risk occupation. In fact, the U.S. National Library of Medicine notes that driver fatalities among delivery drivers are among the highest in the nation.

Based on this risk assessment, the type of insurance you need will be more extensive than your personal auto insurance. That also means that rates will be higher.

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Is auto insurance available for pizza delivery drivers?

As a delivery driver, your insurance company will likely require that you add commercial auto insurance to your existing policy.

One factor that affects delivery driver auto insurance rates is the vehicle you drive, as this table shows.

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 Round Table Pizza drivers use their own car, the rates will be on the lower end. A truck driver delivering supplies for Round Table Pizza will have much higher rates.

How do you buy food delivery auto insurance?

What are food delivery driver auto insurance options?

Liability insurance should be your top priority as a delivery driver. This type of insurance covers bodily and property damage if you are at fault in an accident.

Round Table Pizza, like most food delivery services, requires its driver to carry at least the state minimum in liability insurance. Search the table below to find the requirements for your state.

Minimum Liability Auto Insurance Requirements by State
StatesInsurance RequiredMinimum Liability Requirements
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/5
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM25/50/20
DelawareBI & PD Liab, PIP25/50/10
FloridaPD Liab, PIP10/20/10
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoeBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM25/50/20
IndianaBI & PD Liab25/50/25
IowaBI & PD Liab20/40/15
KansasBI & PD Liab, PIP25/50/25
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM, Medpay50/100/25
MarylandBI & PD Liab, PIP, UM, UIM30/60/15
MassassachusettsBI & PD Liab, PIP20/40/5
MichiganBI & PD Liab, PIP20/40/10
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10
MississippiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/25
MontanaBI & PD Liab25/50/20
NebraskaBI & PD Liab, UM, UIM25/50/25
NevadaBI & PD Liab25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab25/50/25
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab25/50/25
South CarolinaBI & PD Liab, UM, UIM25/50/25
South DakotaBI & PD Liab, UM, UIM25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25
UtahBI & PD Liab, PIP25/65/15
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab, UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
Wasington D.C.BI & PD Liab, UM25/50/10
West VirginiaBI & PD Liab, UM, UIM25/50/25
WisconsinBI & PD Liab, UM, Medpay25/50/10
WyomingBI & PD Liab25/50/20

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Due to the risk associated with food delivery, it is worth considering coverage higher than state minimums. Talk with your insurance agent to find out what will work best for you.

What happens if an accident occurs while you’re on the clock?

If you are at fault for an accident while out for delivery, you will be responsible for any damages. That’s why it’s important to make sure you have commercial auto insurance and decent liability coverage.

Don’t buy delivery driver auto insurance without reviewing all of your options. With one quick click on the box below, you can find multiple delivery driver auto insurance companies in your area.

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