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 insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 28, 2021

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Key Takeaways

  • Pizza delivery drivers need more than just their personal policies to make money in their car
  • Commercial policies are an option for pizza delivery drivers, but they come with a mark up of 180%
  • Most major car insurance companies offer add-ons for delivery work

Pizza delivery drivers perform a vital service — come rain or shine, day or night, the last minutes of the big game or an ordinary Tuesday, everyone counts on delivery drivers.

But who can delivery drivers count on to protect them and their cars?

Car insurance that covers pizza delivery drivers can seem complicated, but it doesn’t have to be. However, it is crucial that you have coverage on your vehicle if you’re planning on delivering pizza.

What companies offer insurance to delivery drivers? How do car insurance rates with car insurance companies that cover pizza delivery drivers compare to regular drivers?

You can get insurance for pizza delivery drivers at the right price with a little shopping. Enter your ZIP code into our free tool above to start comparing car insurance quotes from local companies today.

Which car insurance companies cover pizza delivery drivers?

Everyone knows you have to have insurance to drive on public roads. It depends on the state, but liability coverage will usually suffice. However, that won’t work for pizza delivery drivers in most cases.

A driver that uses their vehicle for work purposes is considered at higher risk than other drivers. This is because delivery drivers spend a lot more time behind the wheel than the average driver.

Delivery drivers consistently rank in the top ten deadliest jobs in America. For that simple reason, car insurance companies will charge more for delivery driver insurance. That’s not just to protect the company — it also protects their other customers from absorbing higher rates.

The good news for pizza delivery drivers is that there are a lot of companies that will work with you to make sure you have the insurance you need.

Companies like USAA, GEICO, Progressive, and Allstate can protect you and your vehicle while you deliver pizza.

Before you start contacting affordable car insurance companies that cover pizza delivery drivers, however, you should understand what type of insurance you’ll need.

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What insurance do you need for pizza delivery?

Some delivery drivers may be tempted to work with no extra coverage beyond their personal policy.

However, this is a massive risk on the driver’s part. If you are in an accident while you’re on the clock, your insurance company will likely deny your claim. If that happens, you’ll be stuck paying for everything out of pocket.

There are three options for pizza delivery car insurance. The first is coverage through your company, though most major pizza chains do not offer insurance for their drivers.

You have a better chance of protecting yourself and your vehicle with add-ons or commercial policies. Luckily, you can get quotes from car insurance companies that cover pizza delivery drivers for both options easily.

What is a commercial policy?

Commercial policies are very similar to personal policies in that they cover you and your vehicle while you drive it. The most significant difference is that a commercial policy covers you during your work hours.

Commercial policies usually have higher limits than personal policies, but they cost more. Typically, commercial policies are about 180% more expensive than personal policies.

If insurance for your car was going to be $100 a month, a commercial plan would cost you $280 instead.

Most commercial insurance providers also offer add-ons to increase your protection. These add-ons include things like roadside assistance or accident forgiveness.

While this policy would cover you while delivering pizzas, commercial car insurance rates with companies that cover pizza delivery drivers are not the cheapest.

What are business use add-ons for pizza delivery drivers?

Food deliveries in America are growing fast, and auto insurance for fast food drivers are changing their coverage options to match.

Rather than purchasing a commercial policy, some insurance companies allow you to add a business-use designation to your personal policy. This option is cheaper than buying a commercial policy.

Companies that offer business-use add-ons for delivery drivers include:

  • Allstate
  • Progressive
  • State Farm
  • USAA

Best of all, these add-ons can cost as little as $10 a month.

Does restaurant insurance protect drivers?

When a delivery driver is involved in an accident, insurance companies want to go after the party with the most money — the pizza company.

Restaurants can purchase insurance to protect themselves from lawsuits when their drivers get into accidents. However, that protection doesn’t extend to drivers.

When you’re involved in an accident, the other person’s insurance will look at the company first. When they see how hard it is to take action against them, they may start looking at easier options — namely, you.

Some restaurants offer coverage to their delivery drivers, but Pizza Hut, Domino’s, Papa John’s, and Round Table Pizza do not. This is why pizza delivery insurance is so important to have.

How to Find Affordable Car Insurance Companies That Cover Pizza Delivery Drivers

If you’re driving on the streets and making money at the same time, you need something other than a personal policy to cover you. Car insurance companies that don’t cover pizza delivery drivers will not pay out on claims for accidents that happened while you were working.

Finding the cheapest car insurance for delivery drivers can be confusing, but an excellent place to start is with quotes. Enter your ZIP code in our free tool below to get free car insurance quotes from local companies today.