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 Chris Harrigan

UPDATED: Mar 6, 2022

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Key Takeaways

  • Some of the most common types of car insurance policies that cover pizza delivery drivers are rideshare insurance, hybrid insurance, and commercial auto insurance
  • Rideshare insurance is one of the cheapest types of delivery driver insurance coverage
  • Some of the best car insurance companies that offer affordable rideshare insurance policies are USAA, Progressive, GEICO, and State Farm

When it comes to car insurance, pizza delivery drivers need to have reliable coverage since a good portion of your time on the clock will be spent driving.

Finding the best insurance policy at a cost that fits with your budget can help to give you the coverage and protection you’ll need while making deliveries.

So how much does pizza delivery driver insurance cost? And why is auto insurance for fast food delivery drivers so important?

Read through our article to get all the information you need on what options are available to pizza delivery drivers and the rates you can expect to pay for pizza delivery driver car insurance.

Are you looking for affordable pizza delivery driver car insurance? Enter your ZIP code and get free quotes from the top car insurance companies in your area.

Is pizza delivery driver insurance expensive?

Pizza delivery driver insurance policies often have higher rates than regular car insurance policies, but some rideshare insurance policies are usually slightly more expensive to buy.

Purchasing rideshare coverage can increase your car insurance rates by 15%-20%, while a more expensive type of delivery driver insurance like commercial auto insurance can cost $142 per month on average.

However, multiple factors can affect your car insurance rates.

Along with the car insurance company you choose and the type of policy you buy, some additional factors that can affect your rates include your age, gender, driving history, and how many years of driving experience you have.

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What kind of car insurance do I need as a pizza delivery driver?

As a pizza delivery driver, there are various car insurance options available that you can choose from, and all these policies offer different amounts of coverage at different prices.

Most pizza places don’t offer car insurance coverage to their employees, so you’ll have to find your own coverage if your employer doesn’t provide car insurance.

Because a personal car insurance policy will not cover you if you’re making pizza deliveries with your car, you’ll need to look into all of the available options to see what gives you the level of coverage you’ll need as a delivery driver.

The only exception to this is if you add a rider onto your personal policy, such as rideshare coverage or a business notation that covers you while you’re making deliveries. Other car insurance options available for pizza delivery drivers include hybrid car insurance and commercial auto insurance.

However, commercial auto insurance is often considerably more expensive than the average delivery driver insurance policy. On average, you can expect to pay $142 a month for commercial auto insurance.

Rideshare gap coverage is another add-on that offers some of the best insurance for delivery drivers. With rideshare insurance, you typically won’t be covered during the period when you’re on the clock waiting for a delivery request.

However, with rideshare gap coverage, your personal car insurance will be extended to cover you during this period.

Before buying car insurance, you’ll need to consider all your options and compare different car insurance companies and products to see what suits your needs the best.

What are the best car insurance companies for pizza delivery drivers?

When buying car insurance for pizza delivery drivers, some of the best car insurance companies include USAA, Progressive, GEICO, and State Farm.

USAA Delivery Driver Insurance: Best for Affordable Rates

If you’re looking for affordable car insurance coverage, USAA has some of the lowest insurance rates for delivery drivers.

Rideshare insurance from USAA gives you coverage while making deliveries and provides gap car insurance coverage. Having gap coverage means that you will be covered even when you’re on the clock waiting for a delivery request since this period isn’t typically covered by rideshare insurance alone.

Although car insurance from USAA is only available for military members, veterans, and their immediate family members, rideshare gap coverage from USAA provides a high amount of coverage and is generally very inexpensive.

Typically, adding rideshare gap coverage onto your personal policy can cost you an extra $6-$8 a month, but rates can vary.

Progressive Delivery Driver Insurance: Best for Convenience

Progressive offers rideshare insurance that you can add to a personal policy, so you won’t have to worry about buying a new policy.

Rideshare insurance from Progressive also doesn’t require gap coverage to be purchased separately since the policy already provides comprehensive coverage and collision coverage whether you’re driving or waiting for a delivery request.

If you’re looking for a full-coverage policy and don’t want to buy a new policy or any add-ons, Progressive’s rideshare insurance can be a convenient option.

GEICO Delivery Insurance: Best for Coverage

The rideshare insurance option available at GEICO is called hybrid insurance. It replaces a personal car insurance policy with a new policy that covers you whether you’re making deliveries or driving on your own time, giving you full coverage.

This can be a convenient option for pizza delivery drivers who want full coverage but don’t want to worry about buying a separate car insurance policy just for making deliveries.

Although costs for rideshare insurance from GEICO can vary, deductibles can be as low as $250.

State Farm Delivery Driver Insurance: Best for Policy Simplicity

With delivery driver insurance from State Farm, you won’t need to purchase rideshare insurance if you aren’t driving with any passengers. All you need to do to be covered while making deliveries is to add a “business use” notation to your personal car insurance policy.

Typically, adding this notation onto your policy is cheaper than purchasing rideshare insurance, making State Farm a good choice for drivers that want low rates and a straightforward policy.

Car Insurance for Delivery Drivers: What’s the bottom line?

When it comes to pizza delivery driver insurance, you will have to purchase your own car insurance if your employer does not provide you with any.

There are many car insurance policies available for pizza delivery drivers, but the most common option available is rideshare insurance. Rideshare insurance is offered by USAA, Progressive, GEICO, and State Farm, but each company has different types of coverage available at different costs.

Next to adding a “business use” notation to your policy, rideshare insurance is generally the cheapest insurance for delivery drivers. With rideshare insurance, your insurance rates will increase by 15%-20% on average, but your rates will depend on factors such as your age, sex, and driving history.

To find coverage that best fits your needs, you’ll need to compare policies and take your individual coverage needs and budget into account. Ready to buy pizza delivery driver car insurance? Enter your ZIP code to get free quotes from the top car insurance companies in your area.