Auto Insurance for Blaze Pizza (Cost & Requirements)

What auto insurance covers pizza delivery? If you are comparison shopping auto insurance for Blaze Pizza, know that, you cannot buy Blaze Pizza auto insurance. Like most delivery jobs, the company does not provide its drivers with auto insurance and a personal policy will not be enough. Delivery driving is using one's car for a business. You will need to procure a commercial policy, which costs about $1,700 per year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 26, 2021

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A Concise Overview

  • There are no Blaze Pizza auto insurance rates because Blaze Pizza does not provide drivers with an auto insurance policy
  • Those intending to drive for Blaze Pizza or any other delivery service need to carry commercial auto insurance
  • Drivers who fail to carry active coverage and get into an in-fault accident will have to pay out of pocket

Those who are comparison shopping auto insurance for Blaze Pizza need to know that the vast majority of delivery jobs do not provide their drivers with insurance coverage.

Even still, delivery drivers are like anyone — they need coverage. However, they need a specific form of coverage. We’ll cover what type of food delivery auto insurance you need as well as where you can get it.

Before we dive into auto insurance for Blaze Pizza drivers, type your ZIP code into our free and helpful tool above. With it, you will find affordable auto insurance quotes in your area.

Auto Insurance for Blaze Pizza Requirements

Considering delivery drivers spend a large chunk of time on the road, they end up being insurers’ favorites. This is because insurance companies analyze risk, and the more one is on the road the more they’ll pay.

So, all you need is a personal policy to drive legally, right? Do you need special insurance to deliver pizza? No matter which delivery job you choose, what you will need is a commercial auto insurance policy.

What is commercial auto insurance? It is the form of insurance policy that covers individuals who own a business.

Do delivery drivers operate a business? Technically, yes, because while you are delivering you are in fact using your automobile as a business.

How does the pricing for commercial coverage fare in comparison to the pricing for a basic liability policy? A commercial policy will cost, on average, $1,704 per year whereas liability costs $644.

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Does Blaze Pizza provide commercial coverage?

You will not be able to find affordable Blaze Pizza auto insurance quotes as there are very few delivery companies that provide their drivers with coverage.

Blaze Pizza is no exception, so you need to inform your insurer that you intend to use your vehicle for business purposes.

After doing so, you can add a commercial policy to your pre-existing personal policy. Let’s compare the rates offered by Progressive for business and personal policies.

Progressive Personal and Commercial Auto Insurance Rates
Type of Food DeliveryProgressive
Monthly
Progressive
6-Month
Progressive
Annual
Personal Insurance (No Delivery)$105.83$635.00$1,270.00
Food Delivery (Just Business)$273.08$1,638.50$3,277.00
Food Delivery (Business/Personal)$296.83$1,781.00$3,562.00
Pizza Delivery (Just Business)$273.08$1,638.50$3,277.00
Pizza Delivery (Business/Personal)$296.83$1,781.00$3,562.00
Catering (Just Business)$216.92$1,301.50$2,603.00
Catering (Business/Personal)$235.08$1,410.50$2,821.00
Food Truck (Just Business)$434.42$2,606.50$5,213.00
Food Truck (Business/Personal)$763.25$4,579.50$9,159.00
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As you can see, using your vehicle for food delivery more than doubles the rate for a personal insurance policy.

Let’s wrap up by seeing what happens if you fail to procure proper coverage.

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Auto Insurance for Blaze Pizza: Driving Without Coverage

Driving without coverage is illegal, no matter which state you’re delivering in. This is why it’s important to obtain the coverage you know will put you in the right, legally speaking.

Be sure to never go with the first choice you see without comparing rates to at least three insurance companies that offer commercial coverage.

Furthermore, be sure to ask about discounts whenever you deal with an insurance company. This includes starting up a commercial policy just as you would a personal one.

Hopefully, our look into auto insurance for Blaze Pizza drivers has answered all of your questions. Type your ZIP code into our free and helpful tool below to find affordable auto insurance rates in your area.

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