Auto Insurance for Domino’s Pizza (Cost & Requirements)

Domino's Pizza auto insurance rates are as low as $273.08/mo. If you don't carry extra auto insurance for Domino's Pizza drivers, you may not be covered if you are involved in an accident while delivering. You may add a business use policy to your existing coverage or get commercial insurance in place of a Domino's Pizza auto insurance policy to cover you while delivering pizzas.

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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 31, 2021

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A Concise Overview

  • Domino’s Pizza auto insurance is $273.08/mo with Progressive
  • Auto insurance for Domino’s Pizza is not provided by the company and drivers are required to have a personal auto insurance policy to drive for Domino’s Pizza
  • As a delivery driver, you may pay extra on your Domino’s Pizza auto insurance policy
  • If you’re in an accident while driving for Domino’s Pizza without proper coverage, your auto insurance provider may deny your claim

Domino’s Pizza auto insurance is essential for delivery drivers. As a delivery driver, your current auto insurance policy will likely not provide sufficient coverage if you are involved in an accident while delivering pizzas.

A lot of the time, people who deliver believe that the company they deliver for provides pizza delivery insurance coverage. Unfortunately, this is not always true.

While Domino’s and other delivery jobs require that you have proof of a valid auto insurance policy, they do not offer any coverage to you themselves. Typically, you will have to get a commercial auto insurance policy on top of your personal one.

Through this article, we will help you understand what you need to know to buy affordable Domino’s Pizza auto insurance, including what it means to work as a delivery driver using your vehicle and insurance policy.

Before learning more about Domino’s Pizza auto insurance, enter your ZIP code above to get affordable food delivery auto insurance quotes in your area.

Is there special Domino’s Pizza delivery driver insurance?

Domino’s Pizza auto insurance is not available through Domino’s company. Even though Domino’s delivery drivers have to find their coverage on their own, there are plenty of pizza delivery insurance programs available.

Because a personal policy does not cover a car used for commercial purposes, auto insurance companies will frequently recommend that pizza delivery drivers look into commercial auto insurance.

Commercial insurance protects anyone who is using their car for work purposes, including delivery drivers.

A commercial auto insurance policy will be separate from your personal one, which means a separate monthly bill. Separate bills can get expensive depending on the rates of your current provider.

A less-expensive Domino’s Pizza car insurance option is to look into an add-on for your current policy. Many companies offer rideshare add-ons for personal insurance policies, which are designed for food delivery drivers and those who drive for companies like Lyft and Uber.

An add-on policy starts up when you are on the clock, and it may be the more affordable alternative to purchasing a whole separate policy. You may also choose to apply for a temporary auto insurance policy until you know whether your current one will cover you or not.

A final possibility is a unique type of hybrid policy offered by GEICO commercial auto insurance, called the Rideshare policy.

This Rideshare policy acts as both personal and commercial coverage, meaning neither a separate policy nor an add-on is required to make your personal insurance a food delivery insurance policy.

As always, compare multiple policies, rates, and companies and talk with an agent before you buy Domino’s Pizza auto insurance. Doing this can save you lots of money in the long run.

How much are Domino’s pizza auto insurance rates?

Auto insurance rates vary depending on the driver and the auto insurance company, making average rates a challenge to define. Take a look at the following table for an idea of what personal and pizza delivery auto insurance rates are with Progressive.

Progressive Personal and Pizza Delivery Auto Insurance Rates
Type of Insurance CoverageProgressive
Monthly
Progressive
6-Month
Progressive
Annual
Rate Increase
Personal Insurance (No Delivery)$105.83$635.00$1,270.000.00%
Pizza Delivery (Just Business)$273.08$1,638.50$3,277.00158.03%
Pizza Delivery (Business/Personal)$296.83$1,781.00$3,562.00180.47%

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These are just the average auto insurance rates from one company. You can get car insurance for Domino’s Pizza through most auto insurance companies as a commercial or temporary policy, or as an add-on.

If you get an add-on to your existing policy, food delivery and Domino’s Pizza auto insurance rates go down considerably. However, although add-ons are much more affordable than buying a separate policy, they are not available through every provider.

If add-ons are not offered in your area, you may have no other choice but to look for the most cost-effective full auto insurance policy available. Whatever policy is available, it is vital to avoid delivering for Domino’s or any other service until you have the proper coverage.

To minimize your Domino’s Pizza delivery insurance costs, get multiple quotes from auto insurance providers near you to determine which provides the best coverage for the right price. 

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Will my personal auto insurance policy cover me while I deliver for Domino’s?

Normally, a personal auto insurance policy will not cover a pizza delivery driver in the event of an accident. The main reason for this is that a personal insurance policy is for personal use only.

As soon as you use your car for commercial or business purposes, such as delivering pizza, your personal policy ceases to provide any protection.

If you think it is unlikely that you will get into an accident while delivering, you should know that car accidents are among the largest cause of injuries in the United States.

Without adequate coverage, you may be driving uninsured any time you clock in to deliver pizzas. As an uninsured driver, you will be left to pay all the costs of an accident out of pocket, including repairs to your vehicle, medical bills, and even the expenses of car accident lawyers that you may need to employ. All of these combined can easily cost you thousands of dollars.

Since car crashes are so prevalent, it is in your best interest to make sure you are fully covered to avoid an expensive mistake.

How to Buy Domino’s Pizza Auto Insurance

Although Domino’s Pizza and other food delivery companies do not offer their delivery drivers coverage, drivers do have a few coverage options from which they can choose.

To ensure adequate coverage, Domino’s Pizza delivery drivers may choose to add a policy to their current one, switch to a commercial auto insurance policy, or apply for temporary auto insurance.

Even though there is not a particular Domino’s Pizza auto insurance company, almost all auto insurance companies offer a commercial or business policy to cover Domino’s Pizza delivery drivers.

The best way to save on auto insurance for Domino’s Pizza is to reach out to your current provider to see if your personal policy is one of the few that will protect you on the clock. You should also compare Domino’s Pizza auto insurance quotes from other local companies before you purchase a new policy.

Ready to buy Domino’s Pizza auto insurance? Enter your ZIP code into our free online tool below for instant food delivery auto insurance rates in your area.

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