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

Godfather's Pizza auto insurance rates are as low as $273.08/mo. If you don't carry extra auto insurance for Godfather'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 Godfather'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 25, 2021

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A Concise Overview

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

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

Frequently, people who deliver food assume that the company they deliver for provides on-the-job pizza delivery auto insurance coverage. Unfortunately, this is not always the case.

While Godfather’s Pizza and other delivery jobs require that you have valid auto insurance, they do not provide any coverage to you themselves. Most of the time, you will need to purchase a commercial auto insurance policy in addition to your current one.

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

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

Will my personal insurance cover me when delivering for Godfather’s Pizza?

Generally, a personal insurance policy alone will not cover a pizza delivery driver in an on-the-job 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 purposes, such as delivering pizza, your personal policy ceases to provide any protection.

Without sufficient coverage, you could be driving uninsured any time you clock in to deliver. As an uninsured driver, you will have to pay all the costs out of pocket if you get into an accident.

Some of the resulting expenses of an uninsured accident include repairs to your vehicle, medical bills, and even the expenses of car accident lawyers that you may need to employ. All of these factors combined can easily cost you thousands.

For those who doubt the likelihood of an on-the-job accident, the CDC concludes that car accidents are among the leading causes of injuries in the United States. As car crashes are so prevalent, it is beneficial to make sure you are fully covered to avoid an expensive mistake.

To keep your delivery driver insurance costs at a minimum, we recommend talking through all of your Godfather’s Pizza auto insurance options with an insurance agent.

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Is there special Godfather’s Pizza auto insurance for delivery drivers?

As stated before, Godfather’s Pizza insurance is unavailable to its delivery drivers. However, there are plenty of additional Godfather’s Pizza auto insurance options available.

Because a personal policy does not cover a car used for commercial purposes, providers frequently recommend pizza delivery drivers invest in commercial auto insurance.

Commercial insurance, also referred to as business insurance, protects anyone using their car for work purposes, such as delivery drivers.

If you choose to buy a commercial auto insurance policy, know that it 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 Godfather’s Pizza auto insurance option is to look into an add-on for your policy. Many companies offer rideshare add-ons for personal insurance policies. These add-ons are designed for food delivery drivers and those who drive for companies like Lyft and Uber.

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

Another option is a unique type of hybrid policy that GEICO commercial auto insurance offers, called the Rideshare policy.

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

Some businesses opt for hired and non-owned auto insurance for pizza delivery drivers. A hired and non-owned auto insurance policy extends the liability on a commercial policy to cover a vehicle owned by an employee for occasional use.

The best way to buy Godfather’s Pizza auto insurance is to shop around and compare multiple quotes from different companies. Comparing rates gives you a better understanding of what you will end up paying for your Godfather’s Pizza auto insurance.

How much does commercial auto insurance cost?

Auto insurance rates vary depending on the driver and the auto insurance company, which makes any average rates a challenge to define. If you can get an add-on to your existing policy, food delivery and Godfather’s Pizza auto insurance rates decrease considerably.

Although add-ons are much more affordable than purchasing a separate policy, they are not available everywhere. If they are not offered in your area, you may have no other choice but to search out the most cost-effective full auto insurance policy available.

With that in mind, look at the following table for an idea of what you may pay for personal and pizza delivery auto insurance rates 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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You can get Godfather’s Pizza auto insurance through most auto insurance companies as a commercial or temporary policy, or as an add-on. Whatever policy is available, it is essential to avoid delivering for Godfather’s Pizza or any other service without the proper coverage.

To minimize your Godfather’s Pizza auto insurance costs, talk through all of your options with an insurance agent.

Godfather’s Pizza Auto Insurance: The Bottom Line

Although Godfather’s Pizza and other food delivery companies do not offer their delivery drivers coverage, drivers have a few additional coverage options.

Even though there is not a particular Godfather’s Pizza auto insurance company, almost all auto insurance companies offer a commercial/business policy or another coverage option for Godfather’s Pizza delivery drivers.

To be certain of sufficient coverage, 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.

It’s important to know that making a change to your current auto insurance policy may result in a new quote or new rates as a reflection of added risk.

The best way to save on Godfather’s Pizza auto insurance is to reach out to your current auto insurance provider to see if your personal policy is one of the few that will protect you while working.

It is also useful to compare Godfather’s Pizza auto insurance quotes before you purchase a new policy.

Not yet ready to buy Godfather’s Pizza auto insurance? Enter your ZIP code into our free online tool for instant food delivery auto insurance rates in your area.

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