Auto Insurance for Hungry Howie’s Pizza (Cost & Requirements)
If you want to buy auto insurance for Hungry Howie's Pizza, there are some things you should know. Hungry Howie's Pizza does not provide its drivers with an auto insurance policy. The company requires their drivers to operate their own vehicle as well as purchase their own insurance. To deliver food legally, the driver would need to purchase a commercial policy or delivery driver add-on.
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UPDATED: Aug 26, 2021
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- Hungry Howie’s delivery driver must use their own vehicles
- Drivers need to purchase their own auto insurance
- A personal auto insurance policy will not be sufficient; you will need to add a commercial policy or delivery driver add-on
If you drive for Hungry Howie’s Pizza, you’re probably wondering what you need to be on the road legally. Delivery driving requires a specific form of coverage and you may be looking for affordable Hungry Howie’s Pizza auto insurance.
Can you buy Hungry Howie’s Pizza auto insurance? Are the requirements like auto insurance for professional drivers? Are there pizza delivery insurance programs? And what does delivery driver insurance cost?
Before learning more about auto insurance for Hungry Howie’s Pizza, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable delivery driver auto insurance quotes in your area.
Does Hungry Howie’s Pizza offer an auto insurance policy?
There are no Hungry Howie’s Pizza auto insurance quotes because as a delivery driver, you cannot be supplied an auto insurance policy by Hungry Howie’s Pizza. Should you work for the company, you will essentially be an independent contractor.
The only time you’ll be covered while on the job is when you are in the brick and mortar Hungry Howie’s location. This means, when you are on the road, you will be required to carry your own auto insurance policy.
Crosley Law states that “Delivery service drivers are among a group of occupations with the highest fatality rate in the United States.”
In short, it is of the utmost importance that you have proper coverage while behind the wheel. So, what form of coverage do you need?
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Auto Insurance for Hungry Howie’s Pizza Requirements
While Hungry Howie’s Pizza itself doesn’t require specific coverage, each state requires special coverage be held by those utilizing their vehicle for business purposes.
This is called commercial auto insurance coverage. This type of policy is for those who own a business. This includes delivery driving, because you are technically using your vehicle as a business.
However, food delivery auto insurance requires you to also need to carry your state’s minimum liability coverage.
Minimum Liability Coverage
Let’s take a look at a table that shows your state’s minimum liability requirements.
|State||Insurance required||Minimum liability limits|
|AL||BI & PD Liab||25/50/25|
|AK||BI & PD Liab||50/100/25|
|AZ||BI & PD Liab||15/30/10|
|AR||BI & PD Liab, PIP||25/50/25|
|CA||BI & PD Liab||15/30/5|
|CO||BI & PD Liab||25/50/15|
|CT||BI & PD Liab, UM, UIM||25/50/20|
|DE||BI & PD Liab, PIP||25/50/10|
|DC||BI & PD Liab, UM||25/50/10|
|FL||PD Liab, PIP||10/20/10|
|GA||BI & PD Liab||25/50/25|
|HI||BI & PD Liab, PIP||20/40/10|
|ID||BI & PD Liab||25/50/15|
|IL||BI & PD Liab, UM, UIM||25/50/20|
|IN||BI & PD Liab||25/50/25|
|IA||BI & PD Liab||20/40/15|
|KS||BI & PD Liab, PIP||25/50/25|
|KY||BI & PD Liab, PIP, UM, UIM||25/50/25|
|LA||BI & PD Liab||15/30/25|
|ME||BI & PD Liab, UM, UIM, Medpay||50/100/25|
|MD||BI & PD Liab, PIP, UM, UIM||30/60/15|
|MA||BI & PD Liab, PIP||20/40/5|
|MI||BI & PD Liab, PIP||20/40/10|
|MN||BI & PD Liab, PIP, UM, UIM||30/60/10|
|MS||BI & PD Liab||25/50/25|
|MO||BI & PD Liab, UM||25/50/25|
|MT||BI & PD Liab||25/50/20|
|NE||BI & PD Liab, UM, UIM||25/50/25|
|NV||BI & PD Liab||25/50/20|
|NJ||BI & PD Liab, PIP, UM, UIM||15/30/5|
|NM||BI & PD Liab||25/50/10|
|NY||BI & PD Liab, PIP, UM, UIM||25/50/10|
|NC||BI & PD Liab, UM, UIM||30/60/25|
|ND||BI & PD Liab, PIP, UM, UIM||25/50/25|
|OH||BI & PD Liab||25/50/25|
|OK||BI & PD Liab||25/50/25|
|OR||BI & PD Liab, PIP, UM, UIM||25/50/20|
|PA||BI & PD Liab, PIP||15/30/5|
|RI||BI & PD Liab||25/50/25|
|SC||BI & PD Liab, UM, UIM||25/50/25|
|SD||BI & PD Liab, UM, UIM||25/50/25|
|TN||BI & PD Liab||25/50/15|
|TX||BI & PD Liab, PIP||30/60/25|
|UT||BI & PD Liab, PIP||25/65/15|
|VT||BI & PD Liab, UM, UIM||25/50/10|
|VA||BI & PD Liab, UM, UIM||25/50/20|
|WA||BI & PD Liab||25/50/10|
|WV||BI & PD Liab, UM, UIM||25/50/25|
|WI||BI & PD Liab, UM, Medpay||25/50/10|
|WY||BI & PD Liab||25/50/20|
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Note that the third column is a series of three numbers. These are minimum liability limits.
So, 25/50/25 would mean $25,000 is the limit the insurer will pay out for bodily injury to one person per accident. The second number is the limit the insurer will pay out for all people injured in an accident.
The last number is the limit the insurer will pay out on property damage. So, for 25/50/25, this will again be $25,000.
Let’s go ahead and wrap up our look into Hungry Howie’s Pizza auto insurance.
Auto Insurance for Hungry Howie’s Pizza: In Review
Now that you know what you need, where can you get it? There are no insurance companies that offer policies tailored to delivery drivers. However, some major insurance companies offer add-ons.
These save money in opposition to adding a commercial policy to an existing personal one. Major companies that offer delivery driver add-ons include:
- State Farm
In short, you have reputable options for insurers who can meet your needs without breaking the bank.
Just make sure that you always ask about discounts when interacting with your insurer. Furthermore, always compare these Hungry Howie’s Pizza auto insurance rates to those offered by three or more companies.
Now that you’ve finished learning about auto insurance for Hungry Howie’s Pizza delivery drivers, type your ZIP code into our free and helpful tool below to find the most affordable auto insurance quotes in your area.