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

Unfortunately, you cannot get auto insurance quotes for Marco's Pizza. Auto insurance companies will offer commercial policies for delivery drivers. Get auto insurance for Marco's Pizza in the form of a commercial auto insurance policy, but before making a choice, be sure to compare quotes from at least three different auto companies.

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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: Sep 8, 2021

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A Concise Overview

  • Getting affordable Marco’s Pizza deliver driver insurance should be attainable in a few short steps
  • Some insurers will view delivering food as an enhanced risk and give you a commercial policy, which costs more
  • However, if you shop around, some auto insurance companies won’t make that specification

With the option to begin your job as a pizza driver at Marco’s, you’re likely looking for auto insurance for Marco’s Pizza. You can usually get a quote pretty easily, but the insurer may have to decide whether you qualify for a personal or commercial auto insurance policy.

Before you learn more about auto insurance for Marco’s Pizza, you can enter your ZIP code in order to get free quotes.

Does Marco’s Pizza offer auto insurance for drivers?

While Marco’s Pizza has locations across the country, they aren’t open about offering any kind of auto insurance, liability or otherwise. This puts the burden of car insurance on the driver, giving them an additional cost on top of gas and maintenance.

Some of the more progressive food delivery companies, like Postmates, have already begun to offer car insurance options for their drivers. This move puts them ahead of the established pizza companies that have been hiring delivery drivers for several decades without an auto insurance option.

However, until you can buy auto insurance for Marco’s Pizza directly from the company, you’ll need to provide your own auto insurance.

Personal vs. Commercial Auto Insurance

Your insurer will likely make a clear distinction between these two types of insurance. The two types of policies are fit for different situations:

  • Personal – This type of policy can cover everything from your vehicle to any damages done to property or people by your insurer
  • Commercial – Used by businesses, this type of policy typically costs more, as it’s used to ensure the business’s property as well as the surrounding environment

These policies apply to different situations and the insurer will likely make its own distinction about what policy your food delivery driver insurance coverage qualifies as. That being said, some insurers state clearly that they won’t make that distinction for pizza drivers.

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Auto Insurance Requirements for Marco’s Pizza

Most areas will require the minimum auto insurance required by state in order to protect those drivers might harm during an accident. On top of that, some states have begun enacting new laws that impose new requirements on food delivery drivers specifically.

Marco’s requires that its delivery drivers be 18 years old with a valid driver’s license as well as have a vehicle to make deliveries with.

Most states require minimum liability insurance, so any delivery driver would need to have that level of insurance to be on the road, anyway.

Where can you get auto insurance for Marco’s Pizza?

Luckily, you can get affordable auto insurance for Marco’s Pizza from almost any insurance company. Some insurers make distinctions on what kind of coverage someone can get when they’re delivering for a food company.

Auto Insurance Rates for Marco’s Pizza

Though you can’t get insurance through Marco’s Pizza, you can get special food delivery auto insurance rates. But how much does delivery driver insurance cost?

Depending on which insurance you have, you may have to pay over $200 for pizza delivery insurance. Below is an example of  a Progressive insurance policy for a pizza delivery driver.

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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Some insurers will view food delivery drivers differently, which may increase the cost of your car insurance.

Does food delivery increase auto insurance?

Some insurers will view your use of your personal vehicle to deliver pizza as qualifying for a commercial policy. This will cause you to receive a higher auto insurance quote for Marco’s Pizza, as the insurer will see the extra use of your vehicle as an added risk.

How can you get lower auto insurance rates for Marco’s Pizza?

There are a number of things you can do to get lower car insurance rates. An auto insurer will base your rates on the level of risk you pose for them having to pay out on your policy. The more likely you are to cause property damage or injury, the more you’ll have to pay to cover that risk.

There are a few simple things you can do to lower your auto rates, according to the III:

  • Drive Safely – A clean driving record will show that you are unlikely to get into accidents
  • Improve Credit – Making sure your payments are on time will show that there is a lower risk of you failing to pay on your premiums
  • Shop Around – Some auto insurers make it clear that they won’t change rates for those who deliver food or groceries, so finding those insurers specifically will help

Keeping your head down and obeying traffic laws to the best of your ability is the key to getting lower rates for your policy.

Auto Insurance for Marco’s Pizza: The Bottom Line

When it comes time to get an insurance policy, you can save a fair amount by shopping around. By going to an insurer that will provide a personal policy for Marco’s Pizza delivery auto insurance coverage, you’ll be able to avoid the price increase that comes with car insurance.

Now that you know more about auto insurance for Marco’s Pizza, enter your ZIP code into our free quote tool to find quotes from companies near you.

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