Auto Insurance for Pizza Delivery Drivers (Cost & Requirements)

Auto insurance for pizza delivery drivers provides coverage for those who deliver pizza or other foods for work. Finding pizza delivery driver auto insurance is getting easier as insurance companies adapt to a growing gig economy. You may want to consider purchasing a business-use add-on or commercial auto insurance policy to make sure you're covered.

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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 30, 2021

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A Concise Overview

  • Auto insurance for pizza delivery drivers provides coverage for those who deliver pizza and other foods for work
  • You should speak with your employer and your personal auto insurance company to understand what requirements you must meet
  • The safest way to make sure you’re covered is to buy a commercial auto insurance policy

When you drive your vehicle for work purposes, especially to deliver pizza or other food, having adequate auto insurance coverage is especially important. The more you drive, the more likely it is that you will be in an accident, so making sure you’re protected is critical.

Read below about auto insurance for pizza delivery drivers, how much pizza delivery driver auto insurance costs, and what type of insurance you should consider.

Enter your ZIP code into our free quote comparison tool above to get auto insurance quotes for pizza delivery drivers.

What is auto insurance for pizza delivery drivers?

Auto insurance for pizza delivery drivers is exactly what it sounds like. It provides coverage for you and your vehicle if you deliver pizza or other food as an occupation.

Depending on the type of coverage you have and who purchases the coverage, auto insurance for pizza delivery drivers may only include liability auto insurance, which would cover other people and their property in an accident.

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How much is auto insurance for pizza delivery drivers?

Auto insurance rates for pizza delivery drivers will vary depending on the type of policy you decide or are required to purchase.

For example, you could add an endorsement to your personal auto insurance that allows you to use your car for business purposes to a certain extent, which is likely to be more affordable than a separate commercial policy.

A commercial auto insurance policy could cost between $50 and $200 per month, with cars being some of the most affordable vehicles to insure.

Do you need special insurance to deliver pizza?

What auto insurance covers pizza delivery? The requirements you will face when it comes to auto insurance for pizza delivery drivers are going to depend on your employer and possibly your personal auto insurance company.

If you are not driving your personal vehicle, but instead are driving a business vehicle, your employer should have insurance that will cover at least liability in the case of an accident. However, be aware that your license will still be marked with violations.

The table below shows which delivery companies provide insurance coverage.

Pizza Delivery Companies Auto Insurance Coverage for Drivers
Delivery CompanyAuto Insurance Coverage
BringMeThatNo
CaviarYes
Up to $1 million per accident for medical expenses
$100,000 accidental death benefit and $100,000 survivor's benefits (eligible dependents)
Accidental Disability benefit up to $500 per week
Delivery.comNo
Domino'sNo
DoorDashYes
Liability: $1 million (you have to exhaust your own coverage first)
EatStreetNo
FoodlerNo
GrubHubNo
Jimmy John'sNo
OrderUpNo
Papa John'sNo
Pizza HutNo
PostmatesYes
Liability: $1 million (you have to exhaust your own coverage first)
Round Table PizzaNo
UberEATSYes
Liability: $1 million
In between trips: $50,000 per person/accident
$100,000 per accident
$25,000 for property damage
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If you are driving your personal vehicle to deliver pizza or other foods, your personal auto insurance policy is not likely to cover you during work hours.

Some auto insurance companies will allow you to add a business-use endorsement to your personal policy that will provide limited coverage, but this generally isn’t enough for full-time pizza delivery drivers.

Your employer may provide some liability coverage, but this only covers business liability. It will not cover your injuries or damage to your vehicle if you are in an accident while working.

The safest way to make sure you’re protected is to purchase a commercial auto insurance policy. However, you may want to speak with your personal auto insurance company first to figure out your options.

You should never use your personal vehicle for work purposes without telling your personal insurer, as they could deny claims for accidents that occur while you’re working, or even cancel your policy altogether.

Where can I find affordable pizza delivery driver auto insurance?

With more people joining the gig economy to work for companies such as DoorDash or GrubHub, personal auto insurance companies are expanding their services to provide coverage for pizza delivery drivers and other food delivery drivers.

The first place you should look for an auto insurance company for pizza delivery drivers is the company you are already buying your insurance from. Chances are, your insurance company will offer some type of coverage that could meet your needs.

Some major auto insurance companies that are well-known for their pizza delivery driver auto insurance include GEICO and Progressive. State Farm, Allstate, and Erie also offer a wide range of commercial insurance products and add-ons.

If you’re looking to buy auto insurance for pizza delivery drivers, enter your ZIP code into our free quote comparison tool below to see rates from auto insurance companies in your area.

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