Auto Insurance for Pizza Hut (Cost & Requirements)

Pizza Hut auto insurance is important for Pizza Hut delivery drivers. If you don't carry extra insurance coverage, you may not be covered if you are involved in an accident while working. You need to add a business use policy to your existing insurance coverage or get a commercial auto insurance policy in place of a Pizza Hut 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 23, 2021

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A Concise Overview

  • Pizza Hut auto insurance is not provided, so drivers are required to have a personal auto insurance policy to drive for Pizza Hut
  • Driving for Pizza Hut may cost you extra on your auto insurance policy
  • If you’re in an accident while driving for Pizza Hut without proper coverage, your auto insurance provider may deny your claim

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

Often, people who deliver are under the impression that the company they work for provides food delivery auto insurance. Unfortunately, this is not usually the case.

While Pizza Hut 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 have to get a commercial auto insurance policy on top of your personal one.

This article will help you understand what you need to know to buy affordable Pizza Hut auto insurance, including what it means to work as a delivery driver using your vehicle and insurance policy.

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

Will my personal insurance cover me when delivering for Pizza Hut?

What auto insurance covers pizza delivery? Generally, a personal 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.

The moment that you use your vehicle for commercial purposes, such as delivering pizza, your personal policy ceases to provide any protection.

Without adequate coverage, you could be driving uninsured any time you clock in at your delivery job. If you get into an accident, you will be left with all the costs.

An uninsured accident can easily cost thousands of dollars. You may be left to pay for repairs to your vehicle, medical bills, and even the expenses of car accident lawyers that you need to employ.

According to the CDC, car accidents are among the largest cause of injuries in the United States. With car crashes so prevalent, it is beneficial to make sure you are fully covered to avoid an expensive mistake.

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Is there special Pizza Hut auto insurance for delivery drivers?

Do you need special insurance to deliver pizza? As stated before, Pizza Hut insurance is unavailable to Pizza Hut delivery drivers, leaving them to find other means of auto insurance coverage.

Because a personal policy does not cover a car used for commercial purposes, an often-recommended type of auto insurance for pizza delivery drivers is 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.

Another, less-expensive, Pizza Hut auto insurance option is to look into an add-on for your 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.

The add-on policy activates when you are on the clock, and it can be a more affordable alternative to purchasing a whole 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.

The Rideshare 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.

How much does commercial auto insurance cost?

Auto insurance rates vary depending on the driver and the auto insurance company, making any average rates challenging to define.

If you can get an add-on to your existing policy, food delivery and Pizza Hut auto insurance rates go down considerably. However, 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 choice but to search out the most cost-effective full policy available.

That being said, check out 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
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 Pizza Hut auto insurance through most auto insurance companies. Whatever policy is available, it is critical to avoid delivering for Pizza Hut or any other service without the proper coverage.

Pizza Hut Auto Insurance: The Bottom Line

Although Pizza Hut and other food delivery companies do not offer their delivery drivers coverage, drivers do have a few coverage options.

To ensure adequate 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.

The best way to save on Pizza Hut auto insurance 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. It is also beneficial to compare Pizza Hut auto insurance quotes before you purchase a new policy.

Not yet ready to buy Pizza Hut 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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