Auto Insurance for Pizza Ranch (Cost & Requirements)

Pizza Ranch auto insurance rates are as low as $273.08/mo. If you don't carry extra car insurance for Pizza Ranch deliveries, you may not be covered if you are involved in an accident while on delivery. You may add a business-use policy to your existing insurance coverage or get a commercial auto insurance policy to act as Pizza Ranch auto insurance coverage.

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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 31, 2021

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A Concise Overview

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

Pizza Ranch auto insurance is essential for Pizza Ranch delivery drivers. As a delivery driver, your current auto insurance policy will 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 car insurance. Unfortunately, this is not usually the case.

While Pizza Ranch and other delivery jobs require that you have valid auto insurance, they do not provide any coverage to you themselves. More likely than not, you will have to get a commercial auto insurance policy on top of your current one.

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

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

Is there special Pizza Ranch auto insurance for delivery drivers?

Pizza Ranch auto insurance is currently unavailable to Pizza Ranch delivery drivers through the company, 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, also known as business 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 Ranch 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 kicks in when you are on the clock and can be a more affordable alternative to purchasing a separate auto insurance 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.

GEICO’s 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.

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How much are Pizza Ranch auto insurance rates?

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

Take a look through the following table for an idea of what you may pay for personal auto insurance and business 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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These rates are just averages from one company, but you can get commercial or Pizza Ranch auto insurance through most auto insurance companies. For example, if you’re looking for State Farm pizza delivery insurance, the company’s commercial insurance policy would cover you.

If you can get an add-on to your existing policy, your food delivery and Pizza Ranch auto insurance rates go down considerably. However, although add-ons are much more affordable than purchasing a separate policy, they are not available through every provider.

If they are not offered in your area, you may have no choice but to look for the most cost-effective full auto insurance policy available. Whatever kind of policy is available, it is critical to avoid delivering for Pizza Ranch or any other service without the right coverage.

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

Generally, your personal auto insurance policy will not cover a pizza delivery driver in the event of 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 vehicle for business or 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. Driving uninsured means that you will be left with all the costs if you get into an accident.

An uninsured accident is extremely expensive, easily costing you thousands of dollars. You may be left to pay out-of-pocket 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 imperative to make sure you are fully covered to avoid an expensive mistake.

In addition to having proof of auto insurance, Pizza Ranch requires its drivers to meet the following criteria:

  • Be at least 18
  • Have an acceptable driving record
  • Have a valid driver’s license

To keep delivery driver insurance costs at a minimum, we recommend comparing delivery driver auto insurance quotes from multiple companies in your area.

How to Buy Pizza Ranch Auto Insurance

Although Pizza Ranch and other food delivery companies do not offer delivery drivers auto insurance policies, drivers do have a few coverage options.

Even though there is not a specific Pizza Ranch auto insurance company, almost all auto insurance companies offer a commercial or business policy option for Pizza Ranch delivery drivers.

To ensure sufficient coverage, Pizza Ranch 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 Ranch 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 while you deliver. It is also beneficial to compare Pizza Ranch auto insurance quotes before you purchase a new policy.

Ready to buy Pizza Ranch 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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