How much more do pizza delivery drivers pay for car insurance?

UPDATED: Jul 23, 2012

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UPDATED: Jul 23, 2012Fact Checked

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Asked July 23, 2012

1 Answer

Pizza delivery drivers are considered as a high risk group of drivers to insure. Not only are they trying to squeeze as many deliveries as possible into each hour they work, they are also under pressure to deliver the food fast and hot. And the risks go even farther when you consider that the average delivery driver for a pizza chain is under 25 years old, the highest risk group of drivers on the road.

For insurance companies, driving your car for pizza delivery transforms the vehicle from a personal ride to a commercial vehicle. What that means for you is that you need a different, higher priced form of car insurance. Commercial insurance is generally quite a bit more expensive than a personal policy, but it also carries higher liability coverage.

What a commercial policy will cost is almost impossible to say without a lot more information. Your driving history, age and other personal demographics will affect policy costs, as will how often you drive for business, the details concerning the vehicle itself. If you have the option of doing so, consider insuring an older car for the job, which would allow you to drop collision and comprehensive coverage, and focus your insurance premiums on liability concerns.

Because of the many, many variables involved, even giving you an estimate of the increased cost of car insurance would be unreliable, but you can get an online car insurance quote to find out what the cost will be for you, and there is no obligation to buy the policy. This will let you get an idea of what commercial insurance will be for you and your car, and that may help you decide whether the job pays enough to make pizza delivery a career option or not.

Answered July 23, 2012 by Anonymous

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