Pizza Delivery Car Insurance (2022)

Delivery drivers will need a commercial policy to pay for pizza delivery car insurance claims. Pizza companies do not provide insurance coverage for their drivers, and your personal policy will not cover you.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 20, 2022

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The Rundown

  • Pizza companies do not provide pizza delivery car insurance for their drivers
  • Delivery drivers need commercial car insurance to cover them while on the clock
  • Claims made to a personal policy will be denied if the accident happened while on delivery

A personal car insurance policy will not cover you when you’re in an accident on delivery. You must have a commercial policy or pizza delivery car insurance to pay for delivery insurance claims.

Delivery drivers can choose to purchase a separate commercial policy or add pizza delivery insurance coverage to their personal car insurance.

Some pizza companies provide certain levels of coverage to delivery drivers. Keep reading to learn when you’re covered by pizza delivery auto insurance and which companies provide the best food delivery car insurance coverage.

Ready to buy pizza delivery car insurance? Enter your ZIP code above to start shopping and get multiple insurance quotes from local providers in your area for free.

What kind of car insurance for pizza delivery do drivers need?

Commercial auto insurance for delivery drivers is the only kind of car insurance that properly covers pizza delivery drivers. Personal policies will not cover you when you use your vehicle for business purposes. If you’re in an accident while on delivery, you could be responsible for all costs out of pocket.

Most pizza companies, such as Pizza Hut delivery insurance, only provide liability coverage. This is not enough to cover your own injuries. Delivery drivers need collision insurance to cover an accident that happens while on the clock, and a commercial policy or business-use add-on will provide that coverage.

Unfortunately, there isn’t a specific pizza delivery insurance company. There’s no such thing as a State Farm pizza delivery insurance policy, but most of the top insurance companies provide rideshare and commercial policies for delivery drivers, including State Farm, GEICO, and Progressive.

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How much does pizza delivery driver insurance cost?

Insurance companies will look at your driving record and the type of car you drive when determining delivery driver insurance costs. Your age, gender, and ZIP code will also influence the final premium cost. 

On average, you can expect to pay between $50-$200 per month on commercial car insurance for delivery drivers.

To lower your pizza delivery car insurance rates, consider getting a business-use add-on to your personal policy instead. Based on how often you will be out on delivery, it can be cheaper and only slightly increase your current monthly rates.

Pizza Delivery Car Insurance: The Bottom Line

Since delivery drivers are responsible for finding their own coverage, it’s important to shop around with different companies to find the most affordable pizza delivery car insurance quotes. Start here with our free quote comparison tool below.

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