Pizza Delivery Auto Insurance for 2021

Most pizza delivery restaurants don’t offer pizza delivery auto insurance. Those that do typically only provide liability coverage that applies to other drivers if you’re in an at-fault accident. It won't cover any of your expenses resulting from the accident. The best food delivery car insurance options you can purchase are a commercial policy or a delivery driver add-on. You can save on your delivery driver insurance costs by comparing pizza auto insurance rates from multiple companies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jun 22, 2021

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What You Should Know

  • Many pizza delivery restaurants expect delivery drivers to use their own vehicles
  • If you use your own vehicle, you’ll need to make sure you have the right insurance coverage, and a personal policy may not be enough
  • You should also consider purchasing a commercial car insurance policy (or a delivery driver add-on), even if you can get pizza delivery auto insurance through the restaurant

Are you a pizza delivery driver or thinking about becoming one? If so, you probably have a lot of questions.

Where can you buy food delivery auto insurance? What auto insurance options are available for pizza delivery drivers? What is the best pizza delivery auto insurance company?

Can you get pizza delivery auto insurance from pizza delivery restaurants? What happens if you’re in an accident while out on delivery? How much does average delivery driver insurance cost?

We recommend starting with understanding auto insurance, and you’re in the right place for that. Read this article to learn everything you need to know about pizza delivery car insurance.

Ready to start shopping for affordable pizza delivery auto insurance? Use your ZIP code in the free comparison tool above to compare delivery auto insurance quotes from local companies today.

Do you need special auto insurance as a pizza delivery driver?

Many pizza delivery companies expect delivery drivers to use their own vehicles (rather than company vehicles) to deliver products.

In limited cases, companies may offer liability coverage that applies when drivers are out on delivery, but this coverage typically only pays for damages and injuries to other drivers when the delivery driver is involved in an at-fault accident.

So what kind of car insurance overage do delivery drivers need to purchase?

While you probably know that you need at least minimum liability auto insurance that meets the limits set in your state to drive legally, that won’t be enough to cover you as a delivery driver. In fact, no matter how much coverage you buy for your personal insurance policy, it probably won’t be enough.

Why? Most personal insurance policies don’t cover drivers when they use their vehicles for business purposes like pizza delivery. For that, you’ll need commercial auto insurance coverage. It’s a good idea to purchase this coverage regardless of whether the pizza delivery restaurant you deliver for offers liability coverage or not.

According to Crosley Law, having the right coverage as a pizza delivery driver is especially important because delivery drivers are more likely to get in accidents than individuals in nearly every other occupation.

So how much does pizza delivery insurance cost and where can you find the cheapest rates? Keep reading for more.

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Where and how can you buy pizza delivery auto insurance?

For the most part, there aren’t any companies that specifically sell pizza delivery car insurance. For example, you won’t be able to buy State Farm pizza delivery insurance. However, you can buy commercial coverage from most major insurance companies (including State Farm).

It can get expensive though; with a commercial policy, you’ll see a rate increase of an average of $150 per month.

One of the best ways to save is by comparing multiple pizza delivery auto insurance quotes to ensure you’re getting the best price for your coverage.

If your teen is a delivery driver, there are a few other tips you can use to save on rates, including:

  • Taking a driver education course – some companies offer up to a 10% discount for proof of completion
  • Getting good grades – many insurance companies offer good student discounts of up to 25% for a GPA of 3.0 or higher
  • Driving an affordable vehicle – a smaller, older vehicle typically costs less to insure than newer, more expensive models

Another option for saving is to ask about a delivery driver add-on (rather than buying a full commercial auto insurance policy). Companies that offer this include:

  • Crump Property & Casualty
  • GEICO
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

This coverage can be added to your existing policy (if your insurance company offers it as an option). All you need to do is speak with your insurer.

Pizza Delivery Auto Insurance: The Bottom Line

If you work for a pizza delivery restaurant that requires you to use your own vehicle while delivering, you’ll need to make sure you have the right insurance coverage.

A personal policy won’t cover you while out on delivery, and if the restaurant offers liability coverage to delivery drivers, it’s still a good idea to get a commercial policy as well to make sure you’re fully covered if you’re in an accident.

Ready to buy pizza delivery auto insurance? Enter your ZIP code in our free tool below to start comparing pizza delivery auto insurance rates from local companies right now.

Frequently Asked Questions: Pizza Delivery Auto Insurance

If you still have questions about pizza delivery car insurance, read through these frequently asked questions for more information.

What auto insurance should pizza delivery company owners purchase?

If the pizza company provides vehicles for delivery drivers, commercial auto insurance coverage needs to be purchased for those vehicles. If drivers use their own vehicles, a hired and non-owned auto insurance policy is a good idea.

This coverage protects the company if a driver is involved in an accident while out on delivery, and the other individuals involved in the accident expect the company to pay for damages. It’s important to note that restaurant policies like this don’t cover delivery driver damages.

Can you buy auto insurance for food trucks?

Food truck owners typically need to purchase a commercial auto insurance policy for the vehicle. In addition, it’s a good idea to purchase both property insurance and general liability insurance.

Can you buy auto insurance for catering?

Yes. Commercial auto insurance is recommended for all catering vehicles.

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