Domino’s Pizza Car Insurance: What to Know & How to Save (2022)

If you are considering a job delivering pizza for Domino's, did you know your existing insurance may not cover you while on the job? Most personal insurance policies will not cover on-the-job accidents or damage. Instead, you may need to get a separate commercial insurance policy. Keep reading to find out what Domino's Pizza auto insurance you need, and where to get it.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 23, 2022

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The Highlights

  • If you are working as a delivery driver you may need separate commercial car insurance
  • Domino’s Pizza does not provide full coverage insurance to its drivers
  • Most major insurance companies offer commercial insurance

If you or someone you know has been a delivery driver for Domino’s Pizza or some other delivery service, you know how important it is to take care of your personal vehicles. This includes having coverage via an insurance company, and knowing what your limits are just in case an accident occurs while you’re making a delivery. However, did you know your personal auto insurance policy may not cover you if you get into an accident?

The moment you clock into work, your personal auto insurance coverage clocks out.

That’s right, you’re going to need commercial coverage if you’re using your vehicle for commercial purposes. Keep reading to compare car insurance designed for personal and commercial use, and find out what sort of insurance you’ll need if you deliver for Domino’s Pizza in order to protect you and your livelihood. You’ll also be able to find out if Domino’s Pizza auto insurance is offered.

Are you in need of new, more affordable commercial auto insurance? Enter your ZIP code above and we will help you to compare car insurance rates in your area.

Will my personal insurance cover me when delivering for Dominos?

According to the Insurance Information Institute, your personal car insurance will not cover commercial driving.

While car insurance rules vary widely from state to state, the overarching rule is that personal car insurance does not cover delivery jobs that involve a personal vehicle.

The reason for this is that the automobile insurance most people sign up for is considered ‘personal’ insurance. That means that it is designed for everyday use, not consistent travel associated with business usage.

You may be thinking, how have I never heard of this? You are not alone.

Many individuals who deliver pizza for Dominos and any other food delivery service are not aware that their personal car insurance ends the moment that they clock in, and that they need delivery driver insurance to cover them.

In fact, it is commonly something that is discovered only after an accident occurs, and they find themselves on the hook for expensive repairs or medical bills. This is why it’s important to understand the difference between a commercial policy and a personal auto policy. It’s better to be safe than sorry.

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Does Domino’s Pizza delivery car insurance exist?

Technically yes. Domino’s Pizza auto insurance is something that the company has. However, in the event of an accident, Domino’s delivery insurance is designed to protect the restaurant vs. the driver.

The insurance that the company provides is more of liability insurance than anything, and may not protect you or your vehicle in the event of an accident. It would still be considered better than your personal policy, since that wouldn’t cover you at all, but you’ll want to see if there are other options for pizza delivery auto insurance available.

What type of insurance do I need if I am a delivery driver?

If you have delivery job where you’re not provided a company vehicle and you’re using your own, you are going to need commercial car insurance. Commercial auto insurance policies are designed to protect you and your personal car while you are using it to perform your job.

This can be anything from on-the-clock travel to acting as a Domino’s Pizza delivery driver.

Why is commercial auto insurance for pizza delivery a thing? When you use your car for work, you will inevitably put more miles on and spend more time in your car. This naturally increases your risk of accidents or damage. Auto insurance companies will see these vehicles at more of a risk for auto accidents.

Commercial car insurance accounts for that and other factors that come into play when you go from driving for fun to driving for funds.

Where can I get commercial insurance?

If you’ve discovered you need commercial car insurance, what now? Well, the good thing is that almost all of the most popular car insurance providers, such as GEICO and Progressive, also offer commercial car insurance rates. Delivery insurance coverage is becoming much more common.

In fact, many large companies, in the wake of big delivery companies like GrubHub and Postmates, have delivery auto insurance policies specifically designed for those with food delivery drivers in mind. You can get commercial car insurance quotes online, and insurance for delivery drivers is becoming more common.

The less good news is that you are going to be looking at a separate policy from your personal insurance policy, and the cost of it is going to vary widely depending on a number of factors. The auto insurance providers you’re considering, your personal claims history, and many other variables will determine what you pay.

As with shopping for any other kind of insurance, it’s important to get as many quotes for delivery insurance rates as possible when you are looking for commercial car insurance. Not just for cost purposes, but to make sure you’re going to be taken care of by a company that cares.

Remember to compare not only the price but the coverage offered, as not all policies will offer the same protection.

Want to start looking at insurance companies near you for pizza delivery car insurance? Enter your ZIP code below and we will help you find local providers who meet your needs.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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