Olive Garden Delivery Driver Car Insurance: What to Know & How to Save (2021)

Olive Garden delivery driver auto insurance is not a typical policy that most Olive Garden franchises participate in. You will need to buy a commercial or business-use auto insurance policy to ensure proper coverage if an accident occurs while you are out delivering. Delivery driver car insurance can range from $125/mo. to $145/mo. depending on your circumstances. Each person's situation is different and with that, comes plenty of coverage options.

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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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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: Jan 12, 2022

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The Highlights

  • In most cases, Olive Garden does not typically provide its drivers with commercial or business-use auto insurance
  • Delivery driver car insurance falls under the business-use auto insurance umbrella, which you will need to purchase on your own
  • If your location does provide delivery driver car insurance, your personal vehicle might not be covered should an accident occur while making deliveries 

Olive Garden delivery driver auto insurance is not something that is typically offered when hired as a delivery driver but is a necessity when on the road. You need to make sure you have the correct type of coverage if an accident were to occur while you are working.

While Olive Garden delivery driver auto insurance requirements are sometimes vague, it is helpful to compare car insurance rates to figure out the best deal for your circumstances. The right policy will ensure that you and your vehicle are covered in the case of any accident.

Keep reading below to find out more about our Olive Garden delivery driver auto insurance reviews. 

Enter your ZIP code in our free comparison tool to compare delivery driver car insurance rates from top companies.

Does Olive Garden offer delivery driver car insurance?

The simple answer to this question is no. While Olive Garden does not carry its own set of insurance policies when it comes to business-use auto insurance for personal vehicles, they do encourage other alternatives. 

Food delivery is projected to increase 12% each year starting in 2023.  With this spike in deliveries and at-home services, specifically tailored car insurance is becoming a must. 

In most cases, Olive Garden has options for both independent contractors and in-house employed drivers. Each will have their own set of regulations to follow and will depend on your state. But you will most likely be held responsible for understanding and meeting insurance requirements.

With finding the right kind of affordable Olive Garden delivery driver car insurance rates, this will be your best way to help protect yourself while on the road. 

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What are delivery driver insurance options?

Since Olive Garden doesn’t have their own specific delivery driver insurance, it makes shopping around for insurance fall back onto the driver. In most cases, these policies will also be more expensive than the average auto policy. 

While this might seem stressful and overwhelming, there are plenty of options on the market that make this process easier and more affordable than most. 

Let’s look at what each covers:

Commercial car insurance Business-use car insurance
Specialized vehicles designed for specific jobs Vehicles used for trips through regular traffic
Liability damages Loading and unloading liability
Collision or comprehensive physical damage Collision coverage for costs associated with an accident, regardless of who is at fault
Medical expenses for injury to occupants  Medical payments coverage for the cost of hospitalization, treatment, and funeral expenses
Damages sustained by occupant(s) due to the negligence of an uninsured driver Uninsured and underinsured motorist coverage
Some state regulations differ

Most of what is covered under both are interchangeable with a few small exceptions. The reality is that commercial car insurance and business car insurance are both under the category of insurances that provides coverage for all types of on-the-road businesses.

Both of these types of insurances will, on average, be more expensive than a regular personal auto policy. 

The reason for this hike in costs comes down to commercially used vehicles posing higher risks. These vehicles present more frequent use and are more likely to have an increase in traffic-related accidents.

Unfortunately, these circumstances drive up insurance rates and therefore cost more for the insurer. With the rise of Covid-19, more food delivery drivers are out on the road, increasing these statistics all across the U.S.

According to an NHTSA study, done at the end of 2020, estimates showed that the number of fatal car crashes increased by around 7.2%; the largest projected numbers since 2007.

Do I need commerial or business car insurance to deliver for Olive Garden?

Technically no, you are not required by law to be insured as a delivery driver for Olive Garden. But commercial or business auto insurance may be a great option for those who are making delivering full-time.

While, yes, it may be more expensive than a personal auto insurance policy, it is always beneficial to compare car insurance policies to ensure what best fits your needs and especially your driving habits.

Another great way to cover yourself is to add-on to an already existing auto policy.

Companies like Progressive Insurance are known for offering excellent rates that can be discounted with add-ons or bundles, regardless of whether you are looking for part-time delivery drivers’ car insurance or you drive full-time.

What are cheap delivery driver car insurances?

As stated before, Progressive offers plenty of discounts when it comes to add-ons and bundles. But are they the cheapest?

Let’s look at some of the top insurance companies for comparison.

Companies Annual Rates (based on mileage)
Progressive (10-24 miles) $4,030.02
Allstate (10-24 miles) $4,841.71
GEICO (10-24 miles) $3,162.64
Liberty Mutual (10-24 miles) $5,995.27
Nationwide (10-24 miles) $3,437.33
Compared to 25 miles and up

While Progressive doesn’t have the cheapest car insurance on the market, they do offer some unique programs to help limit the costs in the long run. Their infamous pay-as-you-drive insurance policy records the driving behaviors of their policyholders and determines rates based on that data.

Using their Snapshot program, Progressive tracks your driving pattern for up to six months through the mobile app and plug-in device. Once installed, it begins to record your braking habits, speed limits, and mileage.

This is a unique program that can have long-term benefits for Olive Garden delivery drivers. It’ll give discounts specifically tailored to good driving habits and rewards accordingly.

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What happens if I use my personal auto insurance policy for business use?

Any claims you make fraudulently will be denied. Since typical car insurance policies do not cover the business usage of motor vehicles, claims that are made under false pretenses will most likely be denied.

You might also be accused and fined for a fraudulent claim if your insurance provider finds you at fault.

These hefty penalties will not only result in fines but could result in the loss of your license as well.

Insurers will always do thorough research into any claim before any type of payout is made. If you are found to be using your vehicle to make deliveries of any kind without the proper coverage, your insurer will find out and you may be fined.

The best way to avoid any unnecessary hassles is to make sure you are covered. While it might seem overly protective, in the long run, it not only saves you time and money but will protect you from other reckless drivers on the road.

Finding the right affordable Olive Garden delivery driver car insurance will take some shopping around. Enter your ZIP code now into our free tool above and start saving today.

Are you looking for free insurance quotes?

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

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