Pizza Delivery Car Insurance: What to Know & How to Save (2021)

If you are a food delivery driver, you need special car insurance. Pizza delivery car insurance is offered by many traditional companies and will cover damages if you are in an accident. Your personal auto insurance won’t cover claims while you are working, and you usually won’t be covered under the business insurance. Compare quotes online to get the pizza delivery auto insurance coverage you need.

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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: Mar 4, 2021

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The Highlights

  • If you deliver pizza, you will need to get special pizza delivery car insurance
  • Your personal auto insurance won’t cover any damages while you’re making deliveries
  • The business you work for may provide some coverage, but it’s best to carry your own policy

As a pizza delivery driver, you need to make sure you have the correct auto insurance in case of an accident. Pizza delivery car insurance helps protect you while you’re on the road making your deliveries.

While it might be possible to find affordable pizza delivery car insurance, you still need to shop around and compare car insurance quotes for the best deal.

Many companies offer coverage, so it’s easy to compare rates from multiple companies. Compare pizza delivery car insurance quotes now by entering your ZIP code above.

What is pizza delivery car insurance?

If you have your own car, delivery jobs are pretty easy to find. Whether you’re driving for a food delivery service or for a specific restaurant, chances are the company you work for doesn’t fully insure you.

If you are a food delivery driver and use your own car, your personal auto insurance probably won’t cover you if you get in an accident. Car insurance companies make a distinction between personal use and business use.

Pizza delivery auto insurance will help pay for damages in the event you cause an accident while you are working. If you only have personal car insurance, you could be held personally responsible for any property and bodily injury damages.

You will need your own commercial auto insurance to be fully covered while delivering pizza. Although there are no Domino’s insurance or specific pizza delivery car insurance companies, you can find coverage through standard auto insurance companies.

Pizza delivery car insurance rates will be based on the same factors as personal auto insurance. Your age, driving record, and where you live will all play a part in determining your car insurance rates.

Most restaurants have their own liability insurance, but it doesn’t necessarily extend to you.

According to the Insurance Information Institute, business owners have to insure vehicles if the business owns them. If you own the car, you have to provide insurance. However, even if the business doesn’t cover you under insurance, it will probably still be sued since it has the most coverage.

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Pizza Delivery Car Insurance: The Bottom Line

In the event of an accident, while you’re delivering pizza, you need to make sure you have the right car insurance coverage. Otherwise, you might have to pay for damages yourself because your auto insurance company will deny your claim.

If your teen driver is delivering pizza, you might consider putting them on their own policy to cover any accidents they might have on the job. In some states, this will limit the parent’s liability in the accident.

Since many traditional companies offer coverage, shop around before you buy pizza delivery car insurance. Enter your ZIP code now to compare rates and find the best coverage for you.

Are you looking for free insurance quotes?

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

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