Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Aug 31, 2021

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The Short of It

  • Godfather’s Pizza does not provide insurance for its drivers
  • Pizza delivery drivers who use their own vehicles must purchase commerical auto insurance
  • If you get into an accident while working without this coverage you will be on the hook for the cost of repairs

Are you a new delivery driver trying to learn more about Godfather’s Pizza auto insurance? We’re here to help.

Keep reading to learn more about what kind of auto insurance is required for delivery drivers and which companies offer the most affordable Godfather’s Pizza auto insurance rates from the best companies.

Do you want help finding the right Godfather’s Pizza auto insurance company right away? Enter your ZIP code above for a free quote.

Where can I buy Godfather’s Pizza auto insurance?

Luckily, most auto insurance companies will offer a commercial car insurance policy.

However, it can be expensive to purchase a whole commercial policy while maintaining your personal policy at the same time.

For those looking for a more affordable method of coverage, but cannot get a commercial endorsement, you may want to look into a hybrid policy.

A hybrid policy is offered by very few providers, however, it acts as both a commercial and personal policy all at once.

The most popular version of this policy is the GEICO Rideshare policy. This policy was designed specifically for rideshare drivers, like those who do Uber and DoorDash, but will extend to anyone doing deliveries.

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What is the most affordable Godfather’s Pizza auto insurance?

The most affordable commercial coverage option is to get an endorsement for your personal auto insurance.

Endorsements essentially are add-ons for insurance policies that allow you to add different types of coverage at a lower price.

Most endorsements can be added to your policy for less than $10 per month.

However, while these endorsements are the most affordable option for delivery drivers, they are not available everywhere. Not all insurance providers will offer these policies.

Do I need to buy special pizza delivery auto insurance?

This depends on several factors. The first factor is whether you are using your own car or not. For those using fleet vehicles, there are hired and non-owned auto insurance for pizza delivery drivers.

This is essentially insurance that the company pays for.

If you are using your car to deliver for Godfathers, or any other delivery company they employ, then you do need to purchase commercial auto insurance.

What is the difference between personal and commercial auto insurance?

Personal auto insurance is the insurance that we all are required to maintain by law. Delivery companies will require that drivers have personal auto insurance before they can be hired.

This is because they cannot employ a driver who is driving illegally.

Commercial auto insurance, on the other hand, is only necessary when a car is used for work purposes.

The cost of commercial auto insurance varies based on a number of factors, such as the vehicle type that is being covered. The table below will give you an idea of what you can expect to pay for commercial auto insurance.

Commercial Auto Insurance Average Annual Rates
Vehicle TypeMinimum Average Annual Rates for Commercial Auto InsuranceMaximum Average Annual Rates for Commercial Auto Insurance
Car$600$2,400
Semi$8,000 $12,500
Cargo/Delivery Van$3,300 $6,200
Limo$4,000 $6,000
Cab$5,000 $10,000
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Individuals can purchase commercial policies and companies can buy policies for fleet vehicles that are provided to their employees.

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What happens if I get into an accident without commercial pizza delivery auto insurance coverage?

Unfortunately driving deliveries without any form of commercial coverage is essentially driving uninsured.

If you were to file a claim with your personal auto insurance company for an accident while you’re on the clock, they are likely to deny it.

If you are at fault, the other driver will be protected by the delivery company’s liability auto insurance. However, you are not covered.

That means that you will be on the hook for all your car repairs and medical bills, even if your personal policy covers this.

Anyone who has been in an accident can attest to how quickly these bills can add up. Car repairs alone can climb into the thousands even for minor accidents.

It may be tempting to avoid paying for additional coverage just to work as a delivery driver. However, a single accident can cost far more than any of these coverage options, making going uninsured completely untenable.

This just makes getting the most affordable commercial coverage more important for delivery drivers.

To do this, we recommend comparison shopping as many providers as you can before you make your final decision.

Are you ready to get a free Godfather’s Pizza auto insurance quote? Enter your ZIP code below and we will get you started.