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 26, 2021

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The Short of It

  • Hungry Howie’s Pizza car insurance is not provided to delivery drivers
  • If drivers work with a third-party company like DoorDash or Uber Eats, they may be provided auto insurance if the company chooses to offer it
  • If a company does not provide commercial coverage for its drivers, the driver is responsible for purchasing that coverage elsewhere
  • The most affordable form of commercial coverage is through a commercial add-on to an existing policy

If you are a new delivery driver for Hungry Howie’s Pizza, you need to look into Hungry Howie’s Pizza auto insurance coverage.

Keep reading to learn what kind of insurance you need and how much delivery driver insurance costs.

Do you want to get a jumpstart on finding affordable Hungry Howie’s Pizza auto insurance? Enter your ZIP code above to see free quotes from local companies.

What kind of auto insurance do I need as a delivery driver?

If you are working as a delivery driver and using your own vehicle, you need to purchase commercial auto insurance. This is because when you drive your car to make deliveries, you are technically using your vehicle for commercial purposes, not personal ones.

The three main ways you can obtain commercial coverage are:

  • Commercial endorsements
  • Hybrid policies
  • Separate commercial policies

The good news is that there are lots of pizza delivery insurance programs out there that you can take advantage of to ensure you remain covered both on and off the clock.

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What is the most affordable food delivery auto insurance policy?

There are several types of commercial auto insurance policies out there, but the most affordable Hungry Howie’s Pizza auto insurance rates can be found with commercial endorsements.

A commercial endorsement is an affordable way to add commercial coverage to your existing personal auto insurance policy.

This addition allows you to “turn on” commercial coverage whenever you are working your delivery job without having to purchase an entirely separate commercial policy.

Endorsements are often less than $10 per month. This makes them easily the most affordable method of insuring your car for delivery work. In comparison, individual commercial policies can cost hundreds of dollars.

However, endorsements are not offered by all providers or in all locations. Take the time to reach out to your existing auto insurer and see if you can easily add this coverage to your policy.

The next most affordable way to get commercial coverage is to look into hybrid personal-commercial policies. This is a unique type of coverage that has only just started to emerge.

A hybrid policy acts as both your personal and commercial coverage simultaneously.

These policies remove the need to purchase separate commercial coverage, which can save you a lot of money in the long run. However, just like endorsements, these are not available everywhere.

Currently, the most popular version of this policy is the GEICO Rideshare policy, and it is only offered in certain locations.

What happens if I don’t have commercial auto insurance?

So, let’s say you don’t take the time to get a policy from a Hungry Howie’s Pizza auto insurance company, what happens then?

Well, if you should get into an accident while out delivering pizza, you could end up on the hook for thousands of dollars in repairs.

Your employer will likely offer liability coverage, but when you use your car for commercial purposes, a personal auto insurance policy won’t provide coverage.

Instead of being able to file a claim, you will have to pay for any car repairs and medical bills out of pocket.

This can get expensive quickly when you consider that according to the CDC, the average medical cost associated with a car crash is around $3,300.

That is just for initial treatment, not even any additional medications, procedures, or copays you may run across.

In addition, you will be responsible for the cost of repairs to your vehicle. Even small crashes can require big-ticket repairs.

Unlike when your insurance covers repairs, you will also have to pay for some kind of alternative transportation in the event your car will be out of commission for several days.

All in all, it doesn’t make sense to drive underinsured, so take the time to compare Hungry Howie’s Pizza auto insurance quotes and find a policy that fits your budget.

Do I qualify for commercial auto insurance?

Yes! Anyone who uses their car for commercial purposes can get some form of commercial coverage. However, which type of coverage you can get will depend on where you live.

If your current provider doesn’t offer any of these affordable options, you may need to switch insurance companies.

Take the time to compare auto insurance policies from multiple companies before you settle on one.

Remember, while it may seem extraneous to purchase commercial coverage for a part-time job, the cost of not getting coverage is considerably higher.

Are you ready to buy Hungry Howie’s Pizza auto insurance? Enter your ZIP code below and we’ll help you get a free quote right now.