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

  • Little Caesars Pizza does not provide auto insurance for its delivery drivers
  • Drivers are required to purchase commercial auto insurance any time they use their car for commercial purposes
  • The most affordable commercial coverage is a commercial add-on for a personal policy

If you are about to start delivering pizza for Little Caesars, you need to know about Little Caesars Pizza car insurance.

Keep reading to learn more about pizza delivery auto insurance and how to find the most affordable commercial insurance coverage.

Do you want to jumpstart your search for affordable Little Caesars Pizza auto insurance? Enter your ZIP code above to see free quotes from insurance companies in your area.

What kind of pizza delivery auto insurance do I need when working for Little Caesars Pizza?

When you’re working as a delivery driver, you may think that your personal auto insurance is enough.

However, that is not the case. If you’re using your own car to make deliveries for work, you need to purchase commercial auto insurance.

There are three different ways to purchase commercial auto insurance specifically for delivery drivers. The first is with a whole commercial policy.

A whole commercial policy refers to purchasing a separate commercial policy in addition to your personal policy.

This will result in you having two policies, each providing different types of coverage, and paying two monthly bills. This is generally going to be the most expensive way to get commercial coverage.

However, this is easily the most accessible option for delivery drivers, as almost every auto insurance provider will offer commercial policies.

The next option is to get an endorsement for your existing personal policy. This essentially adds commercial coverage to a personal auto insurance policy.

The last way you can add commercial coverage is through a hybrid policy. A hybrid policy refers to an auto insurance policy that provides both personal and commercial coverage.

tWith a hybrid policy, your personal and commercial coverage will be consolidated under one policy with one bill from one provider.

However, hybrid policies are rare, and very few are currently offered on the market. As delivery driving and rideshare companies grow in popularity, more insurance companies will likely make hybrid policies available.

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What is the most affordable food delivery auto insurance?

If you are looking for the most affordable Little Caesars Pizza auto insurance rates, a commercial endorsement is every delivery driver’s first choice.

Endorsements, on average, cost less than $10 per month. This cost is added on top of your existing monthly bill, so it is easy to pay and requires very little work on your part.

Many auto insurance companies will offer endorsements specifically targeted at delivery drivers and rideshare drivers.

However, not all auto insurance companies will offer commercial endorsements, which means you may need to change providers to get this benefit.

The next most affordable commercial auto insurance policy is the hybrid policy. These policies can be more expensive than a traditional personal auto insurance policy. This is because it is offering two types of coverage at once.

However, when you compare the cost of a single hybrid policy to purchasing a personal and commercial policy separately, the hybrid policy is generally going to be more cost-effective.

Like endorsements, hybrid policies are not available everywhere. The most popular version of this policy is the Rideshare policy offered by GEICO.

According to GEICO, Rideshare is not available in all states or all cities due to the nature of the coverage. Read our GEICO car insurance review to learn more about the company.

What happens if I don’t buy Little Caesars Pizza auto insurance?

While it may seem that purchasing commercial auto insurance is too expensive, it is actually considerably more cost-effective than not purchasing any kind of coverage.

This is because delivery driving without commercial auto insurance is essentially driving underinsured.

So, let’s say you get into an accident, it’s your fault, and you’re on the clock. Normally you would submit a claim to your personal auto insurance; however, if you’re working, this is not an option.

While your employer will carry liability insurance to protect the other party involved in the accident, you will not be protected.

Instead, you will be responsible for repairing your vehicle and any medical bills for injuries you suffer. According to the CDC, the medical bills alone average $3,300, to say nothing of the car repairs.

If you’re picking up shifts as a delivery driver for extra cash, you probably can’t afford any unexpected bills for thousands of dollars. Rather than run the risk of losing your savings to a car crash, it’s best to take the time to purchase commercial coverage.

Little Caesars Insurance: The Bottom Line

While there is no specific Little Caesars Pizza auto insurance company, the vast majority of auto insurance providers will offer policies for delivery drivers.

However, with this wealth of options comes the need to shop around before you settle on one provider.

We can help you there. We want you to compare auto insurance with ease and make your decision with confidence.

If you’re ready to get a free Little Caesars Pizza auto insurance quote, enter your ZIP code below and we’ll help you get started.