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

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Jul 19, 2021

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The Short of It

  • Papa John’s auto insurance isn’t provided through the company
  • Standard auto insurance policies won’t cover an accident while making deliveries for work
  • For food delivery auto insurance, you need a commercial or business-use policy

Auto insurance for delivery drivers isn’t the same as personal-use insurance. Depending on who you drive for, you may or may not be provided with the policy you need to handle an auto accident on the job. In the case of Papa John’s, you will need to buy your own commercial policy.

Checking out various companies will help ensure you get the best Papa John’s auto insurance rates. Starting by looking at company information, like State Farm and Progressive reviews, can lead you in the right direction.

To compare affordable Papa John’s auto insurance quotes, enter your ZIP code now and start saving.

Do I have to carry a commercial auto insurance policy as a Papa John’s delivery driver?

When it comes to on-demand delivery, insurance is essential in protecting you and your car in the event of an accident. Papa John’s requires its drivers to have auto insurance, but they don’t specify the type. More often than not, this protection will come from purchasing a commercial policy.

Commercial Papa John’s auto insurance is available from several companies. The rates can vary drastically. If you have a hard time finding an affordable Papa John’s auto insurance policy, you may want to look into a business-use policy.

Most of the top-rated Papa John’s auto insurance companies will offer a business-use policy. If you are interested in adding a business-use policy, it may be easiest to inquire with your current insurer.

Here is a quick look at the average commercial auto insurance rates based on the kind of vehicle you drive.

Average Minimum and Maximum Monthly Insurance Rates for Commercial Policies by Vehicle Type
Vehicle TypeMonthly Minimum Commercial Auto Insurance RatesMonthly Maximum Commercial Auto Insurance Rates
Delivery Van$275$516
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As you can see, commercial and business-use policies are a bit pricey. However, when you pair them with discounts, they can be pretty affordable.

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What is the most affordable Papa John’s auto insurance company?

Pretty much all the major insurance companies are going to be able to offer a commercial policy. However, their rates can vary drastically. When you are looking for the best Papa John’s auto insurance rates starting with GEICO and Progressive is a good idea.

These two companies are known for offering reasonable starting rates and stellar discounts. Keep in mind that shopping around is critical. While Progressive and GEICO provide many people the cheapest rates, it could be different for you.

Here are some sample rates from Progressive that include how much it may cost to insure your vehicle while working as a delivery driver.

Papa John's Average Monthly Progressive Auto Insurance Rates by Policy
Type of Auto Insurance CoverageProgressive Monthly Sample RatesMonthly Rates Increase Sample (Compared with a Personal Policy)
Personal Auto Insurance (No Delivery)$105.83N/A
Personal Auto Insurance (+ Delivery)Not AvailableNot Available
Business-Use + Personal Auto Insurance (Food Delivery)$296.83180.47%
Business Only Auto Insurance (for Food Delivery)$273.08158.03%
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It’s easy to see that you are going to pay more for a business-use or commercial policy. However, it is essential that you buy one to ensure you are covered in the event of an accident while on the job.

If you are ready to buy Papa John’s auto insurance, enter your ZIP code now and compare quotes from top-rated companies.