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 24, 2021

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The Short of It

  • Commercial auto insurance is required when you use your car for work
  • The most affordable auto insurance option for delivery drivers is a commercial endorsement
  • If you do not purchase commercial auto insurance you may have to pay for repairs out of pocket

Before you start working as a pizza delivery driver on the side, you need to learn more about pizza delivery auto insurance coverage.

Keep reading to learn more about commercial coverage and how to get the most affordable policy.

Do you want to get a jumpstart on comparing free pizza delivery auto insurance quotes? Enter your ZIP code above and we’ll help you get started.

Do I need pizza delivery auto insurance?

That depends on where you work and how your company operates. There are some companies that offer commercial coverage to their drivers.

Other companies, however, like DoorDash and Postmates, do not provide the requisite insurance.

In this case, you do need to purchase some form of commercial coverage. Commercial auto insurance comes in three main forms:

  • Commercial endorsements
  • Hybrid policies
  • Separate commercial policies

It may seem odd that you have to purchase separate insurance when you are using your car for work when most delivery companies and restaurants require you to maintain personal auto insurance to be employed.

Why do you need it if it will not provide coverage while you’re on the clock?

The reason for this is that it is illegal to drive without valid insurance. Companies cannot employ someone who is not driving legally.

However, while you are required to have insurance to drive, personal auto insurance does not provide coverage to you while you’re on the clock.

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How much does delivery driver insurance cost?

That depends on what type of coverage you purchase. The most affordable pizza delivery auto insurance policy is a commercial policy endorsement.

These can range from $5 to $20 per month, depending on the provider and coverage offered. This is added to your existing personal policy, so it is easily the most cost-effective way to get commercial coverage when driving delivery.

Hybrid policies are the next most affordable policy out there for delivery drivers. This policy replaces your personal auto insurance policy and provides commercial coverage in addition.

The pizza delivery auto insurance rates for this policy will vary depending on your driving history, age, and other factors.

The least cost-effective commercial coverage is the separate commercial policy. This is just a commercial auto insurance policy that is completely separate from your personal policy.

Commercial auto insurance rates also vary depending on your personal information.

However, because you will have to pay for both a personal and commercial policy, this is generally the least affordable way to get coverage.

Where can I get pizza delivery auto insurance?

The good news for pizza delivery drivers is that most auto insurance providers offer commercial coverage.

From State Farm pizza delivery insurance to GEICO’s rideshare car insurance, there are policies for both part-time and full-time delivery drivers.

However, while most companies will offer commercial coverage, the most affordable policies, endorsements, and hybrid policies are only available in certain areas.

Separate commercial policies are available from almost every auto insurance provider. The main benefit of these policies is that they may provide more coverage than is offered by endorsements.

What happens if I get into an accident while on the clock?

That depends on whether or not you have purchased a policy from a pizza delivery auto insurance company. Let’s take a look at the two outcomes.

If You Do Not Have Commercial Coverage

The short answer: you could be out thousands of dollars.

If you are found at fault for the accident and don’t have commercial coverage, you cannot file a claim for the accident. This means you will have to pay for car repairs and medical bills.

All delivery companies will provide liability coverage to protect themselves. This will provide coverage for the other party in the accident, but not cover you as the driver.

Car repairs alone can easily cost thousands, and if you’re doing deliveries to make extra money, this can be a huge blow to your savings.

If You Do Have Commercial Coverage

You get to file a claim. Then your auto insurance provider will evaluate the claim and pay for your repairs and medical bills as required by your policy.

That’s it, nice and simple. Other than your deductible, you won’t pay anything out of pocket, so you can continue saving money and making deliveries with ease.

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How do I find the most affordable commercial coverage?

So, you need to find commercial coverage, how do you get started?

The first step is to see what your options are in your area. Do any providers offer endorsements? Do they offer hybrid policies? If they do, then you want to take the time to compare the rates each provider offers.

If they don’t, it’s time to start comparison shopping separate commercial policies. We can help you get started.

Now that you’re ready to buy pizza delivery auto insurance, enter your ZIP code below for a free quote.