Hungry Howie’s Pizza Car Insurance: What to Know & How to Save (2021)

Hungry Howie's Pizza does not offer Hungry Howie's Pizza auto insurance to its delivery drivers. The company requires you to use your vehicle and, by extension, purchase your own delivery insurance as a delivery driver. Your car insurance policy may not provide enough coverage when you're delivering for Hungry Howie's Pizza. There aren't specific driving insurance companies, so you'll need to speak with your insurance agent to buy a commercial policy or a delivery driver add-on.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 17, 2021

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The Highlights

  • Hungry Howie’s delivery drivers are required to use their personal vehicles for deliveries
  • You’ll need to buy your own car insurance as a Hungry Howie’s delivery driver
  • Your personal car insurance policy may not provide enough coverage if you’re in an accident while working, so a commercial policy or delivery driver add-on may be necessary

If you’re a Hungry Howie’s Pizza delivery driver, you may be wondering what happens if you’re in a car accident on the job. Who is responsible for damages if you’re in an accident while working?

Can you buy Hungry Howie’s Pizza auto insurance? What are the Hungry Howie’s Pizza auto insurance requirements? Should you compare car insurance quotes to get pizza delivery driver insurance? Read this article to find out.

Ready to start shopping for affordable Hungry Howie’s Pizza car insurance? Use your ZIP code in the free tool on this page to start comparing Hungry Howie’s Pizza auto insurance quotes today.

Does Hungry Howie’s Pizza offer car insurance?

Hungry Howie’s Pizza does not offer delivery insurance or any other form of car insurance to its delivery drivers. The company franchises out its restaurant locations, so delivery drivers are not technically employees of Hungry Howie’s Pizza & Subs, Inc.

Instead, they are employed by the franchise owner of the location at which they work.

As a result, the only insurance coverage that may apply to delivery drivers is the commercial liability policy the franchise owner has in place for onsite issues. Delivery drivers are expected to use their own vehicles when delivering pizza for Hungry Howie’s, so their own car insurance coverage will apply in an accident.

According to Crosley Law, delivery drivers have some of the highest accident and fatality rates of any occupation, so you must have the coverage you need as a Hungry Howie’s Pizza delivery driver. Keep reading for more.

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What are Hungry Howie’s Pizza car insurance requirements?

Hungry Howie’s Pizza doesn’t appear to have specific food delivery car insurance requirements for its delivery drivers. However, regardless of where you live, there are some insurance requirements you’ll need to meet to drive legally.

Specifically, you’ll need to have car insurance that at least meets the minimum liability coverage limits set by the state in which you live. However, most personal car insurance policies don’t apply if you’re using your vehicle for business purposes.

Instead, you’ll have to get a commercial policy in addition to your personal one, which can get expensive.

The average commercial business policy will cost you an additional $150 per month on your car insurance rates. We know this can be cost-prohibitive. So what can you do to save?

While there are no specific delivery driving insurance companies, some companies do offer policy add-ons for delivery drivers, which will save you money, as compared to purchasing a commercial policy to add to your personal one. These companies include:

  • Crump Property & Casualty
  • GEICO
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

In addition to purchasing an add-on for delivery, you can also compare rates from at least three companies (use the free comparison tool on this page to get started) to ensure you’re getting the most affordable coverage for your needs.

Hungry Howie’s Pizza Car Insurance: The Bottom Line

Hungry Howie’s Pizza does not offer car insurance coverage for its delivery drivers. Instead, you’ll need to purchase your own coverage. A personal car insurance policy probably won’t cover you while you’re out on delivery, so you’ll need a commercial policy or delivery driver add-on to make sure you’re protected.

Before you go, why not use your ZIP code in our free tool to start comparing Hungry Howie’s Pizza car insurance rates today?

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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