Papa John’s Car Insurance: What to Know & How to Save (2022)

If you're looking to get affordable Papa John's car insurance, you can find on-demand delivery insurance from a number of established insurers. You cannot buy Papa John's car insurance from the company, but it is possible to find food delivery auto insurance. Rates may be over $200 a month due to the high-risk rating some insurers assign to drivers.

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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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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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 Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • Most Papa John’s delivery drivers can get affordable rates
  • While some delivery companies provide insurance, Papa John’s doesn’t
  • As long as you maintain a clean driving record, you can find affordable Papa John’s car insurance rates

These days, everyone wants things at their fingertips, but can you get of on-demand delivery insurance Papa John’s? You won’t be able to buy Papa John’s car insurance. Delivery drivers will have to compare care insurance for themselves.

To prevent being held financially liable in case of an accident, make sure you have an auto insurance policy that covers you as much as possible. Depending on your car and how frequently you work, you may be able to get decent car insurance for less.

Curious about how you can get Papa John’s auto insurance rates? Enter your ZIP code to get an idea of what you could pay.

Do I need car insurance to be a Papa John’s delivery driver?

To be hired as a delivery driver for Papa John’s, you need to have some form of car insurance when applying, or shortly thereafter, as your potential new employer will likely ask for proof of auto insurance before your first day.

Getting some form of liability car insurance is already required in most states, so this likely wouldn’t be an issue for anyone who has been driving for a time before their application to Papa John’s.

When someone gets into an accident and is found liable, they have to pay out of pocket to cover the cost of any damage done to people or property. Even in a minor accident, the costs can start to pile up, and if you have to pay out of pocket, you’ll quickly find yourself bankrupt.

Since Papa John’s offers no kind of auto insurance policy, it’s up to the delivery driver to get car insurance to protect themselves and their vehicle. Make sure that you have insurance to cover even the most minor of accidents.

Papa John’s Delivery Driver Requirements

There are some rules the hiring manager has to follow before you can start work. Some rules vary by state and branch, but some of the most common factors are:

  • Age – Must be 16 years old minimum, the legal driving age in the United States
  • Registration – You and your car must be registered with your local DMV, and that includes keeping up to date with your tags and license
  • Insurance – Most states will require that drivers have at least minimum amount of liability insurance available in their state
  • Drug Screen – Depending on location, some Papa John’s will test their delivery drivers for any illegal substances prior to hiring

If you don’t meet these requirements, Papa John’s will not hire you.

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How much does car insurance for Papa John’s delivery drivers cost?

Luckily, there are insurers who specifically offer food delivery insurance policies for pizza drivers. These insurers have a proven record of offering auto insurance for delivery drivers:

  • Progressive
  • Allstate
  • State Farm

There are many others, and other delivery companies may offer some form of auto insurance already. These insurers will offer Papa John’s car insurance quotes that are affordable.

Why Delivery Drivers Might Be Considered High Risk

While this will largely vary between auto insurers, it’s a fact that a Papa John’s delivery driver will spend more time in their car than they would in most other occupations.

Spending so much time on the road can lead to an increase in accidents or traffic violations.

You can expect your Papa John’s car insurance rates to go up when your insurer labels your policy as business. However, if you can maintain a good driving history, you should be fine. Some insurers even have special classifications for food delivery drivers.

Does “pizza delivery insurance” really exist?

When you initially buy an insurance policy, you are asked about the business use of the vehicle. The reason you’re asked is that business vehicles cost more to insure as delivery drivers are considered higher risk than personal drivers.

Those currently without a commercial auto insurance policy do need to upgrade to one before hitting the road to deliver pizza. While paying more due to higher levels of risk is unavoidable, getting a deal on a commercial policy is possible.

Different Types of Car Insurance

The two types of insurance all delivery drivers should know about are liability and car value. These types of insurance cover other people’s property and yours, respectively. Most states require that you have some form of liability insurance to make sure your vehicle is covered.


How to Get Affordable Food Delivery Car Insurance

According to the III, here are a few things that you can do to get lower rates from your car insurance company. Most of these tips can apply to most lowering rates for most auto insurers:

  • Compare – Whether you currently have a policy or are looking for one, there check multiple companies to make sure you get the best rate
  • Safe Driving – The more you can do to lower your driving risk, the more insurable you become
  • Increase Deductible – If you think you’re less likely to get into an accident, or don’t mind paying out of pocket, then a high deductible can save you on premiums

As long as you can prove you’re a safe and informed driver, then an insurer will be much more likely to look past any previous hiccups. In this way, it’ll be more inclined to help you with affordable Papa John’s car insurance.

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Papa John’s Car Insurance: The Bottom Line

While Papa John’s doesn’t offer any auto insurance of their own, there are ways to get affordable food delivery auto insurance. As long as you can drive safely and obey traffic laws, you’ll have no problem paying your premiums and doing your job at Papa John’s.

Pizza delivery drivers need to have a commercial insurance policy in order to be covered during an accident while working.

If you are going to deliver pizza, you need to understand the delivery driver insurance requirements. 

Make sure you have proper delivery insurance coverage prior to delivering the pizza

Now that you know more about Papa John’s car insurance, enter your ZIP code into our free tool to get an idea of what you can pay for delivery driver car insurance.

Are you looking for free insurance quotes?

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

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