Pizza Hut Car Insurance: What to Know & How to Save (2022)

Before you start doing deliveries for Pizza Hut, it's important to understand Pizza Hut car insurance. Pizza Hut does not provide insurance to their drivers so to keep yourself covered, you will need to sign up for commercial insurance. This can be a separate policy or, in some cases, an add-on to your existing personal car insurance.

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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 Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • If you work as a delivery driver for pizza hut you need special car insurance
  • Personal car insurance will not cover delivery work, so you will need a commercial policy to protect you
  • There are several types of commercial coverage available depending on your location and budget

Extra money, driving around your town, listening to music while you work, sounds like a great deal, right? That’s probably what drives so many people to become a pizza delivery driver.

However, despite all the apparent advantages, there are some things about being a Pizza hut delivery driver that you may not know.

The biggest one? Pizza Hut car insurance is not offered to delivery drivers. In fact, if you have ever worked for a food delivery service, Pizza Hut, Domino’s, GrubHub, etc, you have likely done so uninsured.

The reason? Even if you have a policy with the best insurance company in your area, they won’t cover using your car for commercial purposes. Instead, you will need a commercial insurance policy. This makes sense as your personal auto insurance policy is intended for a car you use for personal reasons only.

Are you looking for new car insurance to cover you while you’re at work at Pizza Hut? Enter your ZIP code above to see local car insurance rates available now.

What car insurance does Pizza Hut offer?

As far as you and your property are concerned, Pizza Hut, and most other food delivery companies, offer no insurance to their food delivery drivers. They have liability insurance that protects them if you injure someone else or damage property during an on-the-clock accident.

That means that you could find yourself on the hook for thousands of dollars of damage if you get into an accident while delivering pizza.

In fact, according to the CDC, the average cost of a trip to the emergency room after a car crash is over $3,000.

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What insurance do I need to deliver pizza for Pizza Hut?

Using your car for work means you will need a type of commercial car insurance to be properly protected.

The two most common ways to cover your delivery job are to get a separate commercial policy from your car insurance company or an add-on to your current policy.

Another type of coverage is that offered by GEICO commercial auto insurance. They have created a rideshare policy that acts as a hybrid, bridging the gap between a personal and commercial policy to include the best of both.

This GEICO food delivery insurance policy acts as commercial insurance while you are working and when you are off the clock, it returns to being a personal auto policy.

How much does commercial insurance cost?

The cost of commercial car insurance can vary widely, depending on everything from your driving record to what car you drive. The best car insurance for a Volvo S8 is going to vary a lot in cost compared to a 12-year-old Chevy.

However, the most common pricing for an entirely separate commercial car insurance policy ranges from $700 to $2,500 per year on average. Insurance coverage options and policy limits will vary.

Rideshare cover, however, will come much cheaper. Some of these policy add-ons can cost as little as six dollars per month.

The average cost is generally less than $30 per month.

Who offers commercial car insurance?

Luckily most large auto insurance companies will offer some type of commercial coverage, beyond insurance for personal vehicles. This can make bundling policies easier if you are required to get a separate policy of insurance for delivery drivers.

However, while many companies will offer the coverage, the most affordable Pizza Hut car insurance is necessarily available everywhere.

Rideshare coverage may be the most cost-effective option but it is not available in every city or state. This can make covering your car a little more expensive.

To make sure you are getting the best deal, it’s important to comparison shop car insurance regularly.

Now that you know more about Pizza Hut car insurance, you are ready to start looking for the best car insurance quotes in your area. Enter your ZIP code below and we will pull up car insurance rates near you. Be informed before you buy car insurance.

Are you looking for free insurance quotes?

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

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