Pizza Ranch Car Insurance: What to Know & How to Save (2021)

If you’re a delivery driver for Pizza Ranch, you won’t get Pizza Ranch auto insurance coverage from the company. You must provide proof of insurance to Pizza Ranch as a part of your job application, but a personal policy probably won’t be enough. You’ll also have to get your own food delivery insurance, which could be a commercial auto policy (like a GEICO commercial auto insurance 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

  • As a Pizza Ranch delivery driver, you’ll be expected to use your own vehicle
  • Delivery drivers are required to purchase and provide proof of insurance
  • A personal policy may not provide enough coverage if you’re using your vehicle for work; you may need to consider a commercial policy or delivery driver add-on

Are you a Pizza Ranch delivery driver? If so, it’s essential to know what insurance requirements you’ll need to meet so you’re prepared if you get in an accident.

Can you buy Pizza Ranch auto insurance? Do you need GEICO commercial auto insurance? What, if any, Pizza Ranch auto insurance requirements are outlined by the company? Read this article to find out and start comparing car insurance rates to get the coverage you need.

Looking for affordable Pizza Ranch car insurance? Take a minute to use your ZIP code in the free tool on this page to start comparing Pizza Ranch auto insurance quotes right now.

Does Pizza Ranch offer car insurance?

Pizza Ranch does not offer car insurance to its delivery drivers. Like most companies, Pizza Ranch likely has a commercial liability policy, covering issues onsite (though the website does not explicitly state this). However, since Pizza Ranch drivers typically use their vehicles, their auto insurance policies will probably apply in an accident or other traffic incident.

Crosley Law reports that delivery drivers as an occupation have some of the highest accident and fatality rates, so it’s essential to make sure you have the right coverage when you’re driving for Pizza Ranch.

Read on to find out precisely what food delivery insurance you need to be protected as a Pizza Ranch delivery driver.

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What are Pizza Ranch’s car insurance requirements?

Pizza Ranch delivery drivers are responsible for delivering orders to customers on time, knowing how to use a map or GPS, treating all customers courteously, and behaving with honesty and integrity.

Food delivery car insurance requirements vary depending on the company and where you live. As a Pizza Ranch delivery driver, there are a number of qualifications, skills, and expectations. Our focus is the driving-specific expectations, and as such drivers are required to:

  • Be at least 18
  • Have a valid driver’s license
  • Have an acceptable driving record (this is not specifically defined)
  • Provide proof of insurance

This proof of insurance requirement is likely met by ensuring you have the coverage that meets the minimum liability limits set in your state.

However, personal insurance policies (regardless of coverage level) typically don’t include business use. As a result, you’ll need a commercial auto insurance policy (like a GEICO commercial auto policy or a similar one from another company). This can get expensive, though, as you’ll probably see an increase of about $150 per month in your car insurance rates.

One way to save money is to consider purchasing a delivery driver add-on instead of a full commercial policy. This isn’t available from all companies, but you can buy one from the following insurers:

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

Regardless of what you choose, you should compare quotes from at least three companies to make sure you’re getting the best rates.

Pizza Ranch Car Insurance: The Bottom Line

Like most restaurants, Pizza Ranch does not provide car insurance coverage for its drivers. Instead, you’ll need to use your vehicle and insurance coverage while you’re on the job. You’ll probably need either a commercial policy or a delivery add-on in addition to your personal policy to make sure you have the car insurance coverage you need.

Before you go, use your ZIP code in our free tool to get Pizza Ranch car insurance rates and start comparing today.

Are you looking for free insurance quotes?

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

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