Pizza Hut Car Insurance: What to Know & How to Save (2024)

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.

Read more: GrubHub Car Insurance: What to Know & How to Save

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.

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.

Read more: Domino’s Pizza Car Insurance: What To Know & How To Save

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.

Exploring Case Studies: Insurance Considerations for Pizza Hut Car Delivery Drivers

Case Study 1: Sarah’s Uninsured Dilemma

Sarah, a dedicated Pizza Hut delivery driver, found herself in a challenging situation when she got into an accident while on the job. Unfortunately, Pizza Hut does not provide insurance coverage for their drivers, leaving Sarah uninsured and responsible for the financial consequences of the accident.

This case study explores the real-life scenario faced by Sarah and highlights the importance of obtaining proper insurance coverage as a delivery driver.

Case Study 2: Mark’s Commercial Insurance Solution

Mark, a proactive Pizza Hut delivery driver, took the initiative to protect himself and his vehicle by securing a separate commercial insurance policy. By investing in this type of coverage, Mark ensured that he had adequate protection in case of any accidents or damages that occurred during his delivery shifts.

This case study delves into Mark’s experience, including the process, cost, and benefits of obtaining commercial insurance as a Pizza Hut delivery driver.

Case Study 3: Emily’s Cost-Effective GEICO Rideshare Policy

Emily, a Pizza Hut delivery driver, discovered a cost-effective solution for her insurance needs through the GEICO rideshare policy. This innovative policy provided the best of both worlds, acting as commercial insurance while she was working and seamlessly transitioning to a personal auto policy during her off-duty hours.

This case study examines Emily’s experience with the GEICO rideshare policy and explores how it can be a viable option for Pizza Hut delivery drivers seeking comprehensive coverage at an affordable price.

Case Study 4: Jake’s Smart Comparison Shopping

Jake, an experienced Pizza Hut delivery driver, recognized the importance of regularly comparing car insurance quotes to find the best coverage options at the most competitive rates. By engaging in comparison shopping, Jake was able to discover insurance providers that offered suitable coverage for delivery drivers like himself.

This case study highlights Jake’s journey in finding the most affordable and suitable car insurance by leveraging the benefits of comparison shopping.