Best Car Insurance for Pizza Hut Delivery Drivers in 2025 (Your Guide to the Top 10 Companies)

Top Pick for Pizza Hut Drivers: Progressive

13,128 reviews

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4.1

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Company Facts

Full Coverage for Pizza Hut Drivers

$190/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Car Insurance Reviews

13,128 reviews

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Best Rates for Pizza Hut Drivers: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage for Pizza Hut Drivers

$175/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Car Insurance Reviews

19,116 reviews

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Best Policies for Pizza Hut Drivers: State Farm

17,760 reviews

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4.1

Company Facts

Full Coverage for Pizza Hut Drivers

$185//mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Car Insurance Reviews

17,760 reviews

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Progressive, Geico, and State Farm offer the best car insurance for Pizza Hut delivery drivers, with rates from $95. Progressive has custom coverage, Geico suits delivery drivers, and State Farm provides personalized policies.

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.

Our Top 10 Company Picks: Best Car Insurance for Pizza Hut Delivery Drivers

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	10%	A+	Custom Coverage	Progressive
	#2	25%	A++	Delivery Drivers	Geico
	#3	17%	B	Personalized Policies	State Farm
	#4	20%	A	Flexible Coverage	Farmers
	#5	25%	A+	Driver Support	Allstate
	#6	25%	A	Broad Coverage	Liberty Mutual
	#7	20%	A+	Work Coverage	Nationwide
	#8	25%	A	Driver Discounts	American Family
	#9	13%	A++	Risk Protection	Travelers
	#10	25%	A+	Regional Savings	Erie

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

Need car insurance for working at Pizza Hut? Enter your ZIP code above to see local car insurance rates available now.

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

#1 – Progressive: Top Overall Pick

Pros

• Pick Your Coverage: Progressive lets Pizza Hut delivery drivers choose a plan that fits their needs, with flexible options for extra protection.
• Fast Claims: If you have an accident, their claims process is quick and hassle-free, so Pizza Hut delivery drivers get paid fast without long wait times.
• Save Money: Progressive has low-cost plans starting at $95, giving Pizza Hut delivery drivers affordable coverage that keeps them safe.

Cons

• Increased Premiums: Rates may increase for high-risk Pizza Hut delivery drivers. Find details in our guide, “Progressive Insurance Review & Complaints.”
• Limited Local Agents: Pizza Hut has fewer local agents than some competitors, which may impact delivery drivers who need in-person support.

#2 – Geico: Best for Delivery Drivers

Pros

• Specialized Delivery Coverage: GEICO offers policies explicitly designed for the best car insurance for Pizza Hut delivery drivers, with flexible options and discounts.
• Low Starting Rates: With minimum coverage starting at $95, Geico provides one of the most affordable options for Pizza Hut delivery drivers.
• Strong Digital Tools: Geico’s mobile app and online tools make managing policies easy for Pizza Hut delivery drivers. For further details, refer to our guide, “Geico Insurance Review & Complaints.”

Cons

• Limited Customization: Geico may not offer as many custom coverage options as some competitors for Pizza Hut delivery drivers.
• Higher Deductibles: Some Geico policies have higher deductibles, which can affect out-of-pocket costs for Pizza Hut delivery drivers.

#3 – State Farm: Best for Personalized Policies

Pros

• Choose Your Coverage: State Farm makes it easy for Pizza Hut delivery drivers to get a plan that fits their needs.
• Good Prices: They offer solid coverage starting at $115, plus ways to save with discounts, bundling, and safe driving rewards.
• Strong Customer Service: State Farm provides reliable support for Pizza Hut delivery drivers seeking guidance. learn more by reading our guide, “State Farm Insurance Review & Complaints.”

Cons

• Limited Multi-Policy Discount: The multi-policy discount for Pizza Hut delivery drivers isn’t as high as it is compared to other providers.
• Premium Costs: Despite discounts, premiums may be higher for some Pizza Hut delivery drivers.

#4 – Farmers: Best for Flexible Coverage

Pros

• Decent Rates: Minimum coverage starts at $120, providing a balance of affordability, protection, and benefits for Pizza Hut delivery drivers.
• Accident Forgiveness: Farmers provides accident forgiveness, which helps loyal, long-term Pizza Hut delivery drivers. It’s all explained in our guide, “Farmers Insurance Review & Complaints.”
• Flexible Policy Options: Farmers offers a range of customizable coverage choices for the best car insurance for Pizza Hut delivery drivers.

Cons

• Costs More: Farmers are a bit pricey at first, but Pizza Hut delivery drivers get solid coverage, extra perks, and discounts to save money.
• Fewer Online Tools: Limited digital features make policy management harder for Pizza Hut delivery drivers, but support is available.

#5 – Allstate: Best for Driver Support

Pros

• Substantial Customer Assistance: Allstate provides excellent customer support and guidance for the best car insurance options for Pizza Hut delivery drivers.
• Safe Driver Discounts: Exclusive discounts for accident-free driving help significantly lower costs for Pizza Hut delivery drivers.
• Reliable Claims Process: Allstate’s streamlined claims process is widely known for its efficiency in quickly helping Pizza Hut delivery drivers.

Cons

• Higher Premiums: Minimum coverage costs $125 monthly, making it much pricier for some Pizza Hut delivery drivers. Learn more in our guide, “Allstate Home Insurance Review & Complaints.”
• Strict Eligibility Requirements: Some insurance discounts and programs have strict qualification rules for Pizza Hut delivery drivers.

#6 – Liberty Mutual: Best for Broad Coverage

Pros

• Comprehensive Policy Options: Liberty Mutual offers broad protection and flexible coverage for the best car insurance for Pizza Hut delivery drivers.
• Accident Forgiveness: Liberty Mutual helps prevent rate increases for Pizza Hut delivery drivers after a first accident. Curious? Check our guide, “Liberty Mutual Insurance Review & Complaints.”
• Lots of Discounts: Pizza Hut delivery drivers can save money in many ways through different discounts and savings programs.

Cons

• Confusing Policy Terms: Some policies have tricky terms that can be hard for Pizza Hut delivery drivers and other food couriers to understand.
• Expensive Minimum Coverage: With rates starting at $130, Liberty Mutual is one of the more expensive options for Pizza Hut delivery drivers.

#7 – Nationwide: Best for Work Coverage

Pros

• Strong Business Coverage: Nationwide specializes in insurance policies that are suited to provide the best car insurance protection for Pizza Hut delivery drivers.
• Vanishing Deductible: Pizza Hut drivers can lower their deductibles over time by following consistent safe driving habits.
• Reasonable Rates for Coverage: Nationwide has affordable insurance, starting at $110, making it a good option for Pizza Hut delivery drivers and physicians.

Cons

• Full Coverage Costs More: Full coverage plans can be more expensive for Pizza Hut delivery drivers. Don’t miss out; read our guide, “Nationwide Insurance Review & Complaints.”
• Limited Availability: Nationwide isn’t available in all areas, limiting insurance options for some Pizza Hut delivery drivers and physicians.

#8 – American Family: Best for Driver Discounts

Pros

• Strong Discounts: The American Family offers big savings on car insurance for Pizza Hut drivers. For more info, take a look at our “American Family Insurance Review & Complaints” guide.
• Low Prices: Plans start at just $100, so American Family is an affordable choice for Pizza Hut delivery drivers.
• Helpful Support: Need help with insurance? American Family’s customer service is there for Pizza Hut delivery drivers with questions or claims.

Cons

• Limited Availability: American Family isn’t available in all states, restricting options for some Pizza Hut delivery drivers seeking coverage.
• Fewer Digital Tools: Online policy management is not as advanced as competitors for Pizza Hut delivery drivers needing quick access.

#9 – Travelers: Best for Risk Protection

Pros

• Substantial Discounts: The American Family offers big savings on car insurance for Pizza Hut drivers. For more information, take a look at our “American Family Insurance Review & Complaints” guide.
• Low Prices: Plans start at just $100, so American Family is affordable for all Pizza Hut delivery drivers nationwide.
• Helpful Support: Need help with insurance? American Family’s customer service is there for Pizza Hut delivery drivers with questions or claims.

Cons

• Coverage Limits: American Family doesn’t offer coverage in all states, so some Pizza Hut delivery drivers have fewer options.
• Fewer Digital Tools: Online policy management is not as advanced as competitors for Pizza Hut delivery drivers needing quick access to insurance details.

#10 – Erie: Best for Regional Savings

Pros

• Regional Savings Benefits: Erie provides the best car insurance rates for Pizza Hut delivery drivers in certain areas with lower regional pricing.
• Lowest Minimum Rates: With coverage starting at $95, Erie is one of the most affordable car insurance options for Pizza Hut delivery drivers.
• Highly Rated Customer Service: Erie receives strong customer satisfaction ratings from many Pizza Hut delivery drivers nationwide.

Cons

• Limited Availability: Erie is only available in select states, restricting options for some Pizza Hut delivery drivers. For more facts explore the relevant guide, “Anonymous Car Insurance Quotes.”
• Fewer National Discounts: National discount programs are not as extensive as larger competitors for Pizza Hut delivery drivers.

Types of Car Insurance from Pizza Hut

That means you could be on the hook for thousands in damages if you crash while delivering pizza. In fact, the CDC says an ER trip after a car accident costs over $3,000. That’s why having pizza shop insurance insurance in Vermont is so important.

Pizza Hut Delivery Drivers Car Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$125	$210
	$100	$180
	$95	$170
	$120	$200
	$105	$175
	$130	$220
	$110	$195
	$111	$190
	$115	$185
	$116	$205

That means if you get into an accident while delivering for Pizza Hut, their insurance won’t cover your injuries or damage to your car. Physicians recommend that food delivery drivers get their own auto insurance policy with the right coverage and discounts to stay protected. Without it, you might have to pay out of pocket for medical bills and car repairs.

Car Insurance Discounts From the Top Providers for Pizza Hut Delivery Drivers

Insurance Company	Available Discounts
	Drivewise, Multi-Policy, New Car, Early Signing, Responsible Payer, Deductible Rewards, EZ Pay Plan, Safe Driving Club, Anti-Lock Brakes
	KnowYourDrive, Multi-Policy, Low Mileage, Good Student, Safe Driver, Early Signing, Defensive Driving, Generational Loyalty, Bundling Auto and Home, AutoPay
	Safe Driver, Multi-Policy, First Accident Forgiveness, Young Driver Discounts, Reduced Usage, Multi-Car, College Student Away from Home, Vehicle Safety Features, Anti-Theft System
	Good Driver, Multi-Policy, Signal Program, Pay-in-Full, Professional Affiliation, Homeowner, Senior Driver, Auto Safety Equipment, ePolicy
	Defensive Driving, Multi-Policy, Good Student, Vehicle Safety, Anti-Theft System, Military, Emergency Deployment, Federal Employee, Seat Belt Use, New Vehicle
	RightTrack, Multi-Policy, Online Purchase, Early Shopper, Hybrid Vehicle, Paperless, Accident-Free, Anti-Theft Device, Homeowner, Good Student
	SmartRide, Multi-Policy, SmartMiles, Accident-Free, Anti-Theft, Good Student, Family Plan, Paperless, Automatic Payments
	Safe Driver, Multi-Policy, Continuous Coverage, Pay-in-Full, Snapshot Program, Teen Driver, Homeowner, Paperless, Online Quote, Automatic Payments
	Drive Safe & Save, Multi-Line, Accident-Free, Defensive Driving, Steer Clear Program (for drivers under 25), Safe Vehicle, Anti-Theft Device, Passive Restraint
	IntelliDrive, Multi-Policy, Safe Driver, Hybrid/Electric Vehicle, Good Student, Homeowner, Continuous Insurance, Multi-Car, New Car

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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Insurance Requirements for Pizza Hut Delivery Drivers

If you use your car for work, you need commercial car insurance to stay protected. The two main ways to get coverage are by adding a commercial policy or an add-on to your current plan. To find the best option, get a pizza Hut quote from your insurance company.

Another type of coverage is Progressive pizza delivery insurance, along with GEICO commercial auto insurance, which offers a rideshare policy that acts as a hybrid, bridging the gap between personal and commercial coverage.

This GEICO food delivery insurance policy acts as commercial insurance while you are working, and when you are off the clock, it switches back to a personal auto policy, helping protect your vehicle and pizza hut driver pay.

This makes it a flexible option for Pizza Hut delivery drivers who need coverage while working but don’t want to pay for full-time commercial insurance. Having the right insurance is important because standard personal auto policies may not cover accidents that happen while delivering food.

Round of a-claws for Jake. pic.twitter.com/uCWUr68SBj

— State Farm (@StateFarm) January 6, 2025

GEICO’s food delivery insurance helps Pizza Hut delivery drivers stay protected without breaking the bank. It ensures they have coverage while making deliveries and automatically switches back to a personal policy when they are off duty. This can give drivers peace of mind, knowing they are covered at all times.

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

Understanding Commercial Insurance Costs

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, on average, the most common pricing for an entirely separate commercial car insurance policy ranges from $700 to $2,500 per year. Insurance coverage options and policy limits will vary. The rideshare cover, however, will be much cheaper. These policy add-ons can cost as little as six dollars per month. The average cost is generally less than $30 per month.

Many insurance companies offer rideshare coverage as an add-on to personal auto insurance. This helps fill the gap between individual and commercial coverage, protecting drivers when waiting for ride requests. Without this coverage, there may be gaps in protection that leave drivers responsible for damages.

Different insurance companies have different rules for rideshare coverage. Some offer it as a simple add-on, while others require drivers to upgrade their entire pizza Hut policy. Drivers need to check with their insurance provider to understand what’s covered and what’s not.

Trusted Names in Commercial Car Insurance

Luckily, most large auto insurance companies 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 for delivery drivers.

However, while many companies will offer coverage, the most affordable Liberty pizza Hut car insurance is not necessarily available everywhere. Physicians can check with different providers to compare rates.

Rideshare coverage may be the most cost-effective option, but it is not available in every city or state, which can make covering your car a little more expensive. Comparing shop car insurance regularly is essential to ensure you get the best deal.

Some insurance companies have plans for rideshare drivers, but others may charge extra. If you don’t have the right coverage, you might have to pay for accidents yourself. Checking different insurance companies can help you find a cheap pizza delivery insurance plan that fits your budget.

If rideshare coverage isn’t available in your area, you might need a commercial auto policy or an add-on to your insurance. These options can be pricier but may be necessary to stay protected. Comparing rates and coverage options from multiple insurance companies can help you find the most affordable choice.

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Case Studies: How the Right Insurance Helped Pizza Hut Delivery Drivers

Having the right car insurance is a big deal for Pizza Hut delivery drivers. These real stories show how the right coverage from Progressive, Geico, and State Farm saved drivers from high costs and headaches.

Case 1: Denied Claim Until Switching to Progressive

Jake was out delivering when he got into an accident. His insurance refused to pay because he was working. He switched to Progressive and got the right coverage. Now, if something happens, he’s covered and won’t have to pay out of pocket.

Case 2: Affordable Coverage with Geico Saved Sarah Money

Sarah wanted discounts and good coverage for deliveries but didn’t want to spend too much. She went with GEICO because it had low rates and covered food delivery. When she got into a small accident, her insurance covered the repairs, so she didn’t have to pay a lot out of pocket.

Case 3: State Farm’s Personalized Policy Prevented a Major Loss

Mark’s car was totaled while making a delivery. Luckily, State Farm’s special policy for delivery drivers paid for a new car. Without it, he would have lost thousands.

Having the right insurance matters. With Progressive, Geico, or State Farm, Pizza Hut drivers can stay protected with the best coverage, discounts, and peace of mind while avoiding expensive surprises. Physicians suggest choosing a policy that includes liability, collision, and comprehensive coverage to handle medical bills, car repairs, and other unexpected costs.

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The Importance of Choosing the Right Insurance for Delivery Drivers

If you deliver for Pizza Hut, you need good coverage to stay protected on the road. Companies like Progressive, GEICO, and State Farm offer the best car insurance for Pizza Hut delivery drivers. Some have low prices, while others let you pick the coverage that fits you best.. Without the right insurance, you could end up paying a lot if something goes wrong.

Good coverage means less stress and more peace of mind. Checking out different options helps you find the best car insurance for Pizza Hut delivery drivers at the right price. With the right policy, you can focus on the job without worrying about surprise costs.

Comparing quotes is integral to finding the best rates possible. Enter your ZIP code into our free tool today to see what quotes might look like for you.

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