Pizza Hut Auto Insurance: Rates & Requirements (2024)
As with other companies, Pizza Hut delivery driver insurance needs to meet state minimum liability requirements. Read on to find out how to select the best Pizza Hut auto insurance coverage.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Pizza Hut does not offer auto insurance coverage to its drivers
- To drive for Pizza Hut, you have to meet your state’s requirements in terms of liability coverage
- You may want to consider purchasing more than just liability coverage if you’re a Pizza Hut delivery driver
If you are a delivery driver for Pizza Hut, you may be curious about the company’s options regarding car insurance coverage.
Pizza Hut does not offer auto insurance coverage to its employees. Still, driving without insurance carries serious consequences, the company does require that anyone who drives for them carry auto insurance that meets their state’s minimum liability limits.
Though it’s not necessary to carry more than a simple liability policy to drive legally for Pizza Hut, many people who work as delivery drivers choose to purchase additional coverage to make sure they are covered if they ever get into an accident.
What is Pizza Hut auto insurance?
Pizza Hut does not offer insurance coverage to its delivery drivers. While some companies, like Uber or Amazon, offer commercial coverage to employees while they’re on the job, Pizza Hut does not do the same.
But the company website states that any person delivering menu items for Pizza Hut must carry a car insurance policy and have a valid driver’s license.
While Pizza Hut does not specify the necessary auto insurance type, anyone who drives a car must carry the state’s minimum liability coverage amount.
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How much coverage do I need for Pizza Hut delivery driver insurance?
To deliver pizzas for Pizza Hut, you have to carry, at minimum, liability auto insurance coverage. The extent of the coverage and the amount of coverage will depend on where you live.
The table below shows each state’s requirements for liability coverage in terms of bodily injury liability per person, bodily injury liability per accident, and property damage liability.
Minimum Liability Auto Insurance Requirements by State
State Limits
Alabama 25/50/25
Alaska 50/100/25
Arizona 15/30/10
Arkansas 25/50/25
California 15/30/5
Colorado 25/50/15
Connecticut 25/50/20
Deleware 25/50/10
District of Columbia 25/50/10
Florida 10/20/10
Georgia 25/50/25
Hawaii 20/40/10
Idaho 25/50/15
Illinois 25/50/20
Indiana 25/50/25
Iowa 20/40/15
Kansas 25/50/25
Kentucky 25/50/25
Lousiana 15/30/25
Maine 50/100/25
Maryland 30/60/15
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/25
Montana 25/50/20
Nebraska 25/50/25
Nevada 25/50/20
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 25/50/25
Oklahoma 25/50/25
Oregon 25/50/20
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/15
Texas 30/60/25
Utah 25/65/15
Vermont 25/50/10
Virginia 25/50/20
Washington 25/50/10
West Virginia 25/50/25
Wisconsin 25/50/10
Wyoming 25/50/20
As you can see, coverage requirements vary a great deal from one state to another. So depending on where you live, you may get away with carrying very little liability coverage.
But if you drive much for work, especially if you are a delivery driver, you should consider purchasing additional coverage for your vehicle. Liability coverage only protects the cars and people you injure — and only up to a certain dollar amount.
When you use your personal vehicle for your job, it’s a good idea to consider additional coverage through a commercial insurance policy.
Do I need commercial coverage as a Pizza Hut driver?
You may find that you need commercial coverage to deliver food for Pizza Hut. And this will likely depend on your insurance company.
Some insurance companies might not cover your vehicle if you used it for work when you got in an accident. There can be exclusions on your insurance policy stating that your coverage will not extend to this type of scenario.
So even if you purchase a full coverage policy that includes both collision and comprehensive coverage, your claim after an accident could still be denied because you were driving for Pizza Hut when the accident occurred.
You should check your policy to see whether there are any exclusions. If you are not sure whether your policy will cover you, you should call your insurance company and ask.
If you decide you need additional coverage, a commercial auto insurance policy is a great way to get the coverage you need on yourself and your vehicle. You will likely find that rates are significantly higher than what you’re used to, but the coverage also comes with much higher limits, ensuring you will not have to pay for damages or injuries out of pocket.
How much is commercial auto insurance for delivery drivers?
The amount you will pay for a commercial car insurance policy will vary based on several factors, including the following:
- Age
- Gender
- Vehicle make and model
- How often you drive
- How far you drive
- Where you drive
- The nature of your business
The average monthly premium for commercial auto insurance in the U.S. is $145. This equates to nearly $1,750 annually. Consequently, rates for commercial coverage could be over $1,000 more per year than what you currently pay for car insurance. If you think commercial coverage is simply too expensive, you may want to look into business-use auto insurance.
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What is business-use auto insurance?
Some insurance companies offer an add-on for coverage that includes the business use of a vehicle. In this way, business-use car insurance is an additional layer of protection.
While adding business-use coverage to your policy will cost you more money, it will not cost as much as a commercial policy. But this type of coverage will only help if you deliver food for Pizza Hut part-time. On the other hand, if you work close to full-time, your insurance company will probably require you to carry something like a commercial policy.
Which companies offer coverage for Pizza Hut drivers?
If you have a decent driving record, you will find that most insurance companies are willing to cover you. When you disclose that you work for Pizza Hut and deliver food with your personal vehicle, one company may give you advice on coverage that another company will not.
Ultimately, it is up to you to choose a company you trust that offers the coverage you need at a price you can afford. You will need to shop around for quotes if you’re looking for an entirely new policy.
Be sure to compare auto insurance rates from multiple insurance providers in your area. If you are seriously considering a specific company, call and speak to a representative to ensure you will be covered if you’re ever in an accident while driving for work.
Pizza Hut Auto Insurance: The Bottom Line
If you drive for Pizza Hut, you need liability insurance. But most delivery drivers purchase additional coverage to ensure they will be covered.
Commercial auto insurance policies can cost a great deal more than your average liability-only insurance coverage. Still, this type of policy will offer the kind of coverage you may need if you’re ever in an accident while delivering food for Pizza Hut.
When searching for the best auto insurance rates, shop online and compare quotes from top companies in your area. You should be able to find competitive rates for coverage as a delivery driver.
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Frequently Asked Questions
Does Pizza Hut offer auto insurance?
No, Pizza Hut does not offer auto insurance. Pizza Hut is a restaurant chain and does not provide insurance services.
Where can I find auto insurance coverage?
To find auto insurance coverage, you can reach out to various insurance providers, including national and local insurance companies, independent agents, or utilize online platforms that offer insurance comparison services.
What factors affect auto insurance rates?
Several factors can affect auto insurance rates, including your age, driving history, location, type of vehicle, coverage options, and credit score. Insurance companies use these factors, among others, to determine the risk associated with insuring you and calculate your premium.
How can I get a quote for auto insurance?
To get a quote for auto insurance, you can contact insurance companies directly, visit their websites to request a quote online, or use online insurance comparison platforms that provide quotes from multiple insurers. You will typically need to provide information such as your personal details, vehicle information, driving history, and desired coverage options.
What are the minimum auto insurance requirements?
The minimum auto insurance requirements vary by state. In most states, the minimum requirements include liability coverage for bodily injury and property damage. Some states may also require personal injury protection (PIP) or uninsured/underinsured motorist coverage. It’s important to check the specific requirements in your state to ensure compliance.
Are there additional coverage options available besides the minimum requirements?
Yes, there are various additional coverage options available beyond the minimum requirements. These may include collision coverage, comprehensive coverage, medical payments coverage, rental car reimbursement, roadside assistance, and more. These additional coverages can provide added protection and peace of mind, but they will increase your premium.
How can I save money on auto insurance?
There are several ways to potentially save money on auto insurance. Some common strategies include maintaining a clean driving record, bundling multiple policies with the same insurance company, choosing a higher deductible, qualifying for discounts (such as safe driver discounts or discounts for certain safety features in your vehicle), and periodically reviewing your coverage to ensure you’re not paying for unnecessary options.
Can I use my personal auto insurance for pizza delivery?
It depends on your insurance policy. Some personal auto insurance policies exclude coverage for commercial activities such as pizza delivery. If you work as a pizza delivery driver, you should inform your insurance company to ensure you have the appropriate coverage. Alternatively, you may need to obtain a commercial auto insurance policy that specifically covers delivery services.
What should I do in case of an accident?
In case of an accident, first ensure your safety and the safety of others involved. Contact the necessary authorities, such as the police or emergency services, if required. Exchange insurance information with the other party involved and gather evidence, such as photographs or witness statements. Notify your insurance company as soon as possible to report the incident and initiate the claims process.
Can I change my auto insurance provider?
Yes, you can change your auto insurance provider at any time. However, it’s important to consider any contractual obligations, such as the duration of your current policy, potential cancellation fees, and ensuring you have a new policy in place before canceling the old one to maintain continuous coverage. It’s also a good idea to compare quotes from different insurers to ensure you’re getting the best coverage and rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.