Best Auto Insurance for Domino’s Pizza Delivery Drivers in 2024

As a Domino’s delivery driver, you know a lot can happen when you make deliveries. Since your job can be hectic, having an auto insurance policy is essential.

You don’t need to go out and buy the cheapest commercial auto insurance policy just to deliver food. While Domino’s doesn’t offer commercial coverage to its drivers on the clock, the company requires delivery drivers to carry at least their state’s minimum liability levels to drive legally. 

If you consider purchasing auto insurance coverage as a pizza delivery driver, you may want to buy more than a liability-only policy. Purchasing a full coverage policy — or adding business-use coverage to your policy — could help you protect yourself and your vehicle if you get into an accident.

What is Domino’s Pizza auto insurance?

There is no such thing as Domino’s insurance for Domino’s employees. While some companies offer their delivery personnel commercial coverage when they’re actively delivering food or other goods, Domino’s doesn’t have this option.

Instead, Domino’s delivery drivers and other employees must purchase their own insurance policies to ensure they can legally drive.

In all states, drivers must carry at least their state’s minimum levels of liability insurance. Similarly, Domino’s employees must have a valid U.S. driver’s license and carry at least liability coverage to drive for the company.

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What kind of car insurance do Domino’s drivers need?

Domino’s doesn’t specify what kind of car insurance drivers need to work for the company on its website. But legally, anyone driving for Domino’s must have at least a liability car insurance policy.

The amount of liability you must have will depend on where you live, and each state requires a different amount of liability coverage.

The table below shows the car insurance coverage requirements for bodily injury liability per person, bodily injury liability per accident, and property damage liability in each state.

Minimum Liability Auto Insurance Requirements by State

While insurance companies will often ensure that you carry the right amounts of liability coverage, it’s your responsibility as a driver to ensure you have the coverage you need before working for Domino’s or simply driving from one place to another.

How much is Domino’s insurance?

The amount you’ll pay as a Domino’s delivery driver will depend on several different factors, such as:

• Age
• Gender
• Car make and model
• ZIP code
• Coverage types
• Credit score

If you choose a full coverage policy with collision and comprehensive insurance, you’ll pay more than you would for a liability-only policy.

The table below shows the average annual rates for each state in terms of liability, collision, comprehensive coverages, and full coverage policies.

Average Auto Insurance Rates of Coverage Types by State

As you can see, if you purchase a liability policy, you’ll pay less than if you add collision or comprehensive coverage or buy a full coverage policy including them all. However, a liability policy will only cover damages to other people or their vehicles.

Collision coverage will protect your vehicle if you’re in an accident, even if you’re at fault. Comprehensive coverage protects your car from damage due to theft, vandalism, inclement weather, and other non-accident-related instances.

While collision and comprehensive coverage are extremely helpful in protecting your vehicle, your insurance company may require you purchase additional coverage if you use your personal vehicle for business purposes.

Do Domino’s drivers need commercial coverage?

If you drive for Domino’s, you may be interested in purchasing a commercial car insurance policy. However, whether you need that much coverage will depend on how often you drive for the company.

Anyone who works full-time or close to full-time as a delivery driver should consider purchasing a commercial auto insurance policy. These policies can be pricey, costing up to $2,000 annually, but they offer higher levels of protection for individuals who use their vehicles for business use.

However, if you’re a part-time delivery driver, you may not have to purchase a commercial policy. Instead, your insurance company may add business-use coverage to your personal policy.

Many insurance companies consider a business-use add-on to suffice for drivers who use their cars for work purposes for 20 hours a week or less. Therefore, a business-use add-on may be perfect if you fit this description.

Business-use coverage will increase your car insurance rates. Still, you won’t pay nearly as much as you would for commercial coverage, and you’ll ensure that your claim gets approved if you’re ever in an accident while delivering food for Domino’s.

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Domino’s Pizza Auto Insurance: The Bottom Line

If you drive for Domino’s, you need car insurance. You should consider carrying more than a simple liability policy, as it wouldn’t cover you or your vehicle if you’re at fault in an accident.

You can purchase a full coverage policy for your vehicle, protecting you if you’re in an accident or your car incurs non-accident-related damage. However, you should speak with a representative from your insurance company to ensure you’re covered if you get in an accident while making deliveries for Domino’s.

If a personal auto insurance policy isn’t enough to cover you, you should consider purchasing a commercial policy or adding a business-use add-on to your personal policy. The one that works for you will likely depend on how much time you spend making deliveries.

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