Cheap Pizza Hut Delivery Car Insurance in 2025

USAA, Geico, and State Farm take the top spots for cheap Pizza Hut delivery car insurance.

USAA has the cheapest auto insurance for Pizza Hut delivery drivers, but only military members qualify for coverage. If that’s not you, you can find cheap car insurance from Geico and State Farm.

Here's What You Need to Know

• Pizza Hut does not provide insurance to its drivers
• You’ll need commercial coverage during work hours, or your claims can be denied
• USAA and Geico have the cheapest pizza delivery driver car insurance quotes

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#1 – USAA: Top Pick Overall

Pros

• Military Discounts: USAA offers significant savings for military members and their families. See all of USAA’s discount options in our USAA car insurance review.
• Accident Forgiveness: USAA’s accident forgiveness offers protection from rate increases after one at-fault accident, which can be helpful when you need food delivery driver insurance.
• High Customer Satisfaction: USAA has superb customer service and claims handling, with the vast majority of customers saying they’d recommend the service.

Cons

• Eligibility Restriction: USAA has strict eligibility requirements to buy car insurance. USAA membership is only available to military members, veterans, and their families.
• Specialty Coverage Lacking: USAA has a variety of good options, but it lacks some specific add-ons that other commercial policies offer. One of the most glaring omissions is gap insurance.

#2 – Geico: Best for Affordable Rates

Pros

• Affordable Premiums: Geico has a reputation for cheap pizza delivery insurance by offering low rates and numerous discounts.
• Digital Tools: Geico offers an excellent mobile app and online services for easy policy management. Learn more about Geico’s online tools in our Geico car insurance review.
• Customizable Coverage: Tailor your coverage or the best pizza delivery driver insurance with options like rideshare insurance and roadside assistance.

Cons

• Limited Agent Interaction: Geico does its business predominantly online, which might be a drawback for those preferring personal interaction.
• Commercial Use Restrictions: Geico may have restrictions on delivery driving that need to be clarified before you start working.

#3 – State Farm: Best for Personalized Service

Pros

• Agent Network: State Farm maintains a large network of agents, making it easy to get personalized service.
• Multi-Policy Discounts: State Farm offers more than just car insurance. You can save on your policies when you buy home and auto from State Farm.
• Usage-Based Insurance: State Farm offers the usage-based insurance (UBI) program, Drive Safe & Save, which offers a maximum discount of 30% for good driving.

Cons

• Higher Base Rates: No matter where you live or what car you drive to deliver pizzas, State Farm usually has higher initial premiums without discounts. See how much you might pay in our State Farm auto insurance review.
• Strict Underwriting: State Farm can be hesitant to approve delivery driver coverage due to the increased risk drivers face on the road.

#4 – Travelers: Best for Full Coverage Service

Pros

• Specialized Coverage: Travelers offers specific policies so you can get the perfect pizza delivery car insurance. Popular options include accident forgiveness and roadside assistance.
• Flexible Payment Plans: It’s easy to get car insurance for pizza delivery drivers that matches your budget needs with Travelers’ various options for premium payments.
• Discounts for Safe Driving: Among Travelers’ 15 available discounts are savings for maintaining a clean driving record.

Cons

• Customer Service Variability: Travelers’ customer service reviews are mixed. See what customers have to say in our Travelers car insurance review.
• Claim Processing Time: Customers often report that claims processing times can be excessively long.

#5 – Progressive: Best for Robust Digital Tools

Pros

• Snapshot Program: Enroll in Progressive’s UBI program Snapshot to save up to 30% for your safe driving habits. See if Snapshot is right for you in our Progressive car insurance review.
• Commercial Auto Policies: If you want to separate your personal and professional coverage, Progressive offers excellent commercial auto insurance for pizza delivery drivers.
• Generous Discounts: Progressive offers 13 discounts to help you get cheap pizza delivery car insurance, including savings for bundling policies and being a loyal customer.

Cons

• Snapshot Increases Rates: Snapshot is one of the few UBI programs that will increase your rates if you don’t drive well enough.
• Higher Rates Post-Accident: Insurance rates always increase after an at-fault accident, but Progressive premiums see significant jumps.

#6 – The Hartford: Best for Older Delivery Drivers

Pros

• AARP Discounts: The Hartford sells insurance exclusively to AARP members and offers significant savings for members as a benefit.
• Comprehensive Coverage: Get the best pizza delivery auto insurance with The Hartford’s broad range of policy options.
• Good Claims Service: The Hartford gets primarily positive reviews for its efficient claims handling. Learn more about the claims resolution process in our review of The Hartford and AARP’s car insurance.

Cons

• AARP Membership Required: Coverage and discounts are mainly for AARP members, though older drivers can add younger people to their policies.
• Limited Availability: Even though you can add younger drivers to your policy, The Hartford’s rates are usually higher than the national average.

#7 – Nationwide: Best for Vanishing Deductible Savings

Pros

• Vanishing Deductible: The Vanishing Deductible reduces your deductible by $100 for every year you spend claims-free, up to $500. Learn more in our Nationwide car insurance review.
• Multi-Policy Discounts: Purchase your home or renters insurance with auto coverage from Nationwide to earn significant savings.
• On Your Side Review: Once a year, a Nationwide agent will review your policy to make sure you’re paying for coverage that still benefits you.

Cons

• Premium Increases: Nationwide customers report that their rates increased more frequently than drivers at other companies.
• Coverage Restrictions: Before you put your Pizza Hut car topper on and hit the road, you may need to verify your business use with Nationwide.

#8 – Farmers: Best List of Auto Insurance Discounts

Pros

• Customizable Policies: Farmers makes it easy to find the best pizza delivery car insurance with its coverage options, like full glass coverage, custom equipment insurance, and roadside assistance.
• Ample Discounts: Farmers has one of the longest lists of insurance discounts on the market. Explore all 23 discounts in our Farmers car insurance review.
• Personalized Service: Farmers maintains a large network of local agents, so you always have access to personalized assistance.

Cons

• Higher Base Premiums: Farmers generally has higher rates before discounts. If you don’t qualify for many discounts, Farmers probably won’t have the best auto insurance for pizza delivery drivers for you.
• Digital Experience: Although it has digital options, Farmers’ online tools and mobile app could be more user-friendly.

#9 – Allstate: Best for UBI Savings

Pros

• Drivewise Program: Allstate has one of the best UBI discounts on the market. Safe drivers can save up to 40% with Drivewise.
• Extensive Network of Local Agents: Allstate maintains an extensive network of agents for personal assistance. Learn more in our Allstate car insurance review.
• Good Hands Coverage: Get yourself into Allstate’s good hands with coverage options like roadside assistance and accident forgiveness.

Cons

• Higher Rates: Allstate is rarely the cheapest car insurance for Pizza Hut delivery drivers, especially compared to some competitors.
• Claim Satisfaction Ratings: Allstate has mixed reviews on claims handling and customer service.

#10 – Liberty Mutual: Best for Diverse Coverage Options

Pros

• Customizable Coverage: Get the best pizza delivery car insurance with Liberty Mutual’s optional add-ons, like original parts replacement coverage or roadside assistance.
• Solid Discounts: Liberty Mutual offers a respectable 17 discount opportunities to help you find low pizza delivery car insurance rates.
• Accident Forgiveness: Delivery drivers spend a lot of time on the road. Signing up for this program prevents rate increases after the first accident.

Cons

• Premium Variability: Liberty Mutual rates can vary significantly based on individual factors, making it difficult to estimate how much you might pay.
• Customer Service: Liberty Mutual gets mixed reviews on its customer service quality. See why in our Liberty Mutual car insurance review.

Pizza Delivery Car Insurance Costs

Finding cheap Pizza Hut auto insurance is usually easy, so long as you don’t have multiple speeding tickets or at-fault accidents. Check below to see how much the top Pizza Hut delivery insurance companies charge for coverage.

Car Insurance Monthly Rates for Pizza Hut Delivery Cars by Coverage Level

Keep in mind that these are just rates, and you’ll need to evaluate multiple car insurance quotes before you settle on a policy.

However, you don’t need to jump on the first low quote you find – most companies offer car insurance discounts to show their appreciation for delivery drivers.

When it’s trick-or-treaters and not the delivery driver. pic.twitter.com/a9Ymq2pl48

— Pizza Hut (@pizzahut) October 31, 2019

Check below to see a selection of car insurance discounts offered by our top companies that might appeal to delivery drivers.

Another easy way to find affordable pizza delivery auto insurance is to compare quotes, as said above. Getting quotes is simple, especially because most companies offer a quote request form on their sites.

However, filling out multiple online quote forms can be time-consuming and monotonous. Using a free quote comparison tool is the quickest and easiest way to check multiple companies at the same time.

Car Insurance Requirements for Pizza Hut Delivery Drivers

While Pizza Hut will require their delivery drivers to maintain personal car insurance, this coverage will not protect you if you get into an accident while on the clock.

Instead, delivery drivers will need to purchase commercial car insurance to act as their pizza delivery insurance.

There are three main types of commercial coverage available:

• Commercial endorsement
• Hybrid policy
• Separate commercial car insurance policy

As long as you have these requirements met, you can add as little or as much insurance as you want. For example, choosing the right car insurance coverage for a new car usually means purchasing additional coverage.

What happens if I get into an accident while delivering for Pizza Hut?

Not purchasing commercial coverage when you work as a delivery driver is tantamount to driving uninsured. If you are found at fault for an accident while on the clock, you will be liable for the cost. You can compare car accident statistics to understand why you should never drive without insurance.

All in all, it is not feasible to drive your car uninsured. Instead, take the time to look at your options. While hybrid policies and rideshare endorsements are not available everywhere, they can be a great and affordable option.

Find Cheap Pizza Hut Delivery Car Insurance Today

If you need to purchase a separate commercial auto insurance policy, make sure you shop around and compare multiple free online car insurance quotes before making your final decision.

Are you ready to start comparing Pizza Hut car insurance rates today? Enter your ZIP code below to compare commercial car insurance policies from local companies for free.