Mod Pizza Auto Insurance for 2021

MOD Pizza auto insurance isn’t offered through MOD Pizza, and the company doesn’t employ delivery drivers. Instead, MOD Pizza partners with DoorDash for food delivery. DoorDash delivery drivers aren’t required to have pizza delivery auto insurance but must provide valid proof of insurance and be at least 18. Still, to be protected, it’s a good idea to buy commercial pizza delivery auto insurance coverage as well. You can save on MOD Pizza auto insurance coverage by comparing rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 23, 2021

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What You Should Know

  • MOD Pizza doesn’t offer or sell MOD Pizza auto insurance to delivery drivers
  • MOD Pizza doesn’t employ delivery drivers; instead, the company partners with DoorDash for all food deliveries
  • In addition to the personal coverage necessary to drive legally, you’ll need commercial coverage to be protected while you’re delivering for MOD Pizza

If you’re thinking about delivering for MOD Pizza, you probably have some questions, and an excellent place to start is understanding auto insurance.

What happens if you get in an accident while delivering for MOD Pizza? Do you need pizza delivery auto insurance coverage? What are average MOD Pizza auto insurance rates? Can you buy affordable MOD pizza auto insurance?

Read this MOD Pizza auto insurance overview for all the information you need as a delivery driver for the company. Before we get started, use your ZIP code in the free tool above to start comparing MOD Pizza auto insurance quotes from local companies near you.

What kind of auto insurance do you need as a MOD Pizza delivery driver?

MOD Pizza doesn’t employ delivery drivers and doesn’t provide any insurance coverage. Instead, the company has an exclusive delivery contract with DoorDash.

DoorDash does not insure its drivers.

You may be wondering about hired and non-owned auto insurance for pizza delivery, but this coverage doesn’t protect you. Suppose DoorDash does have this kind of policy. In that case, it just covers the company if a delivery driver is in an at-fault accident and the other driver(s) attempt to obtain additional payouts from DoorDash.

DoorDash requires all drivers to provide proof of valid insurance (that at least meets minimum liability auto insurance requirements) and to be at least 18, but the company does not have any commercial pizza delivery car insurance coverage requirement.

However, a personal policy won’t provide any financial protection if you’re in an accident. When you’re out on delivery, you need a commercial policy as well.

According to Crosley Law, delivery drivers face more serious accident and vehicle fatality rates than most other occupations, so having the right commercial car insurance coverage is essential. Keep reading to find out where you can buy MOD Pizza car insurance and how to save on your delivery driver auto insurance.

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Where can you buy MOD Pizza delivery driver auto insurance?

There isn’t a specific MOD Pizza or DoorDash insurance company, but you’ll be able to buy commercial coverage from most major insurance companies. All you need to do is work with your insurance company to add it to your existing policy.

However, this can get expensive. A commercial policy can cost you an additional $150 per month on average. A cheaper option is the delivery driver add-on. Companies that offer this add-on include:

  • Crump Property & Casualty
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

You can also save by comparing food delivery insurance quotes from multiple companies to ensure you’re getting the right coverage at the best price.

MOD Pizza Auto Insurance: The Bottom Line

Rather than employing delivery drivers, MOD Pizza partners with DoorDash for all food delivery. DoorDash requires drivers to be at least 18 and provide proof of valid insurance. But a personal policy may not be enough protection as a delivery driver.

Coverage options for delivery drivers include a commercial policy and a delivery driver add-on, in addition to the personal coverage necessary to drive legally.

Now that you’ve read our MOD Pizza auto insurance overview, are you ready to start shopping for coverage? Use your ZIP code in our free tool below to start comparing delivery driver auto insurance rates from local companies today.

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