Papa John’s Auto Insurance for 2022

You can't buy Papa John's auto insurance from the company, but you are required to use your own vehicle and provide proof of insurance to drive for Papa John's. A personal policy isn't enough; you'll need commercial auto insurance for pizza delivery drivers or a delivery driver add-on. You can save on your Papa John's car insurance by comparing quotes from multiple companies.

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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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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

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 Leslie Kasperowicz

UPDATED: Jun 16, 2022

Advertiser Disclosure

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 insurance industry 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.

What You Should Know

  • Papa John’s auto insurance is not available through the company
  • Papa John’s expects delivery drivers to use their own vehicles and purchase their own insurance coverage (proof of which is required for employment)
  • A personal policy probably won’t provide enough protection while you’re out on delivery; you’ll also need commercial coverage

Understanding auto insurance is critical when you’re a delivery driver for Papa John’s. And you’ve come to the right place.

What auto insurance covers pizza delivery? Do you need special insurance to deliver pizza? How much are average Papa John’s auto insurance rates? Does your auto insurance cover you if you’re in an accident while delivering for Papa John’s?

Before we get started on this Papa John’s auto insurance overview, enter your ZIP code in the free tool above to start comparing rates for auto insurance for pizza delivery drivers from local companies today.

What kind of auto insurance do you need as a Papa John’s delivery driver?

Papa John’s requires drivers to use their own vehicles and provide proof of valid insurance to be a delivery driver. However, a personal car insurance policy that at least meets liability auto insurance requirements in your state won’t protect you while you’re delivering pizza.

Personal policies often exclude protection when your vehicle is being used for business (like delivering pizza) because of the added risk resulting from the additional time you’re spending on the road. To have the protection you need while you’re out on delivery, you’ll need commercial coverage as well.

Why is the right kind of auto insurance important as a Papa John’s pizza delivery driver? Unfortunately, as a delivery driver, you’re much more likely to get in an accident compared to drivers in other occupations, so having the right insurance for your needs provides financial protection when you’re out on delivery.

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Where can you buy Papa John’s delivery driver auto insurance?

While there isn’t a specific Papa John’s auto insurance company, companies like The General do market specifically to Papa John’s delivery drivers.

If you’re looking for typical commercial coverage, you’ll find that most major insurance companies offer it to new and existing insureds. On average, you’ll pay an extra $150 per month for that coverage.

A more affordable Papa John’s car insurance option is the delivery driver add-on. Check with your insurance company to find out if this is available. Companies that currently offer this coverage include:

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

You can also compare pizza delivery auto insurance quotes from multiple companies to save on your rates.

Papa John’s Auto Insurance: The Bottom Line

Papa John’s expects delivery drivers to use their own vehicles. As a result, the company does not sell or insure its delivery drivers. Drivers are required to provide proof of insurance when applying to deliver for Papa John’s.

To be financially protected while you’re delivering for Papa John’s, you’ll need commercial coverage or a delivery driver add-on, in addition to your personal coverage.

If you’re ready to start shopping for auto insurance coverage, enter your ZIP code below to start comparing Papa John’s auto insurance quotes from local companies near you for free.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

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