Pizza Hut Auto Insurance for 2022

Pizza Hut auto insurance isn't available for delivery drivers through Pizza Hut. Instead, you'll have to buy auto insurance for pizza delivery drivers yourself. You'll need personal coverage to drive legally, but most personal policies have a delivery-for-fee exclusion, so for auto insurance that covers pizza delivery, you'll need commercial coverage. Rates can cost an extra $150/mo for commercial coverage, but you can save by comparing Pizza Hut auto insurance rates 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

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What You Should Know

  • Like most food delivery restaurants, Pizza Hut expects its delivery drivers to use their own vehicles
  • You’ll need to buy your own Pizza Hut auto insurance coverage since you’re driving your own vehicle
  • You’ll probably need both personal and commercial coverage

If you’re looking for a side hustle, pizza delivery is an option. You can deliver for companies like Pizza Hut to make some extra cash, but there are a few things to keep in mind, including understanding auto insurance requirements for delivery drivers.

Do you need special insurance to deliver pizza? What auto insurance covers pizza delivery? How much are average Pizza Hut auto insurance quotes? Does Pizza Hut offer auto insurance, and if so, what kind?

Before we get started on this Pizza Hut car insurance overview, enter your ZIP code in our free tool to start comparing delivery driver car insurance rates right now.

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

Pizza Hut does not insure its delivery drivers and doesn’t have any specifically identified car insurance requirements, though you do need to be at least 18 to drive for the company.

You’ll need personal coverage that at least meets the minimum liability auto insurance requirement in your state to drive legally.

Unfortunately, your personal coverage won’t be enough to protect you when you’re out on delivery because your personal policy probably won’t apply when you’re using your vehicle for business purposes. And in some cases, companies actively exclude using your vehicle to make money.

This is typically referred to as a delivery-for-fee exclusion, which usually applies whenever you are paid a fee (or some other form of compensation) for carrying people or items in your vehicle.

In most cases, this delivery-for-fee exclusion includes food delivery, but this can vary by state or by how you’re paid (hourly versus delivery fee), so make sure you understand your local laws and payment structure.

Given the delivery-for-fee exclusion, you’ll need commercial coverage when you’re using your vehicle to deliver for Pizza Hut.

So if you’re wondering if your insurance company will cover you if you’re in an accident while out on delivery, the answer is yes, but only if you have the right coverage.

And this is doubly important because you’re more likely to get in a car accident as a delivery driver than most other drivers on the road, according to Crosley Law.

Now that you know what kind of coverage you need as a delivery driver, where can you buy Pizza Hut auto insurance? Keep reading for more.

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Where can you get Pizza Hut delivery driver auto insurance?

There isn’t a specific Pizza Hut auto insurance company, but you can buy commercial coverage from most major insurers (probably including the one currently holding your policy). So how much does commercial coverage cost?

While we don’t have exact Pizza Hut auto insurance rates, the average cost of commercial coverage is a monthly rate increase of $150.

So how can you get more affordable Pizza Hut auto insurance? One option is to ask about a delivery driver add-on. If your insurance company offers this coverage, all you need to do is work with your insurer to add it to your existing policy.

Not every insurance company offers this coverage, but some of those that do include:

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

You can also compare rates from multiple companies to save on your rates. Get started using the tool on this page to get your first free quote.

Pizza Hut Auto Insurance: The Bottom Line

Pizza Hut doesn’t offer or sell insurance to delivery drivers, so you’ll need to buy your own coverage. A personal policy will ensure you can drive legally, but it won’t be enough to cover you when you’re out on delivery. You’ll need commercial coverage as well to be protected.

Ready to start shopping for auto insurance for pizza delivery drivers? Use your ZIP code in our free tool to start comparing rates for Pizza Hut delivery drivers today.

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