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Domino’s Pizza Auto Insurance: What Coverage Do You Need?

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If you’re becoming a delivery driver for Domino’s Pizza, you must consider your vehicle’s auto insurance policy. While Domino’s drivers typically use their own cars for deliveries, don’t expect your personal plan to cover your working hours. Instead, you’ll need to purchase commercial car coverage that can work as a form of Domino’s Pizza auto insurance.

We have ranked the best auto insurance companies across the nation to find the best choices for commercial coverage. The easiest way to find top rates for pizza delivery insurance is by getting various free quotes from across the insurance industry at once.

You Aren’t Covered by Your Personal Insurance Policy

You won’t be covered while making deliveries unless you buy Domino’s Pizza auto insurance. While you might expect the company to provide complimentary commercial car insurance, that’s rarely the case. As such, you won’t be covered by Domino’s Pizza after an accident occurs.

If you get into an accident while delivering pizzas and make a claim on your personal auto insurance policy, insurers are almost guaranteed to deny it. Your contract likely includes a disclaimer stating that you’re not protected while using your personal vehicle for business.

That’s where Domino’s Pizza auto insurance, Grubhub insurance and other types of commercial auto coverage come into play. These delivery driver insurance plans are available through many insurance agencies are types of insurance that can keep you protected on the road.

Why Do Personal Policies Leave Out Commercial Use?

Standard auto insurance plans won’t cover your car during business purposes because of the added risks involved. Insurers are concerned about protecting their bottom lines and have found that delivery drivers have higher chances of getting involved in accidents. Because of this, Domino’s Pizza auto insurance may end up being more expensive than a personal car insurance policy.

When using your car for business purposes, you’ll spend far more time on roads that you’re not acquainted with. Every extra mile driven, especially when driving down unfamiliar roads, increases your risk of getting involved in an accident. This explains the higher price tag that comes with food delivery car insurance.

What Coverage Do I Need While Delivering for Domino’s?

While delivering pizza for Domino’s, you’re required to have a valid driver’s license and to meet the minimum coverage limits set up by your state’s department of motor vehicles (DMV). Working as a delivery driver for Domino’s Pizza without carrying this level of insurance coverage could lead to fines and harsh legal consequences.

In nearly every state, you’ll at least need to carry bodily injury and property damage liability insurance plans. You may also need personal injury protection (PIP) and uninsured motorist coverage in addition to liability coverage depending on where you live.

Additional Coverage Options for Delivery Drivers

While you only need to meet the state’s minimum car insurance requirements, you may benefit from getting additional coverage. Those with full coverage auto insurance receive collision and comprehensive insurance in addition to their state limits.

These coverages will keep your vehicle safer when you’re using Domino’s Pizza auto insurance. Since your vehicle may end up in risky situations or poor weather conditions while you’re working, these Domino’s delivery insurance plans may be worthwhile choices.

Your Options for Domino’s Pizza Car Insurance 

Since you need to get a specific Domino’s Pizza auto insurance policy, we’ll explain the best ways to add necessary commercial coverage below. The most common options are to either put business use coverage onto your existing policy or to purchase a commercial plan of its own.

Commercial Coverage Vs. Business Use Coverage

Commercial auto insurance policies are almost always pricier than a business use policy. However, they’ll provide you with a higher level of protection than adding business insurance to your existing policy would.

As a rule of thumb, it’s smart to consider a commercial auto insurance policy whether you need Domino’s Pizza auto insurance for a full-time or a part-time job. While it’s a bit costlier, you’ll receive the coverage that’s needed to keep your vehicle safe while you’re working.

On the other hand, it makes more financial sense to purchase business use insurance as an add-on coverage if you rarely make Domino’s deliveries. Whether you’re eligible for this type of policy largely depends on how much or little you actually perform pizza delivery services.

How To Lower Auto Insurance Costs

It’s tricky to find lower rates for Domino’s Pizza auto insurance, but there are a few tips that can help out. One common way is to bundle other insurance policies with your commercial or business use coverage plan. Health insurance and life insurance cover many critical needs and can be more affordable if you combine them with other insurance types.

You may also be able to find discounts for your type of vehicle, for safety features in your car, for following safe driving techniques and for having membership status with companies or groups that your insurer has partnerships with. Many drivers use savings opportunities as the best way to discover cheap auto insurance that meets their needs.

What About the Domino’s Carryout Insurance Program?

It’s easy to understand why some delivery drivers believe they’re covered by the Domino’s Carryout Insurance Program, but they’re not. In reality, Domino’s Carryout Insurance has very little to do with the company’s delivery drivers at all.

Domino’s Carryout Insurance refers to the company’s willingness to remake pizzas that customers drop or otherwise destroy on the drive home. In other words, this program isn’t really insurance-related whatsoever. Because of this, you’ll need your own insurance policy if you’re a delivery driver who delivers pizzas for Domino’s.

Our Recommendations for Auto Insurance

Whether you are looking to supplement your existing auto insurance coverage or to entirely change policies, we suggest asking for car insurance quotes from GEICO, Progressive and State Farm. The easiest way to find affordable rates for commercial car insurance is by getting multiple auto insurance quotes and then comparing your options.

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GEICO: Most Discount Options

Drivers often turn to GEICO for its affordable rates and relatively strong customer experience. The company is known for its impressive coverage add-ons which include rental car reimbursement, roadside assistance and mechanical breakdown insurance.

Progressive: Best for Accident-Prone Drivers

Progressive is best known for its willingness to cover high-risk drivers such as those with DUIs, speeding tickets and at-fault accidents. The company is also recognized for the Name Your Price Tool, which easily allows drivers to find the Progressive insurance plan that best fits their needs and budget. Read our Progressive insurance review to learn more about the provider.

State Farm: Best Customer Experience

Students often find excellent rates from State Farm, which has a wide range of car insurance discounts tailored specifically for young and teen drivers. The provider receives high marks from many motorists for the accessibility of its insurance agents, who are found in communities all across the U.S.

Frequently Asked Questions (FAQs)

Do you need special insurance to deliver food?

Yes, you do need a special commercial auto insurance policy to deliver food. Some employers provide this coverage for you, but that’s rarely the case. Under most circumstances, you’ll personally need to purchase a commercial policy for Domino’s Pizza auto insurance or Uber Eats insurance.

Can I do deliveries with my car?

While you can deliver food orders with your car, you’ll need to take some precautions first. Check that you’ll make enough money to cover the cost of gas and wear and tear on your car. You also need to ensure that you have commercial auto insurance, as your personal policy won’t cover accidents that occur while driving for business purposes.

Does Domino’s pay for your gas?

No, Domino’s Pizza usually doesn’t reimburse its delivery drivers for gas used while delivering. Some franchises do cover a certain portion of fuel costs but this is not done at the corporate level. Rideshare companies also require their drivers to pay for gas themselves.

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