Best Auto Insurance for Domino’s Pizza Delivery Drivers in 2024
When purchasing a Domino’s Pizza auto insurance policy, you can purchase a separate, full-coverage Domino’s insurance policy, or you can add business-use coverage to your own insurance.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
UPDATED: Jun 11, 2024
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 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.
UPDATED: Jun 11, 2024
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 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.
On This Page
- Domino’s doesn’t offer delivery drivers commercial insurance policies while they’re making deliveries
- A full-coverage policy protects you and your vehicle if you’re in an accident or your car incurs non-accident-related damage
- If you work for Domino’s part-time, you may be able to add business-use coverage to your policy
As a Domino’s delivery driver, you know a lot can happen when you make deliveries. Since your job can be hectic, having an auto insurance policy is essential.
You don’t need to go out and buy the cheapest commercial auto insurance policy just to deliver food. While Domino’s doesn’t offer commercial coverage to its drivers on the clock, the company requires delivery drivers to carry at least their state’s minimum liability levels to drive legally.
If you consider purchasing auto insurance coverage as a pizza delivery driver, you may want to buy more than a liability-only policy. Purchasing a full coverage policy — or adding business-use coverage to your policy — could help you protect yourself and your vehicle if you get into an accident.
What is Domino’s Pizza auto insurance?
There is no such thing as Domino’s insurance for Domino’s employees. While some companies offer their delivery personnel commercial coverage when they’re actively delivering food or other goods, Domino’s doesn’t have this option.
Instead, Domino’s delivery drivers and other employees must purchase their own insurance policies to ensure they can legally drive.
In all states, drivers must carry at least their state’s minimum levels of liability insurance. Similarly, Domino’s employees must have a valid U.S. driver’s license and carry at least liability coverage to drive for the company.
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What kind of car insurance do Domino’s drivers need?
Domino’s doesn’t specify what kind of car insurance drivers need to work for the company on its website. But legally, anyone driving for Domino’s must have at least a liability car insurance policy.
The amount of liability you must have will depend on where you live, and each state requires a different amount of liability coverage.
The table below shows the car insurance coverage requirements for bodily injury liability per person, bodily injury liability per accident, and property damage liability in each state.
State Limits
Alabama 25/50/25
Alaska 50/100/25
Arizona 15/30/10
Arkansas 25/50/25
California 15/30/5
Colorado 25/50/15
Connecticut 25/50/20
Deleware 25/50/10
District of Columbia 25/50/10
Florida 10/20/10
Georgia 25/50/25
Hawaii 20/40/10
Idaho 25/50/15
Illinois 25/50/20
Indiana 25/50/25
Iowa 20/40/15
Kansas 25/50/25
Kentucky 25/50/25
Lousiana 15/30/25
Maine 50/100/25
Maryland 30/60/15
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/25
Montana 25/50/20
Nebraska 25/50/25
Nevada 25/50/20
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 25/50/25
Oklahoma 25/50/25
Oregon 25/50/20
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/15
Texas 30/60/25
Utah 25/65/15
Vermont 25/50/10
Virginia 25/50/20
Washington 25/50/10
West Virginia 25/50/25
Wisconsin 25/50/10
Wyoming 25/50/20
While insurance companies will often ensure that you carry the right amounts of liability coverage, it’s your responsibility as a driver to ensure you have the coverage you need before working for Domino’s or simply driving from one place to another.
How much is Domino’s insurance?
The amount you’ll pay as a Domino’s delivery driver will depend on several different factors, such as:
- Age
- Gender
- Car make and model
- ZIP code
- Coverage types
- Credit score
If you choose a full coverage policy with collision and comprehensive insurance, you’ll pay more than you would for a liability-only policy.
The table below shows the average annual rates for each state in terms of liability, collision, comprehensive coverages, and full coverage policies.
State Liability Coverage Collision Coverage Comprehensive Coverage Full Coverage
Alabama $35 $27 $13 $75
Alaska $47 $30 $12 $89
Arizona $45 $23 $16 $84
Arkansas $34 $27 $16 $78
California $42 $34 $8 $84
Colorado $45 $24 $15 $85
Connecticut $57 $31 $11 $99
Delaware $67 $27 $10 $104
District of Columbia $55 $39 $19 $114
Florida $74 $24 $10 $108
Georgia $50 $28 $13 $91
Hawaii $39 $26 $9 $73
Idaho $31 $19 $10 $59
Illinois $38 $26 $11 $75
Indiana $33 $21 $10 $64
Iowa $26 $19 $16 $60
Kansas $30 $22 $20 $73
Kentucky $45 $23 $12 $80
Louisiana $68 $35 $18 $121
Maine $29 $22 $8 $60
Maryland $53 $30 $13 $95
Massachusetts $51 $33 $11 $95
Michigan $68 $35 $13 $116
Minnesota $38 $20 $15 $73
Mississippi $39 $27 $18 $84
Missouri $36 $23 $15 $75
Montana $33 $22 $19 $74
Nebraska $31 $20 $19 $71
Nevada $60 $26 $10 $95
New Hampshire $34 $25 $9 $68
New Jersey $75 $32 $11 $117
New Mexico $43 $23 $15 $80
New York $69 $33 $14 $115
North Carolina $30 $25 $11 $65
North Dakota $25 $21 $20 $65
Ohio $34 $23 $10 $67
Oklahoma $39 $27 $19 $85
Oregon $51 $19 $8 $78
Pennsylvania $42 $28 $12 $82
Rhode Island $66 $35 $11 $111
South Carolina $46 $22 $15 $84
South Dakota $26 $18 $22 $65
Tennessee $36 $26 $12 $74
Texas $46 $32 $17 $95
Utah $43 $22 $9 $74
Vermont $30 $25 $11 $66
Virginia $36 $24 $12 $72
Washington $51 $22 $9 $82
West Virginia $42 $28 $17 $87
Wisconsin $32 $19 $12 $62
Wyoming $28 $23 $21 $73
As you can see, if you purchase a liability policy, you’ll pay less than if you add collision or comprehensive coverage or buy a full coverage policy including them all. However, a liability policy will only cover damages to other people or their vehicles.
Collision coverage will protect your vehicle if you’re in an accident, even if you’re at fault. Comprehensive coverage protects your car from damage due to theft, vandalism, inclement weather, and other non-accident-related instances.
While collision and comprehensive coverage are extremely helpful in protecting your vehicle, your insurance company may require you purchase additional coverage if you use your personal vehicle for business purposes.
Do Domino’s drivers need commercial coverage?
If you drive for Domino’s, you may be interested in purchasing a commercial car insurance policy. However, whether you need that much coverage will depend on how often you drive for the company.
Anyone who works full-time or close to full-time as a delivery driver should consider purchasing a commercial auto insurance policy. These policies can be pricey, costing up to $2,000 annually, but they offer higher levels of protection for individuals who use their vehicles for business use.
However, if you’re a part-time delivery driver, you may not have to purchase a commercial policy. Instead, your insurance company may add business-use coverage to your personal policy.
Many insurance companies consider a business-use add-on to suffice for drivers who use their cars for work purposes for 20 hours a week or less. Therefore, a business-use add-on may be perfect if you fit this description.
Business-use coverage will increase your car insurance rates. Still, you won’t pay nearly as much as you would for commercial coverage, and you’ll ensure that your claim gets approved if you’re ever in an accident while delivering food for Domino’s.
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Domino’s Pizza Auto Insurance: The Bottom Line
If you drive for Domino’s, you need car insurance. You should consider carrying more than a simple liability policy, as it wouldn’t cover you or your vehicle if you’re at fault in an accident.
You can purchase a full coverage policy for your vehicle, protecting you if you’re in an accident or your car incurs non-accident-related damage. However, you should speak with a representative from your insurance company to ensure you’re covered if you get in an accident while making deliveries for Domino’s.
If a personal auto insurance policy isn’t enough to cover you, you should consider purchasing a commercial policy or adding a business-use add-on to your personal policy. The one that works for you will likely depend on how much time you spend making deliveries.
Frequently Asked Questions
What is Domino’s Pizza Auto Insurance?
Domino’s Pizza Auto Insurance refers to the insurance coverage provided by Domino’s Pizza to its delivery drivers. As part of their employment agreement, Domino’s Pizza offers insurance coverage to protect their drivers while they are on the job.
What does Domino’s Pizza Auto Insurance cover?
The specific coverage provided by Domino’s Pizza Auto Insurance may vary depending on the insurance policy and jurisdiction. Generally, it includes liability coverage to protect the driver in case they cause an accident while making a delivery. It may also provide coverage for damages to the driver’s vehicle in certain situations.
Do all Domino’s Pizza delivery drivers have auto insurance through the company?
Yes, Domino’s Pizza requires all their delivery drivers to have auto insurance coverage. The insurance coverage is typically provided through the company, ensuring that the drivers have appropriate insurance while performing their delivery duties.
Do Domino’s Pizza delivery drivers need their own personal auto insurance?
While Domino’s Pizza provides auto insurance coverage for their delivery drivers, drivers may still need to maintain their own personal auto insurance policy. Personal auto insurance typically covers personal use of the vehicle, and Domino’s Pizza Auto Insurance is specific to the driver’s employment with the company.
Are there any requirements or qualifications for Domino’s Pizza Auto Insurance?
The specific requirements and qualifications for Domino’s Pizza Auto Insurance may vary depending on the jurisdiction and the insurance policy. Generally, drivers need to meet certain criteria such as possessing a valid driver’s license, maintaining a good driving record, and complying with any additional requirements set by the insurance provider.
Can Domino’s Pizza delivery drivers use their own personal auto insurance instead?
No, Domino’s Pizza requires their delivery drivers to have insurance coverage through the company. This ensures that drivers have appropriate coverage specifically tailored to their employment as delivery drivers.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
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.