Hungry Howie’s Pizza Auto Insurance (Rates & Requirements)

To drive for Hungry Howie's Pizza, you will need to meet the minimum auto insurance requirements for your state. Your personal policy won't cover you for accidents that happen while you're delivering, so you should look into commercial coverage or a business use add-on.

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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
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 21, 2022

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Things to Remember

  • Hungry Howie’s does not offer commercial auto insurance coverage to its delivery drivers when they are on the job
  • If you deliver food for Hungry Howie’s more than 20 hours a week, you may want to purchase a commercial car insurance policy
  • Many insurance companies will not cover an accident if you only have a personal policy and were driving for business purposes

If you work as a delivery driver for any of the Hungry Howie’s on main streets across the U.S., you are responsible for carrying your own auto insurance coverage. The company does not offer drivers or other employees car insurance coverage while at work.

While a personal auto insurance policy will suffice regarding legal requirements as a delivery driver, you should consider purchasing additional coverage to ensure you are covered if you’re ever in a car accident while making a delivery. 

Does Hungry Howie’s offer auto insurance coverage?

Hungry Howie’s does not provide commercial coverage to its delivery drivers when they are on the clock. Instead, all delivery drivers must purchase their own auto insurance coverage.

But you don’t have to carry much auto insurance to work for Hungry Howie’s. In fact, the only requirements you have to meet to be a Hungry Howie’s delivery driver include the following:

While it’s a good idea to carry more than your state’s minimum liability requirements, you do not have to do so to get a job as a delivery driver.

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How much insurance do I need as a delivery driver?

The amount of liability coverage you need as a delivery driver depends on where you live. Different states have different liability requirements, so you will need to familiarize yourself with the limits in your state and ensure any insurance policy you purchase meets or exceeds those limits.

The table below shows each state’s car insurance coverage requirements for bodily injury liability per person, bodily injury liability per accident, and property damage liability.

Car Insurance Liability Requirements by State
StateMinimum Liability Requirements
District of Columbia25/50/10
New Hampshire25/50/25
New Jersey15/30/5
New Mexico25/50/10
New York25/50/10
North Carolina30/60/25
North Dakota25/50/25
Rhode Island25/50/25
South Carolina25/50/25
South Dakota25/50/25
West Virginia25/50/25
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Insurance companies will remind you of your legal requirements based on where you live and will not let you purchase coverage that falls short of meeting those requirements. But it is still your responsibility to ensure you carry the proper coverage before getting behind the wheel.

If you have auto insurance now but aren’t sure what your coverage limits are, you should review your policy.

How much is liability coverage for delivery drivers?

A personal insurance policy that only includes liability coverage is the cheapest policy you can purchase. But rates for liability coverage are still likely to vary based on many factors, including the following:

  • Age
  • Gender
  • Make and model of the vehicle
  • ZIP code
  • Marital status
  • Occupation
  • Driving record
  • Credit score
  • Type of coverage

You can expect reasonable insurance rates if you do not pose much risk to an insurance provider. But if a company senses that your driving habits or lifestyle could increase your likelihood of being in an accident, your insurance costs will likely be higher than average.

The table below shows average yearly car insurance rates for liability coverage, comprehensive coverage, and collision coverage, as well as the cost of a full coverage policy that combines the three coverage types into one policy.

Auto Insurance Rates of Coverage Types by State
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage Annual Full Coverage Rates
District of Columbia$663$471$231$1,364
New Hampshire$406$300$109$816
New Jersey$896$383$127$1,405
New Mexico$510$279$175$964
New York$823$393$169$1,384
North Carolina$359$295$127$781
North Dakota$296$249$237$782
Rhode Island$790$415$131$1,337
South Carolina$554$269$182$1,005
South Dakota$306$215$264$785
West Virginia$508$332$204$1,045
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You can see by the rates that a liability-only policy offers cheaper rates. But a full coverage policy provides more in terms of protection.

Do delivery drivers need full coverage?

Full coverage policies are perfect for a personal policy. Still, it’s up to your insurance company whether a full coverage policy will benefit you as a delivery driver.

Many insurance companies do not allow someone’s personal insurance policy to cross over into business use. So if you are driving your personal vehicle for work purposes — like when you’re delivering a Hungry Howie’s pizza — and you get in an accident, your insurance might not cover the damages.

If your personal insurance policy does not extend to business use, you may have to purchase a commercial insurance policy. You could also see if your insurance provider offers add-ons for work coverage.

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What is commercial auto insurance?

Commercial car insurance is a type of insurance policy designed to cover vehicles used by or for a business. The primary purpose of a commercial car insurance policy is to protect the driver against liability for any damages that occur during an accident.

Most businesses purchase commercial car insurance policies to cover a fleet of vehicles. An example of this practice is Amazon Prime vehicles driven by delivery personnel.

But people can purchase commercial car insurance on personal vehicles if they use those vehicles for business purposes.

While a commercial insurance policy is a great way to protect yourself in an accident, commercial car insurance is not cheap. A commercial car insurance policy can cost anywhere from $1,500 to $10,000 annually, depending on your vehicle type and the nature of your business.

Because the cost of commercial auto insurance can be so high, many people look into other options through their current providers.

What are business use add-ons?

Some insurance companies allow individuals to purchase add-ons for their personal policies, so they are covered even when driving their car for work purposes. However, many companies have restrictions for this type of coverage, such as the maximum number of hours you can use your vehicle for business in a week and still be covered.

But a business use add-on might be a great coverage option if you are a part-time delivery driver and don’t want to spend too much money on car insurance. If you’re interested in this type of coverage, you can call your insurance company and speak to a representative to see if you qualify.

Hungry Howie’s Car Insurance: The Bottom Line

If you drive for Hungry Howie’s, you must carry liability coverage. It’s a good idea to purchase additional coverage to ensure you’re covered in a car accident.

Anyone using their car for work may need more than a personal auto insurance policy. You can speak to a representative with your current insurance provider to see your options and determine how much it would cost to add different coverages to your policy or purchase a commercial policy for your personal vehicle.

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