Marco’s Pizza Auto Insurance

How does Marco’s Pizza auto insurance work? While Marco’s doesn’t provide its own car insurance, a variety of insurance companies provide the right car insurance coverage for food delivery drivers.

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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 14, 2022

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Things to Remember

Things to Remember:

  • Marco’s doesn’t offer its delivery drivers commercial auto insurance coverage when they’re on the job
  • Anyone driving for Marco’s must have at least a liability insurance policy
  • Commercial auto insurance may be necessary for anyone delivering food or other goods full-time

Marco’s Pizza is a top-rated franchise. From a Marco’s Pizza in Washington state to one in South Carolina, it seems like there’s a Marco’s around every corner. There’s even a Marco’s Pizza commercial running nationwide.

Marco’s could be a company you’re interested in working for, with it being such a popular establishment. One of the jobs you could do is deliver pizza and other food. However, anyone considering working for Marco’s must ensure they have the best food delivery auto insurance when they drive for work.

Does Marco’s offer car insurance?

Marco’s Pizza doesn’t offer employees commercial auto insurance when they’re on the job. While some delivery companies provide their employees with insurance coverage, Marco’s requires its drivers to find proper coverage on their own.

If you want to work for Marco’s, you must have a liability policy that meets your state’s requirements in terms of coverage limits. You’re also welcome to have additional coverage to protect you and your vehicle after an accident.

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How much liability coverage do I need to work for Marco’s?

All you must have as a Marco’s delivery driver is liability coverage. The amount you must have depends on where you live.

Each U.S. state has its own car insurance requirements regarding how much liability coverage you need to carry. In addition, each state has specific requirements for both bodily injury and property damage coverage.

The table below outlines the different coverage amounts required in each state.

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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If you live in a state requiring lower coverage limits, your insurance rates may be relatively low compared to rates in states that require higher levels of liability coverage.

How much is Marco’s pizza auto insurance for delivery drivers?

The amount you’ll pay for car insurance as a Marco’s delivery driver depends on several different factors, including:

  • Age
  • Gender
  • Where you live
  • The car you drive
  • How often you drive
  • Whether you use your car for business purposes
  • Credit score
  • Driving history
  • Marital status

If someone drives their car for personal use and has a good driving record, their rates for auto insurance could be fairly low. However, your auto insurance rates may be higher if you plan to use your personal vehicle as a delivery driver.

The table below shows the average auto insurance rates for food delivery drivers.

Average Auto Insurance Rates for Food Delivery Drivers
Type of Food DeliveryAverage Monthly RatesAverage Six-Month RatesAverage Annual Rates
Personal Insurance (No Delivery)$105.83$635$1,270
(Business Only)
Food Delivery
(Business Only)
Pizza Delivery
(Business Only)
Food Delivery (Business/Personal)$296.83$1,781$3,562
Pizza Delivery (Business/Personal)$296.83$1,781$3,562
Food Truck
(Business Only)
Food Truck (Business/Personal)$763.25$4,579.50$9,159
Personal Insurance (Delivery)Won't CoverWon't CoverWon't Cover
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A pizza delivery driver’s insurance rates are significantly higher than the average auto policy because most people in the food delivery industry choose to carry higher coverage levels.

Do Pizza delivery drivers need commercial car insurance?

If you’re considering commercial insurance as a Marco’s delivery driver, ensure you get adequate coverage for your job.

People who deliver part-time, or just a few hours a week, may not need the coverage types and amounts accompanying a commercial insurance policy.

Commercial auto insurance provides significantly high levels of:

  • Bodily injury liability (per person and per accident)
  • Property damage liability
  • Personal injury protection
  • Medical payments
  • Legal expenses if you’re at fault in an accident

While commercial coverage may sound like an excellent idea, the high coverage limits come with higher monthly or annual rates.

If you drive for Marco’s full-time, you should consider a commercial insurance policy on your vehicle. However, if you only work for the restaurant a few days a week and drive your car to make deliveries for fewer than 20 hours per week, you may qualify for hired and non-owned coverage.

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What is hired and non-owned auto insurance?

Hired and non-owned car insurance is an add-on for your auto insurance policy that covers you if you get in an accident or your car gets damaged while driving for Marco’s.

Though your standard auto policy could deny your claim while working, hired and non-owned coverage allows you to have the proper liability coverage and personal protection when working.

Most companies have exceptions for this coverage type, so if you work full-time or drive a company-owned vehicle, hired and non-owned car insurance may not be an option.

The primary benefit of this policy type is that you can get higher coverage levels and ensure you’ll be covered if your claim is work-related. Additionally, you can avoid paying premiums as high as those associated with a commercial policy.

Can Marco’s delivery drivers get cheap auto insurance?

The more coverage you carry on your vehicle, the higher your insurance rates will be. However, there’s still a chance you can find relatively cheap coverage as a Marco’s delivery driver.

Shopping online and comparing quotes from multiple insurance companies is the best way to find affordable rates for car insurance. Comparing quotes will help you see which companies are willing to offer you the coverage you need at a price that works with your budget.

Once you find a few companies you’re interested in, you can call and speak to a representative about the cost of coverage. Ensure the coverage you’re looking into will help when driving for work, and ask questions if you’re unsure about anything.

Marco’s Car Insurance: The Bottom Line

Delivering pizzas for Marco’s requires you have a personal auto insurance policy. While you only have to carry liability coverage to work for the company, it’s good to purchase additional coverage to be protected if you get in an accident.

Commercial auto insurance or a hired and non-owned policy may work for you, depending on how often you deliver for Marco’s. Comparing quotes online will help ensure you don’t pay too much for coverage.

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