Papa John’s Auto Insurance (Rates & Requirements)

Need Papa John’s auto insurance? Pizza chains do not offer commercial car insurance, so delivery drivers should consider adding additional coverage to their personal auto policy. Read on to learn how.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 17, 2022

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Things to remember...

  • Papa John’s does not offer commercial auto insurance coverage to its delivery drivers when they are working
  • Delivery drivers should consider carrying more than liability insurance for better protection
  • You can shop online to compare quotes and save on your insurance rates 

If you’ve worked for Papa John’s for very long, you know the job comes with potential risks. Late-night deliveries, quick decisions on the road, and last-minute orders are just a few things you have to deal with on the job.

While all drivers in the U.S. have to carry a certain amount of liability insurance, delivery drivers for Papa John’s should compare available auto liability insurance rates and consider carrying additional coverage that would help them if they ever got into an accident.

Does Papa John’s offer car insurance for their drivers?

Some delivery companies offer their employees a certain amount of commercial auto insurance coverage when actively making deliveries. But Papa John’s does not provide its employees with car insurance coverage.

Instead, Papa John’s requires that its employees purchase liability coverage. Papa John’s delivery drivers must also be at least 18 years old and have a valid U.S. driver’s license.

If you drive for Papa John’s or are considering it, you should look into purchasing more than just liability coverage for your vehicle.

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How much Papa John’s car insurance coverage do I need as a delivery driver?

The amount of insurance you need as a Papa John’s delivery driver varies based on where you live. 

Each US state has different car insurance requirements for liability coverage regarding bodily injury and property damage. Therefore, if you live in a state that requires more coverage, you can expect to pay higher rates for your car insurance than if you live in a state that requires less liability insurance.

The table below shows how much liability coverage is required in each state. The coverage is broken down into bodily injury liability per person, bodily injury liability per accident, and property damage coverage.

Car Insurance Liability Requirements by State
StateMinimum Liability Requirements
Alabama25/50/25
Alaska50/100/25
Arizona15/30/10
Arkansas25/50/25
California15/30/5
Colorado25/50/15
Connecticut25/50/20
Deleware25/50/10
District of Columbia25/50/10
Florida10/20/10
Georgia25/50/25
Hawaii20/40/10
Idaho25/50/15
Illinois25/50/20
Indiana25/50/25
Iowa20/40/15
Kansas25/50/25
Kentucky25/50/25
Lousiana15/30/25
Maine50/100/25
Maryland30/60/15
Massachusetts20/40/5
Michigan20/40/10
Minnesota30/60/10
Mississippi25/50/25
Missouri25/50/25
Montana25/50/20
Nebraska25/50/25
Nevada25/50/20
New Hampshire25/50/25
New Jersey15/30/5
New Mexico25/50/10
New York25/50/10
North Carolina30/60/25
North Dakota25/50/25
Ohio25/50/25
Oklahoma25/50/25
Oregon25/50/20
Pennsylvania15/30/5
Rhode Island25/50/25
South Carolina25/50/25
South Dakota25/50/25
Tennessee25/50/15
Texas30/60/25
Utah25/65/15
Vermont25/50/10
Virginia25/50/20
Washington25/50/10
West Virginia25/50/25
Wisconsin25/50/10
Wyoming25/50/20
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If you are unsure whether your current auto insurance coverage meets your state’s liability requirements, look at your insurance policy. And be sure to call your insurance company and speak to a representative if you have any questions.

Do Papa John’s delivery drivers need more coverage?

You do not have to purchase more than liability coverage to drive for Papa John’s. But it would be best if you considered buying additional coverage as you are at a higher risk for an accident due to the nature of your job. 

Additionally, many insurance companies have exclusions in their personal auto insurance policies that state if you are in an accident while using your car for work purposes, your claim can be denied.

As a result, many delivery drivers and others who use their cars for their jobs decide to purchase a commercial auto insurance policy.

What is commercial auto insurance?

Commercial car insurance is a type of policy that protects business vehicles in both accident and non-accident-related incidents.

Commercial car insurance can cost as much as $2,000 annually, but the coverage limits with a commercial policy are helpful to people who drive a lot for work and could end up with a severe financial burden if they were required to pay for damages associated with a car accident.

If you do not drive for Papa John’s full time, you may be able to purchase a business-use add-on with your insurance company. This add-on allows you to drive your car for work a certain number of hours per week. So if you work for Papa John’s part-time, this coverage could help you save money while offering the type of protection you need.

How much are Papa John’s auto insurance rates?

Since Papa John’s doesn’t offer its employees complimentary auto insurance coverage, you will have to find your own insurance. The amount you will pay for insurance depends on several factors, such as:

  • Where you live
  • The types of coverage you want
  • Your age
  • Your gender
  • The make and model of your vehicle
  • How often you use your car for business purposes
  • Your credit score
  • Your driving history

If you have a clean driving record and you don’t live or drive in a risky area, you may be able to find cheap auto insurance rates as a delivery driver. But you’ll never know until you start your search.

The table below shows the average annual rates for each state in terms of liability, collision, comprehensive, and full coverage policies.

Auto Insurance Rates of Coverage Types by State
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage Annual Full Coverage Rates
Alabama$417$323$158$898
Alaska$567$361$140$1,069
Arizona$543$281$189$1,013
Arkansas$412$328$197$937
California$504$402$99$1,004
Colorado$542$289$185$1,017
Connecticut$685$374$132$1,191
Delaware$808$319$122$1,248
District of Columbia$663$471$231$1,364
Florida$885$288$119$1,293
Georgia$597$341$160$1,097
Hawaii$462$315$102$878
Idaho$368$222$118$708
Illinois$460$308$127$895
Indiana$393$252$122$767
Iowa$310$223$188$721
Kansas$365$263$244$873
Kentucky$541$273$141$956
Louisiana$814$421$217$1,451
Maine$353$267$101$721
Maryland$633$357$154$1,145
Massachusetts$612$392$136$1,141
Michigan$816$420$152$1,388
Minnesota$461$234$185$881
Mississippi$471$328$210$1,010
Missouri$436$278$183$897
Montana$400$266$225$891
Nebraska$377$240$229$846
Nevada$716$308$115$1,139
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
Ohio$406$273$121$800
Oklahoma$470$318$227$1,014
Oregon$609$230$93$932
Pennsylvania$509$331$146$986
Rhode Island$790$415$131$1,337
South Carolina$554$269$182$1,005
South Dakota$306$215$264$785
Tennessee$427$314$148$889
Texas$550$380$207$1,137
Utah$510$269$112$891
Vermont$357$303$131$791
Virginia$437$284$139$859
Washington$610$268$108$985
West Virginia$508$332$204$1,045
Wisconsin$381$227$138$747
Wyoming$341$277$253$871

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You will find the cheapest rates in your state if you purchase a liability-only policy. As you add coverages to your policy, your rates will increase accordingly. The best way to find cheap rates in your area is to shop online and compare quotes from multiple companies. 

In addition, you should keep in mind that if you only purchase liability insurance, you are not protecting yourself or your vehicle from harm in the event of an accident.

The Bottom Line: Papa John’s Auto Insurance

If you drive for Papa John’s, you need car insurance. You can purchase a liability-only policy and drive for the company, but you should consider purchasing additional coverage to ensure you and your vehicle are protected.

The best way to find cheap car insurance rates is to shop online and compare quotes from multiple insurance companies. This will help you find the coverage you want at a price that works with your budget.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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