Pizza Hut Auto Insurance (Rates & Requirements)

As with other companies, Pizza Hut delivery driver insurance needs to meet state minimum liability requirements. Read on to find out how to select the best Pizza Hut auto insurance coverage.

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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 14, 2022

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Things to remember...

  • Pizza Hut does not offer auto insurance coverage to its drivers
  • To drive for Pizza Hut, you have to meet your state’s requirements in terms of liability coverage
  • You may want to consider purchasing more than just liability coverage if you’re a Pizza Hut delivery driver

If you are a delivery driver for Pizza Hut, you may be curious about the company’s options regarding car insurance coverage.

Pizza Hut does not offer auto insurance coverage to its employees. Still, driving without insurance carries serious consequences, the company does require that anyone who drives for them carry auto insurance that meets their state’s minimum liability limits.

Though it’s not necessary to carry more than a simple liability policy to drive legally for Pizza Hut, many people who work as delivery drivers choose to purchase additional coverage to make sure they are covered if they ever get into an accident.

What is Pizza Hut auto insurance?

Pizza Hut does not offer insurance coverage to its delivery drivers. While some companies, like Uber or Amazon, offer commercial coverage to employees while they’re on the job, Pizza Hut does not do the same.

But the company website states that any person delivering menu items for Pizza Hut must carry a car insurance policy and have a valid driver’s license.

While Pizza Hut does not specify the necessary auto insurance type, anyone who drives a car must carry the state’s minimum liability coverage amount.

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How much coverage do I need for Pizza Hut delivery driver insurance?

To deliver pizzas for Pizza Hut, you have to carry, at minimum, liability auto insurance coverage. The extent of the coverage and the amount of coverage will depend on where you live.

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

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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As you can see, coverage requirements vary a great deal from one state to another. So depending on where you live, you may get away with carrying very little liability coverage.

But if you drive much for work, especially if you are a delivery driver, you should consider purchasing additional coverage for your vehicle. Liability coverage only protects the cars and people you injure — and only up to a certain dollar amount.

When you use your personal vehicle for your job, it’s a good idea to consider additional coverage through a commercial insurance policy.

Do I need commercial coverage as a Pizza Hut driver?

You may find that you need commercial coverage to deliver food for Pizza Hut. And this will likely depend on your insurance company.

Some insurance companies might not cover your vehicle if you used it for work when you got in an accident. There can be exclusions on your insurance policy stating that your coverage will not extend to this type of scenario.

So even if you purchase a full coverage policy that includes both collision and comprehensive coverage, your claim after an accident could still be denied because you were driving for Pizza Hut when the accident occurred.

You should check your policy to see whether there are any exclusions. If you are not sure whether your policy will cover you, you should call your insurance company and ask.

If you decide you need additional coverage, a commercial auto insurance policy is a great way to get the coverage you need on yourself and your vehicle. You will likely find that rates are significantly higher than what you’re used to, but the coverage also comes with much higher limits, ensuring you will not have to pay for damages or injuries out of pocket.

How much is commercial auto insurance for delivery drivers?

The amount you will pay for a commercial car insurance policy will vary based on several factors, including the following:

  • Age
  • Gender
  • Vehicle make and model
  • How often you drive
  • How far you drive
  • Where you drive
  • The nature of your business

The average monthly premium for commercial auto insurance in the U.S. is $145. This equates to nearly $1,750 annually. Consequently, rates for commercial coverage could be over $1,000 more per year than what you currently pay for car insurance. If you think commercial coverage is simply too expensive, you may want to look into business-use auto insurance. 

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What is business-use auto insurance?

Some insurance companies offer an add-on for coverage that includes the business use of a vehicle. In this way, business-use car insurance is an additional layer of protection. 

While adding business-use coverage to your policy will cost you more money, it will not cost as much as a commercial policy. But this type of coverage will only help if you deliver food for Pizza Hut part-time. On the other hand, if you work close to full-time, your insurance company will probably require you to carry something like a commercial policy. 

Which companies offer coverage for Pizza Hut drivers?

If you have a decent driving record, you will find that most insurance companies are willing to cover you. When you disclose that you work for Pizza Hut and deliver food with your personal vehicle, one company may give you advice on coverage that another company will not.

Ultimately, it is up to you to choose a company you trust that offers the coverage you need at a price you can afford. You will need to shop around for quotes if you’re looking for an entirely new policy. 

Be sure to compare auto insurance rates from multiple insurance providers in your area. If you are seriously considering a specific company, call and speak to a representative to ensure you will be covered if you’re ever in an accident while driving for work.

Pizza Hut Auto Insurance: The Bottom Line

If you drive for Pizza Hut, you need liability insurance. But most delivery drivers purchase additional coverage to ensure they will be covered.

Commercial auto insurance policies can cost a great deal more than your average liability-only insurance coverage. Still, this type of policy will offer the kind of coverage you may need if you’re ever in an accident while delivering food for Pizza Hut.

When searching for the best auto insurance rates, shop online and compare quotes from top companies in your area. You should be able to find competitive rates for coverage as a delivery driver.

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