Papa John’s Car Insurance: Discounts, Rates, & Requirements (2021)

Delivery drivers need Papa John's car insurance before they clock in for deliveries. Commercial car insurance is required for delivery drivers to maintain coverage while they are using their cars for work; however, Papa John’s does not provide on-demand delivery insurance for their drivers. Instead, you will need to purchase a commercial policy or endorsement from a car insurance provider.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 8, 2021

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Here's What You Need to Know

  • Papa John’s does not provide commercial car insurance for its delivery drivers
  • Delivery drivers need to purchase Papa John’s car insurance separately from a provider
  • The most affordable commercial insurance options are endorsements and hybrid commercial and personal policies

If you are ready to start your career as a delivery driver for Papa John’s, you need to take the time to read about Papa John’s car insurance.

Read on to learn more about what types of coverage are offered to delivery drivers from the best car insurance companies on the market and how to find the most affordable policy for your car.

Do you want to begin comparing Papa John’s car insurance quotes right away? Enter your ZIP code above, and we will help you get started.

What kind of food delivery car insurance do I need to deliver for Papa John’s?

While Papa John’s does offer online orders on their website, they also fulfill most of their orders via on-demand delivery companies like DoorDash and GrubHub.

Unfortunately, no matter which of these services you are delivering for, none offer car insurance for delivery drivers.

Instead, you will need to buy Papa John’s car insurance yourself. Luckily, you can buy commercial car insurance coverage from almost any car insurance provider.

The three most popular types of commercial car insurance are:

  • Commercial endorsements for personal car insurance
  • Hybrid commercial-personal policies
  • Separate commercial car insurance policies

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What happens if you get into an accident without on-demand delivery insurance?

Let’s say you get into an accident and are found at fault while on delivery; in this incidence if you don’t have commercial car insurance, you are on the hook for all your car repair bills and your medical bills.

According to the CDC, the average cost of medical bills after a car crash is $3,300. That’s on top of whatever it costs to repair your car. For many people, these costs are far above what they can afford.

This is what makes it so essential that you carry commercial coverage if you plan to drive delivery.

How can I get the best Papa John’s car insurance rates?

There isn’t a specific Papa John’s car insurance company. However, Papa John’s partners with The General car insurance to offer special deals for their delivery drivers.

However, if the discounts offered through this partnership are not to your liking, your most affordable option is to look into getting an endorsement for your existing personal car insurance policy.

Endorsements are usually very cheap and don’t force you to purchase an entirely new policy, saving you money and time.

These endorsements are not available from all providers, however, so your next best choice is to look into Hybrid policies, like the Rideshare policy from GEICO.

This policy replaces your existing coverage and gives you joint commercial and personal protection under one policy.

However you choose to keep your car covered, we are here to help you find the most affordable Papa John’s car insurance out there. Enter your ZIP code below, and we will help you find the right provider at the right price!

Free Car Insurance Comparison

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

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