Pizza Hut Car Insurance: Discounts, Rates, & Requirements (2022)

As a Pizza Hut delivery driver, you need to purchase commercial insurance to maintain Pizza Hut car insurance coverage while at work. Commercial pizza delivery insurance is offered as a separate policy, a hybrid policy, or as an endorsement on personal policies. Commercial endorsements are the most affordable option for delivery drivers.

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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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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • Pizza Hut does not provide car insurance for its delivery drivers
  • Delivery drivers have to purchase commercial car insurance to keep their car covered during work hours
  • The most affordable option for delivery drivers is to add a commercial endorsement to their personal policy

If you are a new delivery driver, you need to know about Pizza Hut car insurance. Many delivery drivers go underinsured because they don’t know about the cheap car insurance options available for delivery drivers.

Keep reading to learn more about how to keep your car covered while you’re on the clock.

Do you want to start looking for a Pizza Hut car insurance company? Enter your ZIP code above to jumpstart your search with free quotes from local companies.

What kind of Pizza Hut delivery insurance do I need?

While Pizza Hut will require their delivery drivers to maintain personal car insurance, this coverage will not protect you if you get into an accident while on the clock.

Instead, delivery drivers will need to purchase commercial car insurance to act as their pizza delivery insurance.

There are three main types of commercial coverage available:

  • Commercial endorsement
  • Hybrid policy
  • Separate commercial car insurance policy

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What is the most affordable Pizza Hut car insurance option for delivery drivers?

The most affordable way to buy Pizza Hut car insurance coverage is to get an endorsement for your existing personal policy. An endorsement essentially adds commercial coverage for damages to your car when you are using it for work.

These endorsements can cost less than $10 a month, depending on your insurance provider. However, not all insurance companies will offer them.

If you cannot get a Pizza Hut insurance endorsement for your personal car insurance policy, the next best option is to look into hybrid car insurance policies.

These policies offer both personal and commercial coverage at the same time. The GEICO rideshare policy is a good example of this. Read our GEICO car insurance review to learn more.

Hybrid policies can cost more than your average car insurance, but it is still cheaper than searching for Pizza Hut car insurance quotes for separate commercial policies. This is because purchasing a separate commercial policy requires you to pay premiums for both that and your personal auto insurance policy.

For the best auto insurance rates and coverage options, you should strive to maintain a clean driving record. This will give you the ability to obtain affordable auto insurance rates.

What happens if I get into an accident while delivering for Pizza Hut?

Not purchasing commercial coverage when you work as a delivery driver is tantamount to driving uninsured. If you are found at fault for an accident while on the clock, you will be liable for the cost.

According to the CDC, the average cost of injuries alone in an accident is over $3,000. However, keep in mind that you will also be liable to pay for your car repairs.

If your vehicle is totaled, this can result in lost wages, and if you suffer from severe injuries, medical bills can quickly exceed the $3,000 average.

All in all, it is not feasible to drive your car uninsured. Instead, take the time to look at your options. While hybrid policies and rideshare endorsements are not available everywhere, they can be a great and affordable option.

If you need to purchase a separate commercial auto insurance policy, make sure you shop around and compare car insurance companies before making your final decision.

Are you ready to start comparing Pizza Hut car insurance rates today? Enter your ZIP code below to compare commercial car insurance policies from local companies for free.

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

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