Cheap Auto Insurance for Pizza Hut Delivery Drivers in 2024 (10 Most Affordable Companies)

The top pick for cheap auto insurance for Pizza Hut delivery drivers is Progressive, known for its competitive pricing and excellent coverage options tailored to delivery drivers.

Erie and State Farm also stand out, offering reliable protection with flexible programs suited to the unique needs of delivery professionals. For further details, see our guide titled, “Affordable Comprehensive Auto Insurance Coverage.”

Our Top 10 Company Picks: Cheap Auto Insurance for Pizza Hut Delivery Drivers

This article highlights why these top three providers are the best choices for Pizza Hut drivers seeking affordable, comprehensive insurance.

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#1 – Progressive: Top Overall Pick

Pros

• Competitive Premiums: Progressive offers attractive pricing for Pizza Hut delivery drivers, with rates beginning at $82 per month, making it an economical choice for business coverage.
• Specialized Protection: Progressive delivers customized insurance solutions specifically crafted to address the distinct needs of Pizza Hut delivery drivers, ensuring thorough coverage.
• Excellent A.M. Best Rating: Holding an A+ rating from A.M. Best, Progressive is celebrated for its superior financial health and reliability in servicing Pizza Hut delivery drivers. Read the article called, “Progressive Auto Insurance Review” for additional insights.

Cons

• Variable Premium Costs: Depending on the level of coverage required, premiums might fluctuate, potentially leading to higher expenses for comprehensive policies for Pizza Hut delivery drivers.
• Limited Regional Availability: In some areas, Progressive’s tailored coverage for delivery drivers may not be accessible, impacting options for Pizza Hut delivery drivers.

#2 – Erie: Best for Custom Options

Pros

• Customizable Insurance Plans: Erie shines in offering adaptable insurance options suited to Pizza Hut delivery drivers, allowing adjustments according to individual preferences.
• Affordable Monthly Rates: Starting at $85 per month, Erie strikes a balance between cost-effectiveness and specialized coverage for Pizza Hut delivery drivers.
• Strong A.M. Best Rating: With an A+ rating, Erie demonstrates solid financial stability, ensuring reliable coverage and service for Pizza Hut delivery drivers. Explore insurance savings in our full guide titled, “Erie Auto Insurance Review.”

Cons

• Limited Availability: Erie’s personalized options for Pizza Hut delivery drivers might not be offered in every location, narrowing choices for some drivers.
• Potentially Higher Premiums: Customizable plans could result in elevated overall costs for Pizza Hut delivery drivers, depending on selected coverage features.

#3 – State Farm: Best for Driver Safety

Pros

• Safety-Focused Discounts: State Farm provides safety-oriented discounts that can benefit Pizza Hut delivery drivers with a clean driving record. Learn more about the offerings in our guide titled, “State Farm Auto Insurance Review.”
• Extensive Coverage Options: State Farm presents a variety of coverage options designed with the safety needs of Pizza Hut delivery drivers in mind, ensuring thorough protection.
• Established Reputation: Despite a B rating from A.M. Best, State Farm has a long-standing reputation for dependability, though its rating is lower compared to some rivals.

Cons

• Higher Insurance Costs: Even with safety-related discounts, State Farm’s premiums for Pizza Hut delivery drivers can be on the higher side, starting at $90 per month.
• Discount Constraints: The safety discounts offered may not be as substantial as those from other providers, potentially limiting overall savings for Pizza Hut delivery drivers.

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#4 – Auto-Owners: Best for Affordable Rates

Pros

• Budget-Friendly Rates: Auto-Owners offers economical insurance solutions for Pizza Hut delivery drivers, with premiums beginning at $93, making it a cost-effective choice.
• Exceptional A.M. Best Rating: Holding an A++ rating, Auto-Owners is highly esteemed for its exceptional financial stability and reliability in providing coverage for Pizza Hut delivery drivers.
• Broad Coverage Options: Auto-Owners offers extensive coverage options specifically designed to meet the needs of Pizza Hut delivery drivers. Access detailed insights in our guide titled, “Auto-Owners Auto Insurance Review.”

Cons

• Higher Starting Premium: Although Auto-Owners is cost-effective, the base rate of $93 may be higher than some competitors, affecting overall affordability.
• Limited Customization: Auto-Owners might offer less flexibility in customizing insurance plans compared to other providers, which could impact Pizza Hut delivery drivers needing specific coverage adjustments.

#5 – Allstate: Best for Numerous Discounts

Pros

• Diverse Discount Opportunities: Allstate provides a wide array of discount options for Pizza Hut delivery drivers, including savings for safe driving and bundling policies, which can significantly reduce costs.
• Comprehensive Coverage: Allstate’s insurance plans are tailored to cover the diverse needs of Pizza Hut delivery drivers, ensuring robust protection.
• High A.M. Best Rating: With an A+ rating, Allstate is known for its strong financial standing, offering dependable coverage for Pizza Hut delivery drivers. Dive into our article called, “Allstate Auto Insurance Review.”

Cons

• Higher Monthly Rates: Allstate’s premiums start at $95 per month, which might be higher compared to other insurers, potentially affecting affordability for Pizza Hut delivery drivers.
• Discount Limitations: Despite offering various discounts, the overall cost for Pizza Hut delivery drivers may still be relatively high compared to more budget-friendly options.

#6 – Travelers: Best for Broad Coverage

Pros

• Extensive Coverage Choices: Travelers excels in offering a broad range of commercial auto insurance options tailored specifically for Pizza Hut delivery drivers, ensuring comprehensive protection for various delivery scenarios.
• Top A.M. Best Rating: With an A++ rating, Travelers boasts exceptional financial stability, which translates into reliable claims support and long-term security for Pizza Hut delivery drivers. Uncover details in our guide titled, “Travelers Auto Insurance Review.”
• Competitive Monthly Premiums for Pizza Hut Delivery Drivers: At $98 per month, Travelers provides competitive rates, offering excellent value for delivery drivers seeking broad coverage without overspending.

Cons

• Higher Premium Cost: Despite the extensive coverage, Travelers’ premiums could be relatively higher compared to some other providers, which may be a concern for cost-conscious Pizza Hut delivery drivers.
• Limited Customization for Pizza Hut Delivery Drivers: While the coverage is comprehensive, the options for customizing policies to meet specific delivery needs may be less flexible compared to some competitors.

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#7 – Farmers: Best for Customizable Policies

Pros

• Tailored Policies: Farmers is known for its ability to offer flexible insurance solutions that can be customized to meet the distinct needs of Pizza Hut delivery drivers, ensuring they receive coverage suited to their driving conditions.
• A.M. Best Rating: Holding an A rating, Farmers ensures solid financial stability and dependable claims management for Pizza Hut delivery drivers. Gain insights from our guide titled, “Farmers Auto Insurance Review.”
• Reasonable Monthly Rates: At $100 per month, Farmers offers a good balance of affordability and customizable coverage, catering effectively to the requirements of Pizza Hut delivery drivers.

Cons

• Potentially Elevated Premiums: The cost associated with customization might lead to higher premiums than more standard policies, which could be a drawback for Pizza Hut delivery drivers on a tight budget.
• Fewer Discount Opportunities: Farmers might not offer as many discounts or savings options compared to some competitors, which could impact overall affordability for Pizza Hut delivery drivers.

#8 – The Hartford: Best for Delivery Coverage

Pros

• Specialized Delivery Coverage: The Hartford delivers targeted insurance coverage designed specifically for Pizza Hut delivery drivers, ensuring that all aspects of delivery work are thoroughly covered.
• Strong A.M. Best Rating: With an A+ rating, The Hartford provides robust financial reliability and efficient claims support for Pizza Hut delivery drivers. To discover more about the company, visit our guide titled, “How can I cancel my auto insurance policy with the Hartford?“
• Attractive Rates: At $103 per month, The Hartford’s pricing strikes a good balance between coverage and cost, catering well to the needs of Pizza Hut delivery drivers.

Cons

• Higher Monthly Costs: The focus on specialized delivery coverage may result in higher premiums compared to more basic insurance options, which might be a concern for Pizza Hut delivery drivers looking for more affordable choices.
• Limited Policy Flexibility: The Hartford’s emphasis on delivery coverage might limit options for adjusting policies to suit other specific needs of Pizza Hut delivery drivers.

#9 – Liberty Mutual: Best for Mileage Discounts

Pros

• Mileage-Based Savings: Liberty Mutual offers substantial discounts based on mileage, which can be particularly advantageous for Pizza Hut delivery drivers who log a significant number of miles.
• Reliable A.M. Best Rating: With an A rating, Liberty Mutual ensures a dependable insurance option, providing solid financial backing and reliable claims handling for Pizza Hut delivery drivers.
• Competitive Rates with Discounts: At $105 per month, Liberty Mutual’s rates are competitive, especially when considering the mileage-based discounts available to Pizza Hut delivery drivers. For further details, see our guide titled, “Liberty Mutual Auto Insurance Review.”

Cons

• Higher Base Premiums for Pizza Hut Delivery Drivers: Despite the available mileage discounts, Liberty Mutual’s base premiums are relatively high compared to some competitors, which could be a concern for budget-conscious delivery drivers.
• Variable Discount Impact: The effectiveness of mileage-based discounts can vary based on driving habits, potentially resulting in less significant savings for some Pizza Hut delivery drivers.

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#10 – Nationwide: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Nationwide offers a wide range of coverage options that address multiple needs of Pizza Hut delivery drivers, ensuring they are protected in various delivery situations.
• High A.M. Best Rating: With an A+ rating, Nationwide provides a reliable insurance option with strong financial stability and effective claims support for Pizza Hut delivery drivers. Discover more by exploring our in-depth guide titled, “Nationwide Auto Insurance Review.”
• Reasonable Monthly Rates: At $110 per month, Nationwide’s rates provide good value for the extensive coverage offered, catering effectively to the needs of Pizza Hut delivery drivers.

Cons

• Higher Premiums for Pizza Hut Delivery Drivers: The comprehensive nature of the coverage might lead to higher premiums compared to more basic policies, which could be a consideration for delivery drivers seeking more budget-friendly options.
• Complex Coverage Options: The broad range of coverage options might be overwhelming or confusing for some Pizza Hut delivery drivers, potentially complicating the process of selecting the most appropriate policy.

Monthly Insurance Rates for Pizza Hut Delivery Drivers: Minimum vs. Full Coverage

The following table provides a detailed comparison of monthly auto insurance rates for Pizza Hut delivery drivers, highlighting the cost differences between minimum and full coverage options across various insurance providers. Explore insurance savings in our full guide titled, “Get Affordable Delivery Driver Auto Insurance Quotes“

Pizza Hut Delivery Driver Auto Insurance Monthly Rates by Coverage Level & Provider

When examining the monthly insurance premiums for Pizza Hut delivery drivers, Progressive offers the most affordable minimum coverage at $82 per month, while Erie provides the lowest full coverage rate at $155. On the other end of the spectrum, Nationwide has the highest premium for full coverage at $185.

Liberty Mutual and Farmers also show higher rates, with Liberty Mutual at $180 for full coverage and Farmers at $175. For minimum coverage, Auto-Owners follows closely behind Erie with a rate of $93. 

The rates for full coverage are generally higher, reflecting the broader protection offered, with the highest rates seen with Nationwide and Liberty Mutual.

Essential Auto Insurance Coverage for Pizza Hut Delivery Drivers

Pizza Hut does not insure its delivery drivers and doesn’t have any specifically identified auto insurance requirements, though you do need to be at least 18 to drive for the company.

You’ll need personal coverage that at least meets the minimum liability auto insurance requirement in your state to drive legally.

Unfortunately, your personal coverage won’t be enough to protect you when you’re out on delivery because your personal policy probably won’t apply when you’re using your vehicle for business purposes. And in some cases, companies actively exclude using your vehicle to make money.

This is typically referred to as a delivery-for-fee exclusion, which usually applies whenever you are paid a fee (or some other form of compensation) for carrying people or items in your vehicle. Learn more about the offerings in our guide titled, “Affordable Instant Auto Insurance Quotes.”

In most cases, this delivery-for-fee exclusion includes food delivery, but this can vary by state or by how you’re paid (hourly versus delivery fee), so make sure you understand your local laws and payment structure.

Given the delivery-for-fee exclusion, you’ll need commercial coverage when you’re using your vehicle to deliver for Pizza Hut.

So if you’re wondering if your insurance company will cover you if you’re in an accident while out on delivery, the answer is yes, but only if you have the right coverage.

And this is doubly important because you’re more likely to get in a car accident as a delivery driver than most other drivers on the road, according to Crosley Law.

Now that you know what kind of coverage you need as a delivery driver, where can you buy Pizza Hut auto insurance? Keep reading for more.

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Where to Obtain Auto Insurance for Pizza Hut Delivery Drivers

There isn’t a specific Pizza Hut auto insurance company, but you can buy commercial coverage from most major insurers (probably including the one currently holding your policy). So how much does commercial coverage cost?

While we don’t have exact Pizza Hut auto insurance rates, the average cost of commercial coverage is a monthly rate increase of $150.

So how can you get more affordable Pizza Hut auto insurance? One option is to ask about a delivery driver add-on. If your insurance company offers this coverage, all you need to do is work with your insurer to add it to your existing policy.

Not every insurance company offers this coverage, but some of those that do include:

• Crump Property & Casualty
• Geico
• International Property & Casualty
• Progressive
• State Farm

You can also compare rates from multiple companies to save on your rates. Get started using the tool on this page to get your first free quote. Access detailed insights in our guide titled, “Affordable Commercial Auto Insurance Coverage.”

Read more: Get Affordable Delivery Driver Auto Insurance Quotes

Pizza Hut Insurance: The Bottom Line

Pizza Hut does not provide or sell insurance coverage to its delivery drivers, so you will need to secure your own insurance policy. While having a personal auto insurance policy will ensure that you can legally drive, it will not be sufficient to protect you during deliveries.

To be fully covered while making deliveries, you will need to obtain commercial auto insurance in addition to your personal coverage. This commercial insurance is specifically designed to address the risks associated with using your vehicle for business purposes, ensuring you are adequately protected on the job.

Uncover details in our guide titled “How do I Know if I Chose the Right Coverage.”

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