Domino’s Pizza Auto Insurance (Rates & Requirements)

Delivering for Domino's pizza requires commercial auto insurance in addition to your normal personal policy. Food delivery auto insurance is available. Commercial insurance costs on average $273.08/month. Read more to find the laws, rates and requirements in this Domino's Pizza auto insurance review.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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

UPDATED: Jul 17, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to remember...

  • Delivery drivers for Domino’s must carry an auto policy covering commercial use
  • Drivers should purchase a reliable amount of liability coverage and also seriously consider collision and comprehensive insurance to have the best Domino’s food delivery auto insurance coverage
  • Since commercial insurance can be costly, comparison shopping for Domino’s Pizza auto insurance rates makes sense


Auto insurance for Domino’s Pizza delivery drivers is important, and brings a serious of questions. Will my auto insurance cover an accident delivering pizza for Domino’s? What kind of insurance do I need to deliver Domino’s pizza? Is there any specific Domino’s Pizza delivery driver insurance? How much is Domino’s insurance?

What is the best Domino’s Pizza auto insurance coverage? Are there any affordable Domino’s auto insurance plans? Learn all about Domino’s Pizza auto insurance coverage requirements and then compare rates to find the cheapest Domino’s Pizza auto insurance rates.

Domino’s Pizza Company was founded way back in 1960 in Ypsilanti, Michigan. Today, diners can find a Domino’s in more than 5,700 cities throughout the world. Two things contribute to Domino’s success. People love pizza and they love the company’s quick delivery policy.

Huge customer demand means Domino’s is always looking for drivers, which creates opportunities for those interested in steady work.

With Domino’s, the company promises delivery within 30 minutes or less or the pizza is free. Unfortunately, this can contribute to potential accidents when delivering pizza, making Domino’s insurance a business necessity.

A famous case in Florida reveals the Domino’s corporation was hit with a massive multi-million dollar judgment after a delivery crash. The corporation might not be alone when auto insurance law troubles arise.

Depending on the circumstances, drivers must realize they could also be sued after an accident.

Find affordable Domino’s Pizza auto insurance rates by entering your ZIP code above.

Personal vs. Commercial Auto Insurance Policies

What kind of insurance do I need to deliver pizza? When purchasing an automobile insurance policy, the sales representative asks a number of questions related to basic underwriting. One very common question is something to the effect of “Do you use the car to conduct business?”

If you weren’t using the car for commercial activities at the time, you probably made an emphatic “no” response.

Unfortunately for a lot of drivers, they do not call their insurance company to make an update to their policy after accepting a delivery job.

They don’t do this on purpose. They just don’t know the policy had to be changed.

Sad to say, delivery drivers, can find themselves in a very tough position after an accident only to discover their current policy is invalid. Driving a car for business, including pizza delivery work, requires a commercial auto policy. A personal policy would likely be deemed invalid.

Take a look at the table below to see sample quotes from Progressive for delivery driver insurance.

Progressive Quotes for Food Delivery Auto Insurance
TYPE OF AUTO INSURANCEPROGRESSIVE MONTHLY RATERATE INCREASE FROM PERSONAL AUTO INSURANCE ONLY
Personal Insurance (No Delivery)$105.83n/a
Personal Insurance (Delivery)Won't CoverWon't Cover
Food Delivery (Business & Personal Auto Insurance)$296.83180.47%
Food Delivery (Business Auto Insurance Only)$273.08158.03%
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So what is commercial auto insurance?

Claims on an invalid policy would be denied, which means the driver can potentially be held personally liable for damages if they are doing commercial activity while only having personal insurance.

To cause serious bodily injury or wrongful death while delivering pizza could mean significant damages being awarded. Even if your assets are currently limited assets, a judgment in court may create a lien capable of haunting you for years.

The Insurance Information Institute (III) notes that your personal umbrella liability insurance probably won’t cover damages that happen when you’re driving for work like making a delivery. And there will be no way to make a specific Domino’s Pizza auto insurance claim with the company.

It’s important then that you get the right coverage from a good commercial auto insurance company.

There is no State Farm pizza delivery insurance or USAA pizza delivery insurance. However, there is a Progressive pizza delivery insurance option available.

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Do you need special insurance as a Domino’s Pizza delivery driver?

If you are considering working for Domino’s, you must understand there are personal responsibilities that come with driving for the company. One responsibility to take seriously is acquiring the proper food delivery insurance. Domino’s delivery insurance costs depend largely on your ZIP code, car, and driving history.

When you travel busy roads, you run the risk of a fender bender or worse — a lot worse. So, you must purchase the best possible insurance policy for your job. And the insurance does need to cover business use or else you may find yourself in a lot of trouble after an accident.

On an application to work for Domino’s, the document states: “Individuals must show proof of and maintain auto liability insurance.”

Would-be drivers should understand a few things about this requirement. Domino’s does not require a specific minimum amount of liability coverage.

A driver could conceivably purchase very little coverage leaving him/her underinsured. Purchasing as much liability coverage as possible probably would be advisable.

Drivers who don’t maintain their coverage either by dropping it or allowing the policy to lapse due to non-payment do more than jeopardize their job.

They jeopardize their future by driving without adequate insurance protections in place.

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Changing Up an Auto Insurance Policy

Changing up an auto insurance policy requires little more than contacting the insurance provider and informing the representative about the vehicle being used to deliver Domino’s.

A new rate would be quoted and the rate surely will be higher considering the added risk associated with food deliveries. Comparison shopping helps with getting the best rates.

Think about all the coverage options available to you. Auto liability insurance and collision insurance would be critical ones to have in place.

Liability protects you against personal losses and collision covers car repairs after a collision. Delivery drivers also find their vehicles at risk for theft when they exit to drop off a Domino’s pizza. Comprehensive insurance covers you in case of theft and other non-accident mishaps.

You are also probably eligible for many auto insurance discounts on your policy.

Even with the right auto insurance policy in place, you would still benefit from shopping around and checking out various Domino’s Pizza delivery insurance rates.

At least once a year, review up to four, maybe more, policy quotes. Two reasons exist for being diligent with insurance coverage. First, you may be able to find better and more comprehensive coverage.

Second, you could even save a lot of money with a new policy. Both these benefits may help you handle Domino’s delivery work with less worry.

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Frequently Asked Questions

We’ve added a few more FAQs below.

Is Domino’s 30 minutes or free?

Once upon a time, you might remember seeing a Domino’s pizza insurance commercial about free pizza if it’s not there in 30 minutes. But that’s no longer the case. Domino’s no longer honors this original promise for most franchise locations.

How much does Domino’s Pizza pay hourly?

Payscale reports that the average pizza delivery driver makes about $8.31 an hour, though the site notes that this is a combined average for Domino’s, Pizza Hut, and Papa Johns. Domino’s actually has the lowest rate at around $7.75 an hour.

What is Domino’s delivery insurance?

Domino’s satisfaction guarantee is there to prevent Domino’s complaints from their customers. If you are unsatisfied with the state of your order after it has been delivered, you can make a claim and recieve money off future orders.

There is also carry out insurance. The Domino’s carry out insurance price is 0 dollars. You can get a refund from Domino’s by bringing back the uneaten pizza within two hours.

You might wonder, how much does Domino’s pizza insurance cost? What is the Domino’s pizza insurance price? Domino’s insurance costs nothing for Domino’s customers. You may be able to get a Domino’s insurance pizza if you are unsatisfied with your pie.

There are plenty of Domino’s delivery insurance Reddit threads that talk issues they’ve had with Domino’s pizza, but the overwhelming majority of the time there are no issues.

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Bottom Line: How much does Domino’s delivery insurance cost?

Domino’s delivery insurance cost is determined by several factors. Claims history and type of vehicle are two major ones.

While prices are important, opting for the cheapest Domino’s delivery insurance isn’t always ideal. Choosing the appropriate coverage to handle all of your concerns should be paramount when selecting a policy.

Don’t miss out on our free Domino’s insurance comparison tool below! Just enter your ZIP code and compare Domino’s pizza auto insurance rates now.

References:

  • https://www.iii.org/
  • https://www.dominos.com/en/about-pizza/carryout-insurance/

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