Best Auto Insurance for Marco’s Pizza Delivery Drivers in 2025 (See the Top 10 Providers Here!)

Allstate, USAA, and Nationwide stand out as the best auto insurance for Marco’s Pizza delivery drivers, offering competitive rates starting at $48 per month for minimum coverage.

Among these, Allstate is particularly notable for its comprehensive policies tailored to meet the specific needs of delivery drivers. For a comprehensive review, see our in-depth guide titled “Comprehensive Auto Insurance Explained.”

Our Top 10 Company Picks: Best Auto Insurance for Marco's Pizza Delivery Drivers

Explore your auto insurance options by entering your ZIP code into our free comparison tool above today.

With a strong reputation for customer service and extensive coverage options, Allstate ensures drivers are well-equipped for any challenges they may face on the job.

#1 – Allstate: Top Overall Pick

Pros

• Comprehensive Coverage Options: Allstate auto insurance review showcase the company’s wide array of coverage options tailored to various needs, ensuring customers can find suitable protection.
• Strong Financial Stability: A+ rated by A.M. Best, indicating excellent financial strength and stability, reassuring customers of reliable claims payment.
• Nationwide Availability: Provides coverage across the United States, making it accessible to a wide range of customers seeking dependable insurance solutions.

Cons

• Customer Service Variability: Reviews on customer service can vary, with some customers reporting inconsistent experiences.
• Higher Premiums: Policies may be priced higher compared to some competitors, potentially impacting affordability for budget-conscious customers.

#2 – USAA: Best for Exclusive Benefits

Pros

• Exclusive Benefits: Tailored specifically for military members, veterans, and their families, offering unique benefits and personalized service.
• Exceptional Customer Service: USAA auto insurance review demonstrate the company’s outstanding service and support, with dedicated representatives knowledgeable about military-specific needs.
• Financial Stability: A++ rated by A.M. Best, demonstrating superior financial strength, ensuring stability and reliability for policyholders.

Cons

• Limited Eligibility: Only available to military personnel, veterans, and their families, restricting access to a broader customer base.
• Limited Branch Locations: Physical branch locations may be sparse in some areas, potentially affecting in-person service convenience.

#3 – Nationwide: Best for Multiple Discounts

Pros

• Multiple Discount Opportunities: Offers a variety of discounts to help lower premiums, making insurance more affordable for policyholders.
• Strong Financial Reputation: A+ rated by A.M. Best, indicating stability and reliability in financial commitments and claims handling.
• Diverse Coverage Options: Nationwide auto insurance review exhibit the company’s range of insurance products beyond auto insurance, catering to varied customer needs.

Cons

• Customer Service Issues: Some customers report dissatisfaction with service experiences, particularly in claims processing and responsiveness.
• Policy Flexibility: Policies may have less flexibility compared to other insurers, limiting customization options for specific coverage needs.

#4 – Farmers: Best for Delivery Endorsement

Pros

• Specialized Coverage Endorsements: Farmers auto insurance discounts highlight the company’s endorsements tailored to specific needs such as delivery drivers, providing comprehensive protection.
• Strong Financial Stability: A rated by A.M. Best, indicating solid financial health and reliability in meeting policyholder obligations.
• Established Reputation: Long-standing history and reputation in the insurance industry, instilling confidence among customers.

Cons

• Higher Premiums: Policies may be priced higher due to extensive coverage options and specialized endorsements, potentially impacting affordability.
• Limited Online Tools: Online service options and tools may be less developed compared to larger insurers, affecting digital service experience.

#5 – Liberty Mutual: Best for Flexible Policy

Pros

• Flexible Policy Options: Offers customizable policies to meet individual needs, allowing customers to tailor coverage according to their specific requirements.
• Strong Financial Stability: Liberty Mutual auto insurance review feature  the company’s A rated by A.M. best, ensuring reliability and strength in financial commitments and claims settlement.
• Additional Coverage Benefits: Provides optional coverage enhancements for added protection, catering to diverse customer preferences.

Cons

• Higher Premiums: Policies may be more expensive compared to some competitors, potentially influencing affordability for price-sensitive customers.
• Customer Service Concerns: Some customers report dissatisfaction with claims processing efficiency and support responsiveness, impacting overall satisfaction.

#6 – State Farm: Best for Agent Network

Pros

• Extensive Agent Network: Offers personalized service through a vast network of local agents, providing face-to-face assistance and support.
• Established Reputation: Recognized for reliability and customer trust over decades, earning a strong reputation in the insurance industry.
• Variety of Insurance Products: State Farm auto insurance review highlight the company’s range of insurance products in addition to auto insurance, offering comprehensive coverage options.

Cons

• Higher Premiums: Policies may be priced higher due to personalized service and extensive agent network, potentially affecting cost competitiveness.
• Limited Online Tools: Online and mobile app functionalities may be less advanced compared to larger insurers, impacting digital service experience.

#7 – Progressive: Best for Delivery Coverage

Pros

• Specialized Coverage Options: Progressive auto insurance review showcase the company’s tailored coverage for unique needs such as delivery drivers, providing comprehensive protection against specific risks.
• Superior Financial Strength: A+ rated by A.M. Best, indicating strong financial stability and reliability in claims payment and service delivery.
• Innovative Tools: Provides advanced online tools and resources for policy management, enhancing convenience and accessibility for customers.

Cons

• Higher Premiums: Policies may be more expensive due to specialized coverage options and comprehensive protection, potentially impacting affordability.
• Customer Service Challenges: Some customers report issues with claims processing efficiency and support responsiveness, affecting overall satisfaction levels.

#8 – Erie: Best for Competitive Rates

Pros

• Competitive Rates: Known for offering competitive premiums without compromising on coverage quality, ensuring affordability for policyholders.
• Excellent Customer Service: Erie auto insurance review demonstrate the company’s personalized service and support, providing a positive experience for customers.
• Strong Financial Stability: A+ rated by A.M. Best, ensuring financial reliability and security for policyholders.

Cons

• Limited Availability: Policies may only be available in select regions, potentially restricting access for customers outside of these areas.
• Limited Online Presence: Online service options and tools may be less extensive compared to larger insurers, affecting digital service capabilities.

#9 – American Family: Best for Discount Options

Pros

• Discount Options: Offers a variety of discounts to help lower insurance costs, making coverage more affordable for policyholders.
• Solid Financial Stability: A rated by A.M. Best, indicating stability and reliability in financial commitments and claims handling.
• Customer Satisfaction: American Family auto insurance review highlight the company’s high customer satisfaction ratings in various surveys, reflecting positive service experiences.

Cons

• Limited Availability: Policies may be restricted to certain regions or demographic groups, potentially limiting accessibility for new customers.
• Coverage Limitations: Policy options and coverage may not be as extensive as larger insurers, limiting customization for specific needs.

#10 – The Hartford: Best for Delivery Program

Pros

• Specialized Insurance Programs: The Hartford auto insurance review exhibit the company’s tailored programs and coverage options for unique needs, ensuring comprehensive protection.
• Strong Financial Stability: A+ rated by A.M. Best, demonstrating financial strength and stability in meeting policyholder obligations.
• Long-standing Reputation: Recognized for reliability and longevity in the insurance industry, earning trust among customers.

Cons

• Higher Premiums: Policies may be priced higher due to specialized coverage and comprehensive protection, potentially impacting affordability.
• Limited Availability: Policies may not be widely available compared to larger insurers, limiting access for customers in certain regions.

Understanding Marco’s Pizza Auto Insurance

Marco’s Pizza doesn’t offer employees commercial auto insurance when they’re on the job. While some delivery companies provide their employees with insurance coverage, Marco’s requires its drivers to find proper coverage on their own. For a detailed overview, refer to our extensive guide called “Best Business Auto Insurance.”

If you want to work for Marco’s, you must have a liability policy that meets your state’s requirements in terms of coverage limits. You’re also welcome to have additional coverage to protect you and your vehicle after an accident.

Affordable Auto Insurance Tips for Marco’s Pizza Delivery Drivers

The more Marco’s Pizza employee insurance coverage you carry on your vehicle, the higher your insurance rates will be. However, there’s still a chance you can find relatively cheap coverage as a Marco’s delivery driver.

Shopping online and comparing quotes from multiple insurance companies is the best way to find affordable rates for car insurance. Comparing quotes will help you see which companies are willing to offer you the coverage you need at a price that works with your budget.

Marco's Pizza Delivery Drivers Auto Insurance Monthly Rates by Coverage Level & Provider

Once you find a few companies you’re interested in, you can call and speak to a representative about the cost of coverage. Ensure the coverage you’re looking into will help when driving for work, and ask questions if you’re unsure about anything.

Marco’s Pizza Delivery Driver Auto Insurance Requirements

All you must have as a Marco’s delivery driver is liability coverage. The amount you must have depends on where you live.

Each state has minimum auto insurance requirements regarding how much liability coverage you must carry. In addition, each state has specific requirements for both bodily injury and property damage coverage. For an in-depth investigation, peruse our comprehensive guide named “Minimum Auto Insurance Requirements by State.“

The table below outlines the different coverage amounts required in each state:

Liability Auto Insurance Requirements by State

If you live in a state requiring lower coverage limits, your Marco’s Pizza insurance rates may be relatively low compared to rates in states that require higher levels of liability coverage.

Marco’s Pizza Employee Auto Insurance Cost

The amount you’ll pay for car insurance as a Marco’s delivery driver depends on several factors, including your age, gender, location, the car you drive, how often you drive, whether you use your car for business purposes, credit score, driving history, and marital status. For a thorough examination, take a look at our detailed guide entitled “Auto Insurance Rates by Age.”

If someone drives their car for personal use and has a good driving record, their rates for auto insurance could be fairly low. However, your auto insurance rates may be higher if you plan to use your personal vehicle as a delivery driver.

The table below shows the average auto insurance rates for food delivery drivers.

Delivery Driver Full Coverage Auto Insurance Monthly Rates by Delivery Type

A pizza delivery driver’s insurance rates are significantly higher than the average auto policy because most people in the food delivery industry choose to carry higher coverage levels.

Marco’s Pizza Commercial Auto Insurance Coverage

If you’re considering commercial insurance as a Marco’s delivery driver, ensure you get adequate coverage for your job.

• Part-time delivery drivers may not need the extensive coverage of a commercial insurance policy.
• Commercial auto insurance includes high levels of bodily injury liability, property damage liability, personal injury protection, medical payments, and legal expenses.
• Marco’s Pizza commercial coverage offers extensive protection but comes with higher monthly or annual rates. For a comprehensive assessment, read through our detailed guide titled “Best Commercial Auto Insurance Companies.”

If you drive for Marco’s full-time, you should consider a commercial insurance policy on your vehicle. However, if you only work for the restaurant a few days a week and drive your car to make deliveries for fewer than 20 hours per week, you may qualify for hired and non-owned coverage.

This coverage can provide adequate protection at a potentially lower cost, ensuring you are still covered for work-related incidents without the higher premiums of a full commercial policy.

Hired and Non-Owner Auto Insurance for Marco’s Pizza Delivery

Hired and non-owned car insurance is an add-on for your Marco’s Pizza auto insurance policy that covers you if you get in an accident or your car gets damaged while driving for the company.

Though your standard auto policy could deny your claim while working, hired and non-owned coverage allows you to have the proper liability coverage and personal protection when working. For a thorough understanding, refer to our detailed analysis titled “How to File an Auto Insurance Claim.”

Most companies have exceptions for this coverage type, so if you work full-time or drive a company-owned vehicle, hired and non-owned car insurance may not be an option.

The primary benefit of this policy type is that you can get higher coverage levels and ensure you’ll be covered if your claim is work-related. Additionally, you can avoid paying premiums as high as those associated with a commercial policy.

Find the Best Marco’s Pizza Auto Insurance for Delivery Drivers

Delivering pizzas for Marco’s requires you have a personal auto insurance policy. While you only have to carry liability auto insurance to work for the company, it’s good to purchase additional coverage to be protected if you get in an accident. For a thorough analysis, consult our comprehensive guide named “Cheapest Liability-Only Auto Insurance.”

Commercial auto insurance or a hired and non-owned policy may work for you, depending on how often you deliver for Marco’s. Comparing auto insurance quotes for Marco’s Pizza delivery online will help ensure you don’t pay too much for coverage.