Little Caesars Pizza Auto Insurance: Requirements & Rates for 2021

If you are thinking about becoming a pizza delivery driver for Little Caesars, you need to look into Little Caesars Pizza Auto Insurance. Like most companies that use food delivery drivers, little Caesars do not provide insurance, and personal insurance will not protect you in the event of an accident. Instead, you need to purchase commercial insurance.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 4, 2021

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Overview

  • If you are using your car for delivering pizza, your insurance may not cover you
  • Little Caesars Pizza does not provide insurance for its drivers
  • To keep your car insurance, you need to purchase commercial insurance

If you are looking to deliver pizzas for a little extra cash, you may be wondering if Little Caesars Pizza auto insurance may be available to you. You would not be the first.

Many people who deliver are under the impression that the company they work for provides auto insurance for food delivery drivers. This is generally not the case.

While Little Caesars and other delivery jobs will require that you have valid insurance, they do not provide any coverage to you themselves. In addition, the personal insurance that you have may not protect you either.

Keep reading to learn more about keeping yourself and your car insured while on the clock through food delivery car insurance.

Are you looking for more affordable food delivery auto insurance rates? Enter your ZIP code above, and we will help you find rates in your area.

Will my personal insurance cover me when delivering for Little Caesar’s Pizza?

In most cases, the answer is no. The vast majority of personal auto insurance policies do not extend to cover delivery work. The main reason for this is that a personal insurance policy is just that, for personal uses.

The moment that you use your vehicle for commercial purposes, such as delivering pizza, your personal policy ceases to provide any protection.

Without proper coverage, you could be driving uninsured any time you clock in at your delivery job. If you get into an accident, you will be saddled with all the costs.

This includes repairs to your vehicle, medical bills, and even the expenses of any car accident lawyers that you need to employ.

An uninsured accident can cost thousands easily.

You may be thinking, well, how likely is it for me to get into an accident? The reality is that according to the CDC, car accidents are the largest cause of injuries in the United States.

With car crashes so ubiquitous, it makes sense to make sure you are adequately covered to avoid an expensive mistake.

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Is there special insurance for food delivery drivers?

Commercial insurance is designed to protect anyone who is using their car for work purposes. This includes delivery drivers. Suppose you want to get a simple commercial insurance policy.

In that case, it will be separate from your personal one, which means a separate monthly bill, which can get expensive depending on the rates of your current provider.

Another option is to look into an add-on for your policy. Many companies will provide rideshare add-ons for personal insurance policies.

These are designed for food delivery drivers and those who drive for companies like Lyft and Uber.

The policy essentially turns on when you are on the clock, and it can be a more affordable alternative to purchasing a whole separate policy.

A third option is a unique type of hybrid policy that Gieco commercial auto insurance offers, called the Rideshare policy. The Rideshare policy acts as both personal and commercial coverage.

This means no separate policy and no add-on required to make your personal insurance food delivery insurance.

How much does commercial auto insurance cost?

Auto insurance rates will vary not only from person to person but also from place to place. This makes any average rates challenging to define.

That being said, the average costs have been estimated to anywhere between $700 to $2500.

This wide gap accounts for the factors like where you live, your vehicle type, how much coverage you want, and your driving record.

While this may be the cost of an actual full policy, if you can get an add-on to your existing policy, as we discussed above, the rates go down considerably.

These types of policy additions add an average of anywhere between $10 to $30 to your policy per month.

While these add-ons are much more affordable than purchasing a separate policy, they are not available everywhere.

If they are not offered in your area, you may have no choice but to search out the most cost-effective full policy available.

Whatever policy is available, it’s crucial to avoid delivering for little Caesars or any other service without the proper coverage.

Reach out to your existing provider and see if your personal policy is one of the few that will protect you on the clock, and compare auto insurance rates before you purchase a new policy.

Are you interested in looking at food delivery auto insurance quotes near you? Enter your ZIP code below, and we will pull up local rates available right now.

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