MOD Pizza Auto Insurance: Requirements & Rates for 2025
When working as a delivery driver you need separate MOD Pizza auto insurance to remain covered while on the clock. Personal auto insurance does not cover your car if it is being used to deliver pizzas for work. You will need to purchase a separate commercial insurance policy or add-on for your personal policy to secure food delivery insurance coverage.
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Brad Larson
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Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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UPDATED: Jun 16, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jun 16, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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If you are getting ready to make some extra money delivering for MOD Pizza, this article is for you. Did you know that MOD doesn’t provide its delivery drivers with MOD auto insurance?
It’s true. In fact, most food delivery jobs, while requiring that you have personal insurance, do not provide any additional food delivery insurance policies to keep you insured while you work.
Instead, what you will need is a commercial auto insurance policy.
Keep reading to learn more about insurance for food delivery drivers, how you can stay insured, and how much it costs to do so.
If you need MOD Pizza auto insurance and want to start comparing food delivery car insurance quotes today, enter your ZIP code above. We will help you find local providers that fit your budget and coverage needs.
- When driving delivery for MOD Pizza you need separate auto insurance to remain covered
- MOD Pizza doesn’t provide a car insurance policy for its drivers
- Coverage for pizza delivery drivers is usually more expensive due to the increased risk to the insurance company
What happens if I deliver pizza for MOD uninsured?
A personal auto insurance policy is just that, it’s for the personal use of your car. In most cases, this means that your personal policy won’t extend to cover you while you’re using your car for a job.
This means that while you are driving to deliver pizza for MOD, you will be doing so underinsured.
Uninsured or underinsured car accidents can be a big deal. On top of paying for medical bills if you or the other party is injured, there is also the cost of repairing your car, which will now fall entirely on you.
According to the Insurance Information Institute, the average cost for a collision claim was over $3,500.
If the situation grows complicated and you or the other party have to hire a car accident lawyer, the costs can easily skyrocket.
If you are delivering pizza to earn extra money, a single accident can easily wipe out any savings you have accumulated.
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How much does food delivery driver auto insurance cost?
How much you pay for your commercial auto insurance is going to depend a lot on what type of coverage you can get.
While there is always the option of getting a separate commercial policy, that is no longer the only option for food delivery driver auto insurance.
With the rise of things like DoorDash and UberEats, insurance for food delivery drivers has expanded to include options like add-ons to personal policies and what are called rideshare policies.
A policy add-on is by far the most cost-effective option for delivery drivers. These can cost as little as four dollars on top of your monthly premium, depending on your provider.
Some companies have created special rideshare policies, like Geico commercial auto insurance.
They have created a hybrid policy that will cover you both when driving for fun and driving for an employer like MOD Pizza.
This policy is a replacement for a traditional personal policy, and if you are considering delivery work as a consistent side-hustle, it is a great option to look into.
The only downside to policies like these and add-ons is that not every provider in every city offers them. Rideshare policies, in particular, are offered in very few places at the moment, mostly confined to big cities.
If you live in an area where add-ons or rideshare policies aren’t available, you may have to rely on finding an affordable commercial auto insurance policy instead.
One of the best ways to make sure you are not overpaying for this additional insurance is to shop around.
Take the time to get quotes from multiple providers until you are certain you have found the best deal in your area.
You need a commercial policy for Mod Pizza auto insurance coverage. Are you ready to start comparison shopping? Enter your ZIP code below and we will help you jumpstart your search.
Case Studies: MOD Pizza Auto Insurance Requirements & Rates
Case Study 1: John’s Delivery Dilemma
John works as a delivery driver for MOD Pizza. One day, while delivering pizzas, he gets into a car accident. Unfortunately, John’s personal auto insurance policy does not cover accidents that occur while using the vehicle for work. As a result, he is left with all the financial burdens, including medical bills and repair costs for his car.
Case Study 2: Sarah’s Smart Choice
Sarah, another delivery driver for MOD Pizza, decides to be proactive and obtain the necessary commercial auto insurance policy. By taking this step, she ensures that she is fully covered while on the job. When she encounters an accident during a delivery, her insurance policy comes to her rescue, covering all the expenses and protecting her from financial hardships.
Case Study 3: Alex’s Alternative Option
Alex, a delivery driver for MOD Pizza, discovers an alternative option for insurance coverage. Instead of solely relying on a separate commercial policy, he finds out about rideshare policies offered by some insurance companies. Alex opts for a rideshare policy, which not only covers his delivery work but also provides protection during his personal driving activities.
Enter your ZIP code below to compare cheap insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.