Papa John’s Auto Insurance: Requirements & Rates for 2023
Papa John's auto insurance isn't provided by the company. As a Papa John's delivery driver, you will need a commercial auto insurance policy. Delivery drivers are considered high-risk, and the average policy rate is $237. Shop around to find the most affordable Papa John's auto insurance rates.
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UPDATED: Feb 15, 2023
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: Feb 15, 2023
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.
On This Page
- Papa John’s auto insurance isn’t offered through the company
- A standard insurance policy will not cover an accident while driving for your job
- Many insurance companies offer commercial and business use food delivery auto insurance
When looking for auto insurance for delivery drivers, the information you find is pretty confusing. What company you drive for will determine whether or not you need your own policy or if your job will provide it for you. Papa John’s auto insurance is not offered through the company.
You can buy food delivery auto insurance from pretty much all of the top insurance companies. You will find it in the form of commercial policies. In some cases, you can add business use to your current policy. However, you will want to check with your insurance company to make sure it’s available.
Your regular insurance policy will rarely cover you in the case of an accident. If an accident were to occur, you then need to hire a car accident lawyer after an accident to handle a messy legal battle.
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What type of auto insurance do I need as a Papa John’s delivery driver?
In the world of on-demand delivery, insurance for your car is a must. The correct type of policy will guarantee you and your vehicle are covered in the case of an accident. Papa John’s does not specify what kind of insurance you need, which makes becoming one of their drivers confusing.
When you deliver food for a living, you are going to need a commercial policy. You may be able to add business use to your current policy, but that will depend on your insurance company.
Here is a look at average commercial auto insurance policy rates based on the type of vehicle you drive.
Vehicle Type | Minimum Monthly Commercial Auto Insurance Rates | Maximum Monthly Commercial Auto Insurance Rates |
---|---|---|
Car | $50 | $273 |
Semi-truck | $667 | $1,041 |
Delivery Van | $275 | $516 |
Limousine | $333 | $500 |
Cab | $416 | $833 |
Commercial policies do tend to cost more money, but they can be paired with discounts. Discounts can help reduce your Papa John’s auto insurance rates.
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What is the most affordable Papa John’s auto insurance company?
While most major insurance companies will be able to provide you with a commercial policy, their rates will not all be created equal. As noted, if you want to add business use to your current policy, you will need to check with your insurance company to see if that is possible.
Geico and Progressive offer competitive rates and excellent discount options. You will likely find cheap Papa John’s auto insurance from one of these companies.
Here is a look at sample rates from Progressive that include using your vehicle to deliver food.
Type of Auto Insurance Coverage | Sample Monthly Rates from Progressive | Sample of Monthly Rate Increase (Compared to a Personal Policy Alone) |
---|---|---|
Personal Auto Insurance (No Delivery) | $105.83 | N/A |
Personal Auto Insurance (Delivery) | No Coverage Available | No Coverage Available |
Business + Personal Auto Insurance (Food Delivery) | $296.83 | 180.47% |
Business Only Auto Insurance (Food Delivery) | $273.08 | 158.03% |
As you can see, these policies are pricier than a standard policy. By comparing various companies, you will be able to find the best rates. This ensures you are getting the best bang for your buck while working as a Papa John’s delivery driver.
For a quick comparison so you can buy Papa John’s auto insurance with confidence, enter your ZIP code now, and see quotes from multiple top insurance companies.
Free Insurance Quote Comparison
Enter your ZIP code below to compare cheap insurance rates.
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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.