Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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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. 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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 24, 2021

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The Lowdown

  • Progressive, GEICO, State Farm, and USAA are some of the best companies for pizza delivery drivers
  • When choosing an auto insurance company, you’ll need to keep your coverage needs in mind
  • Adding rideshare insurance to your personal policy will typically raise your rates by 15%-20%

Buying car insurance for pizza delivery is important, and if you’re looking for affordable car insurance companies that cover pizza delivery drivers, it may be difficult to choose the right one for you.

So which companies offer the best auto insurance for delivery drivers? And how much does delivery driver insurance cost?

Read through our guide to learn everything you need to know about getting car insurance as a pizza delivery driver.

Searching for the best car insurance companies that cover pizza delivery drivers rates in your area? Enter your ZIP code to get free quotes from top companies.

What are the best companies that offer pizza delivery driver insurance?

While there are a wide variety of companies that offer car insurance for pizza delivery drivers, some of the best include:

  • Progressive
  • State Farm
  • USAA

Each of which will be covered below.


Progressive is one of the top car insurance companies for pizza delivery drivers because of the company’s flexible rideshare insurance coverage option.

With rideshare insurance, you can keep your existing policy and add to it, so buying commercial insurance for delivery drivers isn’t typically needed.

However, Progressive’s rideshare insurance isn’t available in every state. If you live in a state where rideshare insurance isn’t offered, you may need to buy a commercial auto insurance policy.


GEICO offers a unique hybrid insurance option that replaces your personal car insurance policy instead of adding more coverage to an existing policy.

GEICO’s rideshare insurance option provides coverage whether you are driving for personal reasons or making deliveries, making it the perfect option for individuals who want a flexible full-coverage policy.

State Farm

State Farm offers delivery driver insurance options, but you won’t need to purchase rideshare insurance if you are only delivering food and not driving any passengers.

All you need is a “business use” notation on your current personal auto insurance policy.

A.M. Best gives State Farm a superior rating of A++.


USAA offers rideshare insurance with additional gap coverage that you can add to your current policy. This means that you will still be covered even while you’re logged onto the rideshare app waiting for a delivery request.

USAA’s rideshare gap coverage can cost you an additional $6-$8 per month, but the cost will depend on the specifics of your particular policy.

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How much does pizza delivery driver insurance cost?

Some pizza delivery companies provide insurance for their drivers but if yours doesn’t, you’ll be responsible for finding your own personal coverage.

Pizza delivery driver insurance costs will depend on what your insurance company charges and what type of car insurance coverage you have. For rideshare coverage, your insurance rates will typically increase by 15%-20%.

Before your buy pizza delivery driver insurance, enter your ZIP code to get free car insurance companies that cover pizza delivery drivers quotes.