Papa John’s Auto Insurance: Requirements & Rates for 2021

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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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: Jul 16, 2021

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Overview

  • 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.

To avoid dealing with legal issues, find affordable Papa John’s auto insurance quotes by entering your ZIP code now.

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.

Average Minimum and Maximum Auto Insurance Rates for Commercial Auto Insurance by Vehicle Type
Vehicle TypeMinimum Monthly Commercial Auto Insurance RatesMaximum Monthly Commercial Auto Insurance Rates
Car$50$273
Semi-truck$667$1,041
Delivery Van$275$516
Limousine$333$500
Cab$416$833
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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.

Progressive Papa John's Delivery Driver Average Monthly Auto Insurance Rates by Policy
Type of Auto Insurance CoverageSample Monthly Rates from ProgressiveSample of Monthly Rate Increase (Compared to a Personal Policy Alone)
Personal Auto Insurance (No Delivery)$105.83N/A
Personal Auto Insurance (Delivery)No Coverage AvailableNo Coverage Available
Business + Personal Auto Insurance (Food Delivery)$296.83180.47%
Business Only Auto Insurance (Food Delivery)$273.08158.03%
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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.

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Enter your ZIP code below to compare cheap insurance rates.

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