Best Auto Insurance for Papa Gino’s Pizzeria Delivery Drivers in 2024 (Top 10 Companies Ranked)

You can find the best auto insurance for Papa Gino’s Pizzeria delivery drivers from top insurers like State Farm, USAA, and Progressive, with coverage starting at $70/month. The best option is State Farm, as it offers reliable commercial coverage.

Papa Gino’s Pizzeria auto insurance is similar to other delivery operations. This means that while they do require their drivers to carry food delivery comprehensive auto insurance, they themselves do not provide it.

Our Top 10 Company Picks: Best Auto Insurance for Papa Gino's Pizzeria Delivery Drivers

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#1 – State Farm: Top Overall Pick

Pros

• Commercial Auto Expertise: State Farm’s expertise in commercial auto insurance means Papa Gino’s Pizzeria delivery drivers can rely on their specialized knowledge for the best coverage during deliveries.
• Rental Reimbursement Coverage: If a Papa Gino’s Pizzeria delivery driver’s vehicle is damaged, State Farm’s rental reimbursement ensures they can continue working while their vehicle is repaired, minimizing downtime.
• Accident-Free Incentives: State Farm rewards safe driving with discounts for Papa Gino’s Pizzeria delivery drivers who maintain an accident-free record, promoting safer driving practices. Read the State Farm auto insurance review to discover more about their offerings.

Cons

• Lack of Specific Delivery Driver Programs: Unlike some competitors, State Farm does not offer programs exclusively tailored for delivery drivers, which may be a disadvantage for Papa Gino’s Pizzeria drivers.
• Fewer Discounts for High Mileage: Papa Gino’s Pizzeria delivery drivers who cover extensive distances may find fewer discount opportunities with State Farm, compared to other insurers that reward high-mileage drivers.

#2 – USAA: Best for Military Benefits

Pros

• Low Premium Costs: At $120 per month, USAA’s premiums are among the lowest in the market, providing an affordable option for Papa Gino’s Pizzeria delivery drivers looking to minimize their insurance expenses.
• Roadside Assistance Add-On: USAA provides affordable roadside assistance as an add-on, ensuring Papa Gino’s Pizzeria delivery drivers can receive help quickly if they experience a breakdown while delivering pizzas.
• High Satisfaction Ratings: USAA consistently receives high satisfaction ratings from its members, which is reassuring for Papa Gino’s Pizzeria delivery drivers who value reliability and customer satisfaction. For detailed insights, check out our USAA auto insurance review page.

Cons

• Less Competitive for Civilian Drivers: For Papa Gino’s Pizzeria delivery drivers who are civilians, USAA’s rates and coverage options may not be as competitive as those offered by insurers that cater specifically to civilian needs.
• No Pay-Per-Mile Insurance: USAA does not offer pay-per-mile insurance, which could be a drawback for Papa Gino’s Pizzeria delivery drivers who work part-time or have varying delivery schedules.

#3 – Progressive: Best for Coverage Options

Pros

• Bundle and Save: Papa Gino’s Pizzeria delivery drivers can bundle their auto insurance with other types of insurance, such as renters or homeowners, to save on overall premiums. The Progressive auto insurance review provides a comprehensive look at their coverage.
• High-Risk Driver Acceptance: Progressive is known for accepting drivers with less-than-perfect records, making it a viable option for Papa Gino’s Pizzeria delivery drivers who may have had previous infractions.
• Loyalty Rewards Program: Progressive offers a loyalty rewards program that provides discounts and perks for long-term customers, which can be appealing to Papa Gino’s Pizzeria delivery drivers looking for a reliable insurer.

Cons

• Higher Rates for Low-Mileage Drivers: Progressive’s pricing may not be as competitive for Papa Gino’s Pizzeria delivery drivers who work part-time or have lower mileage, as the company tends to favor higher-mileage drivers.
• Snapshot Program Privacy Concerns: Some Papa Gino’s Pizzeria delivery drivers may have privacy concerns with Progressive’s Snapshot program, as it requires tracking driving habits via a mobile app or device.

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#4 – Allstate: Best for Accident Forgiveness

Pros

• Accident Forgiveness Feature: Allstate’s accident forgiveness option helps Papa Gino’s Pizzeria delivery drivers avoid rate increases after their first at-fault accident, which can be a valuable safeguard. Explore the specifics on detailed Allstate auto insurance review.
• Drivewise Program for Discounts: Papa Gino’s Pizzeria delivery drivers can save money through Allstate’s Drivewise program, which rewards safe driving habits with discounts and cashback.
• Rideshare Insurance Available: Allstate offers rideshare insurance that extends coverage when Papa Gino’s Pizzeria delivery drivers are using their vehicles for work, ensuring they are protected during deliveries.

Cons

• Premium Increases Post-Accident: Despite accident forgiveness, subsequent accidents can result in significant premium increases, which could strain the budget of Papa Gino’s Pizzeria delivery drivers.
• Less Competitive for High-Mileage Drivers: Papa Gino’s Pizzeria delivery drivers who cover extensive distances may find that Allstate’s rates are not as competitive for high-mileage drivers.

#5 – Liberty Mutual: Best for Bundle Savings

Pros

• Deductible Fund: Liberty Mutual’s Deductible Fund feature allows Papa Gino’s Pizzeria delivery drivers to reduce their deductible by $100 each year, which can lead to significant savings over time. Find in-depth information on Liberty Mutual auto insurance review.
• Multi-Policy Discounts: Papa Gino’s Pizzeria delivery drivers can save money by bundling their auto insurance with other types of insurance through Liberty Mutual, such as renters or home insurance.
• Advanced Safety Discounts: Liberty Mutual provides discounts for vehicles equipped with advanced safety features, which can help Papa Gino’s Pizzeria delivery drivers save on their premiums.

Cons

• Expensive Add-Ons: Add-on features like Better Car Replacement and Accident Forgiveness can increase the overall cost of the policy, making it less affordable for budget-conscious Papa Gino’s Pizzeria delivery drivers.
• Higher Deductibles for Low-Cost Policies: Papa Gino’s Pizzeria delivery drivers opting for lower-cost policies with Liberty Mutual may face higher deductibles, which could lead to more out-of-pocket expenses in the event of a claim.

#6 – Farmers: Best for Business Use

Pros

• Rideshare Coverage Available: Farmers offers rideshare insurance, which can be a significant advantage for Papa Gino’s Pizzeria delivery drivers who need extended coverage while working. Visit our Farmers auto insurance review to learn about their policy features.
• Personalized Policy Options: Farmers allows Papa Gino’s Pizzeria delivery drivers to customize their policies to fit their specific needs, ensuring they get the right coverage for their delivery routes.
• Strong Customer Satisfaction Ratings: Farmers has strong customer satisfaction ratings, which is reassuring for Papa Gino’s Pizzeria delivery drivers who value quality service and reliable support.

Cons

• Limited Online Features: Farmers’ online platform has fewer features compared to some other insurers, which might be a disadvantage for Papa Gino’s Pizzeria delivery drivers who prefer managing their policies digitally.
• Limited Coverage in Some Areas: Farmers’ coverage options might be limited in certain areas, which could be a drawback for Papa Gino’s Pizzeria delivery drivers working in less populated regions.

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#7 – Nationwide: Best for SmartRide Program

Pros

• Vanishing Deductible: Nationwide offers a Vanishing Deductible program, allowing Papa Gino’s Pizzeria delivery drivers to reduce their deductible by $100 for every year of safe driving. Our Nationwide auto insurance review page offers a thorough analysis of their services.
• On Your Side Review: Nationwide provides an annual On Your Side Review, helping Papa Gino’s Pizzeria delivery drivers ensure they have the right coverage and are taking advantage of all available discounts.
• Strong Financial Stability: Nationwide’s financial strength ensures that Papa Gino’s Pizzeria delivery drivers can rely on the company to pay out claims and provide support during critical times.
• Usage-Based Insurance Options: Nationwide offers usage-based insurance programs, such as SmartRide, which rewards safe driving habits with discounts for Papa Gino’s Pizzeria delivery drivers.

Cons

• Premium Costs: At $145 per month, Nationwide’s premiums are higher than some other options available to Papa Gino’s Pizzeria delivery drivers, which might be a consideration for those looking to cut costs.
• Limited Coverage in Rural Areas: Papa Gino’s Pizzeria delivery drivers working in rural areas might find Nationwide’s coverage options to be limited, which could impact their ability to get the best policy.

#8 – The Hartford: Best for Business Liability

Pros

• AARP Affiliation: The Hartford’s affiliation with AARP provides Papa Gino’s Pizzeria delivery drivers who are AARP members with exclusive discounts and benefits, potentially lowering their insurance costs. Get the complete scoop by reading The Hartford auto insurance review.
• Lifetime Renewability: The Hartford offers lifetime renewability for policies, ensuring that Papa Gino’s Pizzeria delivery drivers won’t be dropped as long as they meet the basic requirements.
• Dedicated Customer Service: The Hartford is known for its dedicated customer service, which can be a significant advantage for Papa Gino’s Pizzeria delivery drivers when dealing with claims or policy questions.

Cons

• AARP Membership Requirement: Some of the best discounts and benefits with The Hartford are available only to AARP members, which might exclude younger Papa Gino’s Pizzeria delivery drivers.
• Complex Policy Terms: Papa Gino’s Pizzeria delivery drivers might find The Hartford’s policy terms to be more complex and harder to understand, potentially leading to confusion about coverage details.

#9 – American Family: Best for Flexible Options

Pros

• Generous Discounts: American Family offers a variety of discounts, including those for good driving, bundling, and vehicle safety features, which can help Papa Gino’s Pizzeria delivery drivers save on their premiums.
• KnowYourDrive Program: Papa Gino’s Pizzeria delivery drivers can benefit from American Family’s KnowYourDrive program, which tracks driving habits and rewards safe driving with discounts.
• Dedicated Local Agents: American Family has a strong network of local agents, providing Papa Gino’s Pizzeria delivery drivers with personalized service and support. The American Family auto insurance review page has all the details you need.

Cons

• Mixed Reviews on Claims Processing: Some Papa Gino’s Pizzeria delivery drivers have reported mixed experiences with American Family’s claims process, including delays or complications in getting claims resolved.
• Complex Discount Structure: Papa Gino’s Pizzeria delivery drivers might find American Family’s discount structure to be complex, making it difficult to understand how to maximize savings.

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#10 – Travelers: Best for Discount Variety

Pros

• IntelliDrive Program: Travelers’ IntelliDrive program rewards safe driving habits by offering discounts to Papa Gino’s Pizzeria delivery drivers who demonstrate responsible driving, helping to reduce insurance costs. Dive into our Travelers auto insurance review for a full understanding of their offerings.
• Flexible Payment Options: Travelers provides flexible payment plans, which can be beneficial for Papa Gino’s Pizzeria delivery drivers who need to manage their insurance payments on a variable income schedule.
• Reputation for Customer Service: Travelers is known for its strong customer service, which can be a significant advantage for Papa Gino’s Pizzeria delivery drivers when dealing with claims or policy questions.

Cons

• Premium Costs: At $150 per month, Travelers’ premiums are higher than some other options, which might be a concern for Papa Gino’s Pizzeria delivery drivers looking for the most affordable insurance.
• Fewer Local Agents: Travelers has fewer local agents compared to some competitors, which could be a disadvantage for Papa Gino’s Pizzeria delivery drivers who prefer in-person service.

Insurance Needed to Drive for Papa Gino’s Pizzeria

Insurers are interested in one thing above all, risk. A delivery driver, for example, is seen as a higher risk by them because they are often on the road. For more information, read our article titled “High-Risk Auto Insurance Defined.”

So, is your personal policy enough to cover you? No matter which company you choose to drive for, the answer is no. You will need to carry commercial auto insurance coverage. This type of insurance is designed specifically for delivery drivers who use their vehicles for work, such as those doing food delivery or last-mile delivery.

Papa Gino's Pizzeria Delivery Driver Auto Insurance Monthly Rates by Coverage Level

Maybe that seems a little unfair. It’s your vehicle after all. Let’s focus on some good news, though. Most of the big insurers like State Farm and Liberty Mutual offer commercial coverage tailored for delivery drivers. These policies often include food delivery insurance, ensuring that you’re protected while on the job.

According to the California Department of Insurance, commercial insurance is the form of insurance that covers business-owners. Here’s the catch, if you’re driving your vehicle for the purpose of delivering food, you are using your vehicle as a business.

Let’s move on to what commercial coverage will cost you.

The Cost of Delivery Driver Insurance

How much is commercial auto insurance? If we are to look at it on a monthly basis, it is about $142. Is this provided for you or paid for in part by your company? No and no.

Should you choose to work as a delivery driver, you need to go in it expecting to have no coverage provided. With that being said, you’ll need to get your own. Driving without proper coverage is not only illegal but it will cost you a ton out of pocket if you get into an in-fault accident.

You may be asking, “Proper coverage? But I have a personal policy.” You will be required by your insurer to add commercial coverage to your existing personal policy. This is critical if you’re using your car for delivery purposes or considering last mile delivery insurance.

What happens if you get into an accident while delivering food on the clock? Remember that if you’re driving without auto insurance, not only are you breaking the law, but you will also be required to pay for any damages out of pocket.

While this is in the case where you started the accident, keep in mind that whether or not you’re on the clock, driving without coverage is illegal.

Be thorough when you compare insurers. Ask about everything you can think of.  Do they offer discounts? Will they be reliable for the next few years? Find one that not only offers commercial auto insurance, but will be in business for the foreseeable future.

To see which auto insurance company is right for you, type your ZIP code into our free and helpful tool below to find affordable auto insurance rates in your area.

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