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Little Caesars Pizza Auto Insurance (Rates & Requirements)

Things to Remember

  • Drivers are required to have a personal auto insurance policy to drive for Little Caesars.
  • Driving for Little Caesars Pizza may cost you extra on your auto insurance policy.
  • Your auto insurance company may deny your claim if you’re in an accident while driving for Little Caesars without proper coverage.

After 20 years of specializing in carry-out services, Little Caesar’s recently started offering delivery. With this new service, drivers are necessary, and knowing whether or not to buy food delivery car insurance is critical.

Often, drivers consider this question: does Little Caesars Pizza offer auto insurance? Little Caesar’s doesn’t have its own insurance for drivers. Read below to learn more.

Before learning about Little Caesars Pizza auto insurance requirements, enter your ZIP code into our free online tool for instant, affordable Little Caesar’s Pizza auto insurance quotes from companies in your area.

Table of Contents

Does Little Caesars Pizza offer auto insurance?

Little Caesars Pizza does not explicitly state that it offers auto insurance coverage for its delivery drivers. However, most businesses that require drivers also provide some form of on-the-job commercial auto insurance.

Delivery drivers must use their vehicle and maintain the minimum car insurance requirements per their state laws.

Usually, liability coverage is the minimum requirement for auto insurance.

Here are some sample liability coverage rates from each state to give you an idea of what you may have to pay for liability insurance in your area.

Sample Liability Auto Insurance Rates by State
StateLiability Coverage Average Annual RatesLiability Coverage Average Monthly Rates
Alabama$394.21$32.85
Alaska$539.68$44.97
Arizona$508.76$42.40
Arkansas$394.13$32.84
California$489.66$40.81
Colorado$520.04$43.34
Connecticut$650.94$54.25
Delaware$799.30$66.61
District of Columbia$628.82$52.40
South Dakota$300.22$25.02
Florida$857.64$71.47
Georgia$557.38$46.45
Hawaii$458.54$38.21
Idaho$344.29$28.69
Illinois$446.72$37.23
Indiana$382.68$31.89
Iowa$299.18$24.93
Kansas$358.24$29.85
Kentucky$529.21$44.10
Louisiana$775.83$64.65
Maine$338.87$28.24
Maryland$609.74$50.81
Massachusetts$606.04$50.50
Michigan$795.32$66.28
Minnesota$456.82$38.07
Mississippi$460.50$38.38
Missouri$415.88$34.66
Montana$386.29$32.19
Nebraska$364.64$30.39
Nevada$681.56$56.80
New Hampshire$400.56$33.38
New Jersey$869.57$72.46
New Mexico$488.03$40.67
New York$804.51$67.04
North Carolina$359.42$29.95
North Dakota$298.18$24.85
Ohio$397.11$33.09
Oklahoma$461.01$38.42
Oregon$584.13$48.68
Pennsylvania$499.06$41.59
Rhode Island$759.80$63.32
South Carolina$527.09$43.92
Tennessee$413.91$34.49
Texas$528.75$44.06
Utah$497.53$41.46
Vermont$343.12$28.59
Virginia$425.61$35.47
Washington$596.67$49.72
West Virginia$491.83$40.99
Wisconsin$374.37$31.20
Wyoming$321.04$26.75

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Liability insurance rates vary by state and the insurance company, and as a business use policy, Littel Caesar’s Pizza auto insurance rates may be higher.

Do you need commercial auto insurance coverage?

Because Little Caesars requires drivers to drive their cars without providing coverage, it is a good idea for them to consider adding a commercial auto insurance policy. A commercial policy covers delivery drivers while they’re driving for the company.

Although adding a food delivery auto insurance policy to your current coverage costs a little extra each month, it is beneficial if you need to file an accident claim.

In some cases, delivery driving under a personal policy alone can result in paying damage costs out-of-pocket. It’s best to eliminate this risk by adding a commercial line to your policy.

However, we recommend discussing your food delivery insurance coverage options with an insurance agent before adding a line to your current auto insurance policy.

Additionally, the Insurance Information Institute suggests that comparing multiple auto insurance companies’ rates reduces auto insurance costs. It also ensures that you get the best policy for your needs.

Before you buy Little Caesars Pizza auto insurance, compare rates. Enter your ZIP code into our free online tool for instant auto insurance quotes.

References:

  1. https://www.iii.org/article/how-can-i-save-money-auto-insurance

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