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Marco’s Pizza has over 800 locations in the U.S., offering delivery services at most. Naturally, drivers are a crucial part of the business, and knowing when to buy food delivery car insurance is critical.
Drivers often consider whether or not Marco’s Pizza offers auto insurance. However, Marco’s doesn’t clarify auto insurance coverage on its website, which means you need to provide your own. Read below to learn more.
Before learning about Marco’s Pizza auto insurance requirements, enter your ZIP code into our free online tool for instant, affordable Marco’s Pizza auto insurance quotes from companies in your area.
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Marco’s Pizza does not clarify online that it offers auto insurance coverage for its delivery drivers. Although, most businesses that need delivery drivers give some form of on-the-job commercial auto insurance.
Per the website, Marco’s Pizza delivery drivers must be at least 18 years old with a valid license and a high school diploma or a diploma equivalent. The application suggests drivers use their vehicle.
Marco’s doesn’t mention requiring drivers to meet the minimum car insurance requirements in their state, but drivers should have it as it’s illegal for anyone to drive uninsured.
Typically, the minimum auto insurance requirement is liability coverage. The Insurance Information Institute explains that this coverage consists of both bodily injury and property damage liability.
Here are some sample liability coverage rates by state to determine what you may pay for liability insurance in your area.
| State | Liability Coverage Average Annual Rates | Liability 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 |
As you can see, liability insurance rates vary, and as a business use policy, Marco’s Pizza auto insurance rates may be higher.
Because Marco’s Pizza does not provide full auto insurance coverage, it is a good idea to consider adding a commercial auto insurance policy to your current one. A commercial policy, or a food delivery auto insurance policy, covers delivery drivers while they’re driving for the company.
Although adding food delivery car insurance to your current coverage adds a little more to your premium, it is helpful if you need to file an accident claim.
For instance, delivery driving under a personal policy alone can result in paying damage costs out-of-pocket. Therefore, it’s best to eliminate this risk by adding a commercial line to your policy.
However, we recommend discussing your options for food delivery insurance coverage with an insurance agent before adding a line to your current auto insurance policy.
Comparing multiple auto insurance companies’ quotes, such as Marco’s Pizza auto insurance quotes, reduces your auto insurance costs. It also ensures that you get the best policy for your needs.
Before you buy Marco’s Pizza auto insurance, compare rates. Enter your ZIP code into our free online tool for instant auto insurance quotes.
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