I’m not sure what the insurance costs, as I have not seen those numbers yet. You should require that drivers have their own insurance, that they be at least 18 and that they have a good driving record with no more than 8 points depending on how the system works in your state. As far as paying drivers, most places pay drivers min wage plus a drivers compensation and of course their tips. I pay my drivers two dollars per delivery. One thing you gotta consider and keep in mind is that if you don’t have a delivery vehicle, drivers will be using their own cars and putting wear and tear and dipping into their own pockets for gas. As you are probably well aware of gas prices are high and I doubt we’ll ever see gas under 2.00 per gallon. The thing drivers complain about the most is of course people not tipping, but more than that they complain about the companies they work for not paying them adequate compensation for gas and wear and tear. Pay your drivers as much as you can.