Panera Bread Auto Insurance (Rates & Requirements)

Panera Bread auto insurance is necessary for drivers, but you will have to purchase your own commercial policy. Commercial food delivery auto insurance averages $273.08/month. Shopping around is the best way to save.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to remember...

  • Panera only hires drivers with their own insurance policy
  • Your auto insurance company might deny your claims if you are involved in an accident driving for Panera
  • If you work for Panera, purchasing commercial coverage for your food delivery car insurance is the safest concept for drivers delivering for Panera


Will my auto insurance cover an accident delivering food for Panera? When Panera Bread began offering delivery services in certain areas of the country, customers were ecstatic. What’s better than your favorite breakfast and lunch items delivered right to your home or work in just a few minutes with the click of a button or a quick phone call?

It’s also a great thing for those who need gainful employment. The introduction of delivery service meant the restaurant needed to hire delivery drivers, which means jobs opened to those in need. But you want to make sure to have Panera delivery driver insurance.

Make sure you are covered for the best Panera Bread auto insurance rates with our free quote tool above! 

Panera Bread Delivery Drivers Must Have Their Own Auto Insurance

The one thing you might not consider when you apply for a job with Panera working as a delivery driver is your insurance. You must carry a valid insurance policy as required by the state in which you live, but does that policy cover you if you’re involved in an accident while working for Panera?

While it might seem like a simple yes or no answer, it’s not that simple. Before you start shopping around for an auto insurance policy for your newfound delivery vehicle, there are a few things you must know.

Panera is not responsible for providing auto insurance to its drivers. You need to get your own food delivery car insurance.

Each Panera Bread location with delivery service has different requirements, opportunities, and specifics, but each one requires their drivers to have a valid driver’s license, a clean driving record, and you must prove you have auto insurance that meets at least the state minimum in the state where you reside.

The table below shows sample quotes from Progressive for delivery drivers, including business-use commercial coverage.

Progressive Quotes for Food Delivery Auto Insurance
TYPE OF AUTO INSURANCEPROGRESSIVE MONTHLY RATERATE INCREASE FROM PERSONAL AUTO INSURANCE ONLY
Personal Insurance (No Delivery)$105.83n/a
Personal Insurance (Delivery)Won't CoverWon't Cover
Food Delivery (Business & Personal Auto Insurance)$296.83180.47%
Food Delivery (Business Auto Insurance Only)$273.08158.03%
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There are many good commercial auto insurance companies out there to choose from. If you do not have these things to prove when you apply for a delivery position within the company, you are not hired for the position.

Panera only allows responsible drivers 18 and up to deliver for them, and you must have your own insurance policy. If you don’t, you can shop for food delivery auto insurance and compare rates so you are eligible to apply for the job with Panera.

Some Panera Bread locations offer their employees discounts on different insurance policies. It depends on where you live and which Panera you work for.

For example, if you work for the St. Louis, Missouri Panera, you are eligible to receive discounts through several different insurance companies. It’s offered as a perk of the job, but it still means you must carry your own insurance.

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Will Panera Bread pay for a car accident while I’m delivering?

If you are delivering food for Panera and you are in an accident, you might face serious problems. Once you tell the police officer you are on the road delivering a meal for your company, it’s noted on your accident report.

Your insurance agency might decide to deny your claim for repairs and medical coverage once it’s submitted as they simply might not cover delivery situations.

If you’re on the road for your job delivering food regularly, it makes you a riskier driver. For this reason, companies will at times exclude delivery situations from personal auto coverage.

Insurance companies typically require their policyholders to pay much higher premiums if they are on the road more than the average person, and it could be all they need to deny your claim. This doesn’t mean your insurance company will deny your claim, but it’s very possible.

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Is Panera liable for my accidents while delivering?

Typically, no. However, that might not stop other drivers from suing Panera if you are involved in an accident.

For example, if you cause an accident while driving for Panera and your insurance company denies the claim, the other driver might go after your employer for the cost of the accident.

It’s usually more profitable in a lawsuit to sue an employer than it is an employee, and whether it might happen depends on the situation, where you live, and what kind of policies you and the company both carry.

Why don’t delivery services cover accidents under your personal policy? There are a lot of factors that go into this, but one is that it is a risky job. The U.S. Bureau of Labor Statistics reports that delivery drivers are actually the 4th most dangerous job in America. For insurers, and that means there’s a higher likelihood that they’ll have to pay out a claim.

Panera Delivery Driver Insurance: Commercial Auto Insurance

The best thing you can do to avoid denied claims in case of an accident is to purchase commercial coverage when you begin driving as a delivery driver. This is a different kind of coverage offered by insurance agents.

This video from Travelers talks a bit more about commercial auto coverage.

The Insurance Information Institute (III) notes that your personal umbrella liability insurance won’t usually cover expenses incurred that are business-related, such as delivering food.

To find the best rates and most commercial coverage, you can compare rates and quotes with various auto insurance companies to see who has the best policy.

It’s a good idea to do this not only to cover you in case of an accident but also to make your premiums more affordable.

Tips for Finding Affordable Panera Driver Auto Insurance

If you’re in the market for better insurance now that you’re considering a delivery job with Panera, you want to check with multiple companies to find the best rate.

Your driving record plays a big role in the amount you pay for premiums every year. A good driving record means you get better rates.

It’s also important to ask for discounts for your vehicle. These car insurance discounts make a big difference.

If you drive a vehicle that’s got a lot of safety options, you might get a discount. If you have more than one car on your policy, you also get a discount. If you bundle your home and life insurance with your auto insurance, you might also get a discount.

Commercial auto insurance is more expensive than the traditional personal auto insurance, so be sure to check for discounts and better rates with other companies before settling on a plan.

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Frequently Asked Questions

What time does Panera stop delivering?

Panera Bread typically delivers between the hours of 11 am and 8 pm.

Don’t miss out on our free insurance comparison tool below!. Just enter your zip code and start comparing rates now for Panera car insurance.

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