Panera Bread Auto Insurance: Requirements & Rates for 2021

Some Panera Bread locations offer in-house delivery and provide their delivery drivers auto insurance. Other times you will be driving for DoorDash when delivering Panera Bread products. Depending on your location, you may need a commercial Panera Bread auto insurance policy to cover accidents. The average rate for a commercial policy is $237.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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  • There’s a lot of confusing information out there regarding Panera Bread auto insurance
  • You may need a commercial or business use policy when working as a Panera Bread delivery driver
  • In some locations, driving for Panera Bread means driving for DoorDash

While delivering food has become increasingly more popular, many people wonder, “Does Panera deliver, and if so how do I become a driver?” The answer isn’t a simple yes or no. This makes figuring out your Panera Bread auto insurance pretty difficult.

The appropriate policy means there is no need to hire an auto insurance lawyer to handle a messy claims process. Adding business use to your policy or picking up a commercial policy will ensure you have the right Panera Bread auto insurance in the case of an accident.

Commercial auto insurance policies cost more but provide peace of mind in the event of an accident. Finding an affordable Panera Bread auto insurance policy isn’t that hard. You need to look for great average rates and discounts before you buy Panera Bread auto insurance.

To quickly compare Panera Bread auto insurance quotes enter your ZIP code now.

Where do I start when searching for Panera Bread auto insurance?

Panera Bread offers delivery in select markets. Additionally, it appears as if they are doing away with in-house delivery and starting to partner with DoorDash. So, depending on where you live will depend on how you drive for Panera bread and the insurance options you will need.

To find out if you are driving directly for Panera Bread or you through DoorDash, you need to contact the franchise you plan on working for. They will be able to give you exact details on their delivery driving policy.

With that being said, there are very few Panera Bread locations that will provide you with a commercial auto insurance policy. The few that do will require you to have the Panera Bread logo displayed on your car to be covered.

Once all Panera Bread locations deliver through DoorDash, you won’t need to worry about buying a commercial or business use policy. DoorDash provides its drivers with a commercial policy.

You will still need to have a clean driving record and a personal auto insurance policy. It’s also important to note that the DoorDash policy only covers liability and not damage to your car, so you might still need additional coverage.

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What company offers affordable Panera Bread auto insurance?

Your Panera Bread auto insurance cost will vary depending on where you live and what discounts you qualify for. Bundling current policies and reviewing what discounts are available on commercial policies is a great way to start your search.

GEICO and Progressive are known for having competitive rates for commercial and business use policies. Comparing several companies will ensure you get the most affordable Panera Bread auto insurance rates.

Here is a sample of Progressive auto insurance rates for delivery drivers so you can get an idea of what you might be spending.

Progressive Panera Bread Delivery Driver Average Monthly Auto Insurance Rates by Policy
Type of Auto Insurance CoverageSample Monthly Rates from ProgressiveSample of Monthly Rate Increase (Compared to a Personal Policy Alone)
Personal Auto Insurance (No Delivery)$105.83N/A
Personal Auto Insurance (Delivery)No Coverage AvailableNo Coverage Available
Business + Personal Auto Insurance (Food Delivery)$296.83180.47%
Business Only Auto Insurance (Food Delivery)$273.08158.03%
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As you can see, Panera Bread auto insurance is going to cost you a bit more money than your personal policy. However, with wages and tips, you should still be in the black.

Buy Panera Bread auto insurance coverage that you can afford by entering your ZIP code now.

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