Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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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. 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

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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The Short of It

  • Panera Bread only hires drivers carrying their own insurance policy
  • Your insurance company may deny your claim should you be in an accident while driving for Panera
  • Panera provides drivers with commercial auto insurance coverage while working

Does Panera deliver? Do I need my own insurance to drive for Panera Bread? If so, how much does Panera Bread auto insurance cost?

Not only will we answer those questions in detail, but we’ll also tell you the best and cheapest way to get the auto insurance coverage you need.

Before diving into Panera Bread auto insurance, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable delivery driver insurance quotes in your area.

What are the minimum requirements for Panera Bread auto insurance?

Before Panera Bread signs you on, they’ll need to see that you have your own registered vehicle and an active personal auto insurance policy.

Unlike many delivery jobs, driving for Panera Bread will entitle you to commercial coverage. However, this coverage is strictly on-the-job. This means that the coverage is active while delivering orders.

Panera car accident insurance will only apply when you’re on delivery, and you will still need a personal policy to cover you the rest of the time you are in the car.

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Do I need more commercial coverage?

With Panera, it’s tricky. What we recommend is being honest with your insurer about your new job. Inform them that Panera provides a certain amount of coverage while on the job.

If you are like many people and also drive for a service like GrubHub, your provider will probably tell you to get your own commercial coverage.

According to the US National Library of Medicine National Institutes of Health, delivery drivers have a particularly high accident rate. To stay protected, you’ll need your state’s minimum liability and extra commercial coverage should you have more than one delivery job.

How much is commercial Panera Bread auto insurance?

To wrap up, let’s take a look at the average rates for commercial auto insurance in the United States by vehicle type.

Commercial Auto Insurance Average Annual Rates
Vehicle TypeMinimum Average Annual Rates for Commercial Auto InsuranceMaximum Average Annual Rates for Commercial Auto Insurance
Semi$8,000 $12,500
Cargo/Delivery Van$3,300 $6,200
Limo$4,000 $6,000
Cab$5,000 $10,000
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Many delivery drivers use a standard four-door sedan. Does this apply to you? If so, it’s good news. Driving a car will result in cheaper Panera Bread auto insurance quotes than a semi or a van.

In conclusion, even if Panera does cover you while delivering, inform your insurer of your status as a delivery driver to make sure you’re covered at all times.

Now you should know all you need to buy Panera Bread auto insurance. Type your ZIP code into our free and helpful tool below to compare insurance rates before you buy Panera Bread car insurance.