Panera Bread Auto Insurance: Rates & Requirements (2021)

Does Panera Bread provide delivery driver auto insurance? Fortunately, Panera Bread auto insurance exists -- they provide commercial delivery driver auto insurance, but the coverage limits are not known. You are still required to have your own vehicle and a personal auto insurance policy to drive for Panera Bread. If you are going to search for you own policy, compare auto insurance rates before you choose an auto insurance company for you.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 30, 2021

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Can't-Miss Facts

  • You are required to have a personal auto insurance policy to drive for Panera Bread.
  • Your auto insurance company may deny your claim if you are in an accident while delivering for Panera Bread.
  • Panera provides on-the-job commercial auto insurance coverage that applies while you are delivering.

For years, Panera Bread has served up tasty sandwiches, soups, and salads to happy customers around the country.

In 2016, Panera Bread started delivering food directly to customers. Now you can enjoy broccoli cheddar soup delivered straight to your door instead of having to wait in long lines during those hectic lunch rushes.

Naturally, as Panera Bread started their delivery program, they needed to hire drivers to deliver their meals to customers. But does Panera Bread provide delivery driver auto insurance? We'll be answering this question and more below, but first, enter your ZIP code into our free comparison tool to compare auto insurance quotes in your area today.

Does Panera Bread provide delivery driver auto insurance?

To drive for Panera Bread, you must provide your own registered vehicle and have an existing personal auto insurance policy. You must also be at least 18 years of age and have a motor vehicle record in good standing. But the biggest question on everyone's mind is, Does Panera Bread provide delivery driver auto insurance?

Fortunately, the answer is yes. Panera Bread does provide on-the-job commercial auto insurance coverage while you are delivering orders. This means you will not have to purchase additional delivery driver auto insurance on your personal policy when driving for Panera Bread.

Keep in mind Panera Bread will charge delivery drivers a "company vehicle" tax on their paychecks even though you are using your own vehicle. The size of this tax is not known.

While the coverage limits are not available, knowing that Panera Bread provides commercial delivery driver auto insurance is a huge relief for those not wanting to pay higher premiums for delivery driver auto insurance on their personal policies. It is also a huge stress reliever to know you are covered if you get into an accident while driving for Panera Bread.

However, if you work for Uber Eats, DoorDash, Grubhub, or another food delivery service, you will have to check with those companies to make sure you are covered when delivering food orders. Look into buying business vehicle insurance to make sure you are covered when using your vehicle for business purposes.

For those who lease a car, you will have to check with the dealership to make sure you can use the car for deliveries. Some dealerships will stipulate that you cannot use the vehicle for ridesharing or delivery services, so always make sure to double check.

Ready to buy auto insurance? Now that you know Panera Bread provides commercial delivery driver auto insurance, enter your ZIP code into our free comparison tool below to find affordable auto insurance quotes from insurance providers in your area.

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