Panera Bread Car Insurance: What to Know & How to Save (2021)

Panera does deliver, but Panera Bread car insurance is not available directly from the company. The company exclusively uses third-party delivery services like GrubHub and DoorDash. Third-party services don't insure drivers, but you'll need to provide proof of valid insurance. You'll also need commercial coverage. You can save on Panera Bread auto insurance costs by comparing quotes from multiple companies.

Are you looking for free insurance quotes?

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Dec 14, 2021

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The Highlights

  • Panera Bread does not offer in-house delivery; instead, the company partners with DoorDash, GrubHub, and UberEats to have its food delivered to customers
  • Panera Bread car insurance is not offered through the company, nor do the third-party delivery services insure drivers
  • To have the right protection, you’ll need to buy personal insurance coverage to legally drive and commercial coverage to be protected while out on delivery

Does Panera deliver? Yes, but if you’re a Panera driver, you need to know the delivery driver insurance requirements and how much Panera bread auto insurance costs.

One way to save is to compare car insurance quotes from multiple companies online.

Does Panera offer insurance to delivery drivers? Where can you get Panera Bread car insurance quotes? Who is responsible for paying if you’re in an accident while delivering for Panera?

You’re in luck. We’ve got all the information you need on Panera Bread car insurance. Keep reading our guide to find the answers to your questions.

Before reading this Panera Bread car insurance overview, are you ready to start shopping? Get your first free quote by entering your ZIP code above in our free comparison tool.

What kind of car insurance do you need as a Panera Bread delivery driver?

Panera Bread does not currently employ delivery drivers. Instead, the company has delivery contracts with GrubHub, DoorDash, and UberEats.

A personal auto insurance policy that at least meets the minimum liability limits set in your state is required for you to drive legally, and delivery companies like DoorDash will require valid proof of this insurance.

However, this won’t be enough to protect you when you’re out on delivery because most personal insurance policies don’t apply when using your vehicle for business purposes. Some policies actively exclude this.

To be protected while you’re delivering for Panera Bread, you’ll need commercial auto insurance business coverage.

Where can you buy Panera Bread car insurance, and how can you ensure you’re getting the best deal? Keep reading to find out.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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Where can you buy Panera Bread delivery driver car insurance?

While there isn’t a specific Panera Bread car insurance company, you should be able to purchase commercial auto insurance coverage from your existing insurer.

All you need to do is reach out to your insurance company and ask about adding commercial coverage to your personal car insurance policy.

However, commercial coverage will cost you. Expect to pay an additional $150 per month with a commercial policy.

So how can you save? One option for more affordable Panera Bread auto insurance quotes is to ask about a delivery driver add-on. Not all companies offer this option, but some examples of those that do include:

  • Crump Property & Casualty
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

Another way to save is to compare Panera Bread car insurance rates from multiple companies to make sure you’re getting the best bang for your buck.

Panera Bread Car Insurance: The Bottom Line

Panera Bread no longer employs in-house delivery drivers; instead, it works with GrubHub, DoorDash, and UberEats to deliver food to its customers.

As a third-party delivery service driver, you’ll need both personal and commercial auto insurance coverage to legally drive and be protected while out on delivery.

If you’re ready to shop for delivery driver commercial coverage, enter your ZIP code below to compare free car insurance quotes from companies in your area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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