Auto Insurance for Chefs and Bakers (Rates & Discounts)

As a chef or baker, you’ll need car insurance, but chef and baker auto insurance rates are often higher than rates for drivers with other jobs. Chef and baker car insurance rates average $165/mo, compared to $105/mo for drivers with lower-risk operations. If you’re a personal chef, you’ll need more than basic car insurance. You’ll need personal chef insurance that includes professional and general liability.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 26, 2021

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What You Should Know

  • Being a chef or baker is considered high risk by car insurance companies, so you may have higher auto insurance rates than drivers of other occupations
  • In addition to personal car insurance, you may need commercial or business coverage that includes general liability if you’re a personal chef or own a bakery
  • Two ways you can save on your chef and baker car insurance are by shopping around and asking about discounts

As a chef or baker, you need to know how to find the best auto insurance for your needs. How much does car insurance cost for chefs and bakers? Do you need personal chef insurance?

Understanding auto insurance and the insurance you need as a business owner can help you get the best coverage for your needs. Read this article to find out more.

If you’re ready to find affordable chef and baker auto insurance, all you need to do is enter your ZIP code in our free tool to start comparing chef and baker auto insurance rates today.

What is chef and baker auto insurance, and why is it important?

To legally drive in most states across the country, you’ll need a personal car insurance policy that at least meets the minimum liability coverage levels set in your state.

However, if you use your vehicle for business reasons as a chef or baker, your personal policy won’t be enough. You’ll also need a commercial auto insurance policy.

If you’re a private chef or own a bakery, you’ll also need coverage to protect your business, property, and business operations. So what kind of coverage do you need as a baker or personal chef?

You’ll need a general liability policy, which will protect you if something happens to a client.

Personal liabilities examples include medical expenses if someone is injured and property damage that results from something related to your business.

A commercial property insurance policy will protect equipment owned by your business, and business income insurance will cover you if you’re unable to work because of property damage.

When you own a business as a baker or personal chef, this insurance package is often referred to as culinary insurance.

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How much does chef and baker auto insurance cost?

We don’t have average rates for any of the business coverage you’ll need as a small business owner, but we can give you an idea of what you might pay for personal auto insurance rates as a baker or chef.

Car insurance companies like GEICO use occupation as an indicator of risk when assessing insureds. As a baker or chef, you work in a job that is considered higher risk from the perspective of car insurance, which means higher rates. Take a look at this table to see what we mean.

GEICO Average Auto Insurance Rates by Occupation Risk Level
OccupationPerceived Occupation Risk LevelAverage Monthly Auto Insurance RateAverage Annual Auto Insurance Rate
Chef/BakerHigh Risk$165.00$1,984.00
HomemakerLow Risk$67.50$815.00
ProfessorLow Risk$71.68$860.20
Military Officer (Air Force O1)Low Risk$139.47$1,673.60
PsychiatristLow Risk$145.25$1,743.00
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As you can see, rates for bakers and chefs are higher than for lower-risk occupations.

To determine your personal average rate, bear in mind that your car, including maintenance and insurance, shouldn’t cost more than 10% of your annual income. The Bureau of Labor Statistics reports that chefs make an average of $53,380 per year, while bakers make an average of $29,400.

Saving on your car insurance rates, regardless of your annual salary, is important. Two ways to do this include shopping around for coverage and asking about discounts.

Chef and Baker Auto Insurance: The Bottom Line

While you’re probably going to pay higher insurance rates as a chef or baker than if you worked in a lower-risk occupation, there are ways you can save.

You should compare rates from at least three auto insurance companies to make sure you’re getting the best bang for your buck. And you can also ask about discounts like the good driver discount and others.

When you’re ready to buy chef and baker auto insurance, take a minute to enter your ZIP code in our free tool to compare chef and baker auto insurance quotes.

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