Car Insurance Rates for Chefs and Bakers

Chef and baker car insurance rates are $92.92/mo. Frequent driving and inconsistent work hours cause chef and baker car insurance rates to be higher than average car insurance rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 18, 2021

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Here's what you need to know...

  • Chefs and bakers pay an average of $1,115 annually for car insurance
  • Because these individuals have atypical work hours and drive often, their car insurance rates are higher than the universal average
  • Though your occupation influences your rates, you should never consider changing jobs just to see a slight decrease in your insurance premium


If you are passionate about creatively baking or cooking, becoming a chef or baker may just be the job for you. No matter what job you have, your occupation will affect your car insurance rates.

Currently, chefs and bakers pay an average of $1,114.89 per year for car insurance premiums.

You should always compare car insurance rates to find your best deal. Enter your ZIP code into the FREE tool above to receive car insurance rates from top companies in your area!

Are there any chef/baker income opportunities?

You may be passionate about baking or creating unique meals, but you probably want to know what income opportunities are available for those who seek a job in this field.

Becoming a chef or baker is a job with a lot of diversity, and the income level has just as much diversity.

Becoming head chef or head baker pays well, but it is a long process to acquire such a position.

You have to put in time as a kitchen worker, prep cook, and assistant chef before you have the opportunity to become a head chef. Even with training, a culinary degree, or a college degree, you have to work yourself up through the ranks.

There is a lot of diversity in this industry. As a chef, you can work in a restaurant, a hotel, a hospital, a corporation, or an assisted living facility.

You can also become a personal chef working for an individual or traveling to different homes to cook or bake for special occasions.

Another income opportunities for chefs and bakers is cake baking and decorating.

This field has exploded in the last five years, with more and more people wanting to set aside the traditional and have a cake that is unique to their personality, taste, and experience.

People are willing to pay top dollar for a one-of-a-kind cake.

Owning your own restaurant, pastry shop, or bakery is the best way to ensure a steady income.

However, it takes a lot of money to start one of these businesses, and a faithful following of customers is important. Gaining experience working in one of these businesses before starting your own business is a great way to get started.

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What does chef/baker training look like?

Becoming a chef or baker can be realized in a variety of ways. Many chefs are self-taught and become chefs by working their way up the ranks in a particular restaurant or corporation. Being self-taught or having skills based solely on experience is great, but some businesses will not hire you without official training.

There are several culinary institutes throughout the states that focus on the training and techniques needed to become a chef or baker. Most culinary institutes are one to two-year programs. During study, your tasks will include the following:

  • learn the basics of cooking and baking techniques
  • discover how to use a variety of cooking methods
  • choose a specific course of study for your final semesters

There are also four-year college degrees that focus on the food industry. This type of degree covers not only the technical side of cooking and baking but also the business side. It will give you knowledge in how to start a business in the food industry along with how to market yourself and your business.

Are there any specific car insurance rates for a chef/baker?

It may seem odd, but it is necessary for the insurance industry to consider occupations when determining car insurance rates, as your occupation typically dictates when and how an individual drives.

If you change occupations, be sure to let your car insurance company know as it may affect your rates.

Chef’s and baker’s auto insurance rates fall into the high-middle range due to the hours kept. Restaurants and other establishments are in full swing in the evening which means driving during late night. At the very best, work times vary from week to week.

Also, pastry chefs and bakers often travel to weddings, parties, receptions, and other special occasions in the evening to deliver items and set-up products. Baker International is one insurance provider you may consider if your job requires baker moving insurance.

Moving insurance, whether you need full-value coverage or are seeking minimum coverage, is something you will need to ensure the protection of your products while you are transporting them. It doesn’t matter if they are event items or expensive items. If they sustain physical damage that returns them in a state beyond their pre-move condition, you will want the peace of mind knowing that you have additional insurance protection. You should absolutely not consider it to be optional insurance, even if you do not consistently carry high-value items.

Because accident rates are higher during these hours and the work hours are not consistent, insurance rates are higher. It may seem like an extra charge to think about if you are undecided about pursuing one of these occupations as a career, but it is hardly any additional cost if you love what you do. Even though this won’t apply to all chefs and bakers, the types of insurance rates are based on industry averages.

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