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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: May 12, 2020

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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!

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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Chef/Baker Training

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, you will:

  • 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.

Chef/Baker Car Insurance Rates

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 and set-up products.

Because accident rates are higher during these hours and the work hours are not consistent, insurance rates are higher. Even though this won’t apply to all chefs and bakers, rates are based on industry averages.

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