Waiter/Bartender/Host Car Insurance Rates

Waiter/bartender/host car insurance rates are $89.25/mo. Age, car value, and wage are all factors that typically result in lower waiter/bartender/host car insurance rates.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 18, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Waiters, bartenders, and hosts generally have lower car insurance rates
  • Their less expensive cars cost less to insure
  • College students and seniors are also given desirable rates

You might not know that among the occupational categories with the lowest car insurance rates, waiter/bartender/host jobs rank well within the top 20. They are 12th in fact, with an annual premium of approximately $1,071.25.

While waiters, bartenders, and hosts/hostesses aren’t number one on the list, being number 12 is not necessarily a bad thing. When you consider that there are several occupations with significantly higher car insurance rates, paying what these workers pay is not bad.

Waiters, bartenders, and hosts tend to be on the lower end of the earning scale, so having lower insurance rates is an economic boost to them.

When you’re making close to minimum wage, any extra help is beneficial.

If you’re looking for car insurance quotes, start your search by entering your ZIP code below!

Simple Economics

This next statement is a generalization, and there are many exceptions to the rule. Nonetheless, waiters, bartenders, and hosts are more likely to drive less expensive cars simply due to the economic realities of their jobs.

There aren’t many in these types of occupations pulling in money in triple digits. In fact, there aren’t many of them even making $50K per year. (Again, there are certainly many bartenders and servers who do rake in cash tips; however, the full amount doesn’t always get reported.)

Therefore, their less expensive vehicles also cost less to insure.

People employed in these types of jobs have a higher tendency to drive used cars or purchase a new car and drive it until its wheels fall off. As these cars get older, many people will no longer carry collision and comprehensive, fire and theft, or glass insurance.

By carrying only the minimum insurance required by state law, these types of workers can save significantly on their annual premiums.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

A Carefree Attitude

One of the things that a car insurance company will look at when determining rates is the attitude behind the wheel their customers are most likely to take. For waiters, bartenders, and hosts, it’s believed that they have a more carefree attitude than those with other occupations.

They have good customer service skills, or they wouldn’t have the jobs they have.

When you stop and think about it, it’s easy to see why these types of people are considered to be lower driving risks.

As individuals who tend to take things in stride, they are not likely to do things like a tailgate, purposely cut people off, drive recklessly, be overly aggressive, or seek to get even with others on the road.

If they approach their driving in the same way they approach their jobs, they may even go out of their way to be nice to other drivers. All of these things are a big plus to car insurance carriers.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

What hurts car insurance rates for these workers?

If you don’t fit into the carefree category above and have many speeding tickets, you won’t get the lower rates. Plus, anyone who has worked in the restaurant industry for any length of time knows that drinking is an occupational hazard.

When you wait tables until 1 AM, it’s not uncommon to join your fellow servers for drinks. If this lifestyle leads you to get a DUI conviction, then your car insurance rates will skyrocket, despite the low average rates for the industry.

Age and Outlook

Another thing to consider with waiters, bartenders, and hosts is the fact that a great many of them are younger individuals who are working on getting into another field. For example, we’ve all heard the story of the struggling actor working as a waiter/waitress in a Southern California hot spot.

The reality is that food service jobs are, by and large, considered to be “stepping stones” to a more professional career. Thus, a lot of these jobs are filled by students and other young people.

In fact, college students are also given desirable insurance rates for the most part. Car insurance companies consider college students to be more stable and reliable than their non-student counterparts, which is especially true if they are both working and going to school.

This assumption means that insurance companies also consider students a lower risk and will provide them with lower premiums.

At the other end of the scale, it’s becoming more and more common for retirees to take host or hostess positions. It’s work many enjoy doing because of its social nature, yet it’s also not so labor-intensive as to require them to work full-time.

Since seniors naturally have more years of experience behind the wheel, their insurance rates are already among the lowest in the country. If you combine the age of the retiree with the favorable occupation of the host or hostess, it’s easy to see why their insurance rates are what they are.

Find the best car insurance rates for those in your occupation by entering your ZIP code into our FREE search tool!


  1. https://www.theguardian.com/commentisfree/2013/sep/08/irs-tax-waiter-tips-automatic-gratuities
  2. https://www.thebalance.com/comprehensive-vs-collision-coverage-527402
  3. https://www.geico.com/claims/glass-claims-guide/
  4. https://www.tdi.texas.gov/auto/younginsure.html
  5. https://www.statefarm.com/insurance/auto/resources/young-driver-student-car-insurance
  6. https://www.huffingtonpost.com/jim-t-miller/auto-insurance-discounts_b_9659478.html

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption