Auto Insurance for Waiters, Bartenders, and Hosts

Auto insurance for waiters, bartenders, and hosts means understanding your needs. There are no discounts on auto insurance for service industry workers, but affinity discounts might be available if you work for a large company. Average rates for a $6,000 mile commute are $250/month, but you could pay less on car insurance for waiters, bartenders, and hosts if you have a good driving record.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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A Concise Overview

  • In the U.S., most food service workers get paid a base hourly wage plus tips.
  • On average, service industry employees drive less expensive vehicles, which can help lower auto insurance rates.
  • If you’re a delivery driver, it’s important to make sure you have all the coverage you need.

If you work in the service industry, you may have to drive several miles every day to get to and from work. It’s important to find the right auto insurance policy to cover any potential accidents or wear-and-tear to your vehicle.

Auto insurance for waiters, bartenders, and hosts can be easy to find when you know what you’re looking for; however, determining your needs may be a challenge in itself. In this helpful guide, we’ll go over some basic information about auto insurance policies and what factors can affect your rates.

Before learning more about auto insurance for waiters, bartenders, and hosts, easily determine the insurance rates you should be paying with our car insurance calculator, then compare insurance rates using our helpful tool.

Getting a Basic Auto Insurance Policy in the Service Industry

No matter what occupation you’re in, having a good auto insurance policy is important. Most states have a minimum basic insurance requirement, which will usually help cover medical payments, property damage, and damages caused by an uninsured driver.

Most basic policies will also include comprehensive and collision coverage, both of which require you to pay a deductible after making a claim.

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What Affects Your Auto Insurance Rates

While there are many cheap auto insurance options out there, it’s critical to make sure all your needs are covered. That being said, there are several factors that can greatly affect how much you pay.

This short video from Allstate will give you an idea of what insurers look at when determining auto insurance rates.

Now that you’ve got the basics, read on for more information about how these factors affect your rates.


Does a service industry job affect auto insurance rates?

Generally, working in the service industry doesn’t affect your car insurance cost. This may differ if you drive as a part of your job, such as to pick up restaurant supplies.

Although there are no specific discounts on car insurance for waiters, bartenders, and hosts, you may ask if there is any sort of affinity discount with your company, especially if you work for a large chain restaurant.

The Vehicle You Drive

Generally speaking, service industry employees drive less expensive vehicles, which usually come with lower auto insurance rates than more expensive vehicles. Vehicles that have more expensive and harder-to-find parts will, of course, cost more in repairs than cheaper vehicles.

If you’re looking to buy a new vehicle, you can easily consult your auto insurance company about the rates you’ll pay based on the vehicle you choose. For the most part, older vehicles will yield much lower auto insurance rates than brand new ones.

Another big determining factor for auto insurance rates is your age and gender, which is covered in the section below.

Your Age and Gender

When you’re shopping for car insurance, you’ll want to keep in mind the average car insurance rates by age. People of many different age groups work service industry jobs, and your age can greatly affect your auto insurance rates. For the most part, teenage drivers pay the most for auto insurance, with rates beginning to lower when you turn 20, according to the Insurance Information Institute.

Rates will usually get progressively lower as you get older, provided you maintain a good driving record.

Your gender is another factor that many auto insurance companies consider when determining your rates. Males usually pay more in insurance rates, as they are statistically more likely to be in an automobile accident.

Drivers between the ages of 30 and 65 usually have the lowest rates, though many other factors can influence rates, including your driving record, your credit, and more.

Other Determining Factors

Your auto insurance company takes plenty into consideration when determining your auto insurance rates. For example, those with a good credit score will likely pay less in insurance rates, no matter what company they’re insured with.

The area in which you live also helps determine your insurance rates. Those living in larger areas with more potential for car accidents, theft, etc., will have higher insurance rates.

Additionally, there is cheaper auto insurance for commuters. So, if you’re a delivery driver, it’s important to make sure you have all the coverage you need. This can be done by simply contacting your insurance company and explaining your job situation. Insurance rates based on commute distance can be found in the chart below.

Average Annual Auto Insurance Rates by Commute Length and Annual Miles Driven
CompaniesAveage Annual Rates for
10 Miles Commute
6,000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12,000 Annual Mileage
State Farm$3,175.98$3,344.01
American Family$3,401.30$3,484.88
Liberty Mutual$5,995.27$6,151.63
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Via the chart, you can see that there are major differences between rates based on commute time.

Be Aware of Service Industry Laws

Affording even a basic policy can be a great financial strain for some, which is why it’s important to know your rights as a service industry employee.

So, first off, how do servers get paid? In the United States at least, most servers get a base hourly payment in addition to tips. If you’re working for tips, be sure to read up on server tip out laws, which says that restaurant owners can require their servers to “pool” their tips and share them with other employees.

Many of those working in the service industry are working as delivery drivers. You may be wondering, are delivery drivers considered tipped employees? All employees who receive tips as part of their wages are usually considered tipped employees.

Some states have other laws involving tipping. For example, the Florida gratuity law of 2019 says that tips made by employees can go towards their hourly wage as a credit. In Florida, with the gratuity credit being $3.02 and minimum wage being $8.44, employers are allowed to pay their employees $5.54 per hour.

Staying on the subject of payment, can an employer withhold tips? Can employers force you to claim tips? The answer to both is “no.” Additionally, in the United States, tipped employees doing non-tipped work will have to be paid at least minimum wage per hour.

So, what percentage of tips is a waitress required to report to the IRS? The answer is 100 percent.

Now that you know more about auto insurance for waiters, bartenders, and hosts, easily compare car insurance rates by using our FREE tool below.



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