Auto Insurance for Waiters, Bartenders, and Hosts (Rates & Discounts)

Companies like GEICO consider jobs like being a waiter, bartender, or host higher risk than other occupations. As a result, waiter, bartender, and host auto insurance rates are often higher than for lower-risk jobs. The average GEICO monthly waiter, bartender, or host auto insurance rate is $165/mo, while lower-risk jobs average $105/mo. If you’re a mobile bartender, you’ll need liquor and general liability insurance and commercial auto insurance at a minimum.

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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 21, 2021

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What You Should Know

  • Waiter, bartender, and host, auto insurance rates, may be higher than for other jobs because companies like GEICO consider these occupations high risk
  • Comparing auto insurance rates and asking for discounts are two ways to save on insurance for higher-risk occupations like waiters, bartenders, and hosts
  • If you have a mobile bartending company, you’ll need liquor liability insurance in addition to personal and commercial auto insurance and a general business liability policy

If you work as a waiter, bartender, or host, you may be wondering if there’s anything specific you need to know about waiter, bartender, or host auto insurance. How much does it cost? What kind of coverage do you need? What affects your car insurance rates?

Understanding auto insurance is an important piece of getting the right coverage at the right price, including a basic car insurance policy for employees in the service industry. Read this article to find out what you need to know.

If you’re ready to start shopping for affordable waiter, bartender, or host auto insurance, use your ZIP code in the free tool on this page to compare waiter, bartender, or host auto insurance quotes today.

What is waiter, bartender, or host auto insurance, and why is it important?

If you work as a waiter, bartender, or host, you’ll likely only need your personal car insurance policy. However, mobile bartenders need additional coverage. If you use your personal vehicle for business reasons, you’ll need commercial coverage because your personal policy won’t be enough.

You’ll also need general liability insurance for businesses, which covers you if anything happens to someone or something due to your business. It usually includes coverage for both injury and property damage.

Because you’re serving alcohol, you’ll need to purchase a liquor liability insurance policy. That way, you’re covered if damage or injury occurs due to someone who has consumed alcohol.

A couple of tips to reduce the chances of a liquor-related lawsuit include following safe alcohol service practices and not overserving your customers (both are important as they are also standard industry laws). This also protects you if your business permits “bring your own bottle” sales.

Since bartenders and similar occupations don’t make much money (median pay is $24,960 per year according to the Bureau of Labor Statistics), you’re probably wondering how much all this insurance coverage is going to cost you.

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How much does waiter, bartender, or host auto insurance cost?

We don’t have rates for the business, commercial, and liquor liability insurance policies. However, we can talk about car insurance rates for bartenders, waiters, and hosts.

Companies like GEICO consider occupation as a factor when determining driver risk. And waiters, bartenders, and hosts are all considered higher-risk jobs, meaning insurance rates may be higher than those considered lower risk.

This table compares waiter, bartender, and host auto insurance rates from GEICO to rates for lower-risk occupations.

GEICO Average Auto Insurance Rates by Occupation Risk Level
OccupationPerceived Occupation Risk LevelAverage Monthly Auto Insurance RateAverage Annual Auto Insurance Rate
Waiter/Bartender/HostHigh 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 these average rates indicate, higher-risk jobs like the three we’re discussing today can mean higher insurance rates than those with lower-risk jobs.

Waiter, Bartender, and Host Auto Insurance: The Bottom Line

Even though waiter, bartender, and host auto insurance rates can be more expensive than car insurance rates for other occupations, there are still ways you can save.

The first place to start is by comparing auto insurance rates. You can also ask about discounts like a good driver discount, for example.

If you’re ready to buy waiter, bartender, or host auto insurance, use your ZIP code in our free tool to start comparing waiter, bartender, or host auto insurance rates.

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