Jimmy John’s Auto Insurance for 2021

You won't be able to get Jimmy John's auto insurance from the restaurant chain, as Jimmy John's doesn't insure its delivery drivers. However, you're required to provide proof of insurance as a part of applying to be a Jimmy John's delivery driver. You'll need both personal and commercial Jimmy John's car insurance coverage to be protected while delivering for the company. This can get expensive, but you can save by comparing Jimmy John's auto insurance quotes from multiple companies.

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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: Aug 26, 2021

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

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

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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What You Should Know

  • Typically, Jimmy John’s delivery drivers use their own vehicles to deliver
  • Jimmy John’s only requires delivery drivers to carry enough auto insurance coverage to drive legally in the state where they’re employed
  • Even though the company does not require it, drivers will need commercial Jimmy John’s auto insurance coverage in addition to a personal policy to be protected

Thinking about becoming a delivery driver for Jimmy John’s? You’ll need to be prepared to provide valid proof of auto insurance coverage to apply. With this in mind, you probably have some questions.

What kind of insurance do you need? What is the best Jimmy John’s auto insurance company? What are average Jimmy John’s auto insurance rates? Where can you find Jimmy John’s auto insurance reviews? How and where can you get a Jimmy John’s auto insurance quote?

Understanding auto insurance requirements and coverages for delivery drivers is the best way to start, and you’ve come to the right place. Read this article for answers to your Jimmy John’s car insurance questions.

Before we get started on this Jimmy John’s auto insurance overview, take a moment to use your ZIP code in the tool on this page to get a free quote for delivery driver car insurance right now.

What kind of auto insurance do Jimmy John’s delivery drivers need?

Jimmy John’s does not insure its delivery drivers, though you will have to provide proof of valid insurance coverage to apply. To meet this stipulation, you’ll only need personal coverage of at least the minimum liability amount set in your state.

So if you have enough coverage to drive legally in your state, you’re probably wondering, “Do I need special insurance to be a delivery driver?

While it’s not required by Jimmy John’s, you will need coverage beyond your personal policy. Without it, if you file a claim as a delivery driver, it may be denied.

Most personal policies don’t cover the business use of your vehicle. To be protected while you’re delivering for Jimmy John’s, you’ll also need commercial auto insurance coverage.

So how much will commercial coverage cost you, and where can you buy Jimmy John’s auto insurance? Keep reading to find out.

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Where can you get Jimmy John’s delivery driver auto insurance, and how much does it cost?

Several factors can affect your rates, including your age and driving history. And if you’re wondering about whether restaurant location matters for your rates, the answer is yes, because where you live can significantly impact how much you pay for car insurance.

Keeping in mind that your specific rates will be affected by the factors we noted (among others), you’ll see an average increase of $150 per month in your rates with a commercial auto insurance policy.

We know this can be cost-prohibitive, but don’t worry, there are more affordable Jimmy John’s auto insurance options and ways to save. One way to obtain cheaper coverage is to ask about a delivery driver add-on.

Depending on where you live and your insurer, delivery driver add-ons can provide enough coverage to protect you while you’re delivering for Jimmy John’s without having to buy a full commercial policy. Companies that offer this coverage include:

  • Crump Property & Casualty
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

Regardless of the coverage type and mix you choose, the best way to save on your rates is to comparison shop. You should compare at least three Jimmy John’s auto insurance quotes to make sure you’re getting the right coverage for your needs at the best price.

So do you really need all this extra coverage? The short answer is yes because, according to Crosley Law, as a delivery driver, you’re significantly more likely to end up in an accident or the victim of a vehicle fatality than drivers in nearly any other occupation.

You can’t control the future, but you can be prepared.

Jimmy John’s Auto Insurance: The Bottom Line

Jimmy John’s requires delivery drivers to provide valid proof of auto insurance but doesn’t insure its drivers, so you’ll need to buy your own coverage.

While personal coverage will meet Jimmy John’s requirements, it won’t protect you when you’re out on delivery, so you’ll also need commercial coverage or a delivery driver add-on.

Now that you know more about Jimmy John’s auto insurance, use your ZIP code in our rate comparison tool to get a free quote and start shopping today.

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