Jimmy John’s Auto Insurance (2024)
When it comes to Jimmy John's auto insurance, drivers must be sure to get their own coverage. A driver will need a commercial policy that covers their vehicle while they are using it for work. Jimmy John's auto insurance is not offered by the company. You will be paying around $273.08 per month for commercial auto insurance but shop around to find the best Jimmy John's auto insurance quotes.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
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.
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- Jimmy John’s does not provide its drivers with auto insurance
- Your insurance company most likely will not cover an accident while on the job if you have only a personal policy
- Get behind the wheel only once you have met or exceeded your state’s minimum auto insurance coverage levels
Are Jimmy John’s drivers covered by auto insurance? Unfortunately, there is no set Jimmy John’s auto insurance nor do they provide drivers with coverage. So, what do you need?
We will cover not only what type of auto insurance coverage you need, but if you can buy Jimmy John’s auto insurance.
Prior to diving into Jimmy John’s auto insurance review, type your ZIP code into our free and helpful tool above. With it, you will be able to find the cheapest auto insurance companies in your area.
Minimum Requirements for Jimmy John Auto Insurance
Because Jimmy John’s doesn’t cover its drivers and you can’t find specific Jimmy John’s auto insurance rates, will you need to procure your own coverage?
You must make sure that you have at least the minimum when it comes to liability coverage. Otherwise, there will be substantial out-of-pocket payments.
Now, let’s move on to what car accident insurance you need to be a delivery driver.
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Do I need commercial coverage as my Jimmy John auto insurance?
Jimmy John’s does not have any specialized requirements when it comes to the coverage their drivers carry.
With that being said, your insurance company will almost certainly require you to hold commercial coverage as a delivery driver.
If you use your personal vehicle to deliver Jimmy John’s, your insurance company will see that as using your vehicle for business. Thusly, you will need commercial auto insurance.
According to the U.S. National Library of Medicine National Institutes of Health, delivery drivers have a high accident rate.
So, not only will you need minimum liability and commercial, you may want to exceed the minimum.
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How much is commercial auto insurance?
Finally, let’s take a look at the average rates for commercial auto insurance in the United States by vehicle type.
Commercial Auto Insurance Average Annual Rates| Vehicle Type | Minimum Average Annual Rates for Commercial Auto Insurance | Maximum Average Annual Rates for Commercial Auto Insurance |
|---|---|---|
| Car | $600 | $2,400 |
| Semi | $8,000 | $12,500 |
| Cargo/Delivery Van | $3,300 | $6,200 |
| Limo | $4,000 | $6,000 |
| Cab | $5,000 | $10,000 |
Many delivery drivers use a standard four-door sedan. Does this apply to you? If so, it’s good news. This is because driving a car will result in cheaper auto insurance rates than a semi or a van.
In conclusion, just be honest with your insurer about your status as a delivery driver and they will lay out options for you.
Now that you’ve finished this Jimmy John’s auto insurance review, type your ZIP code into our free and helpful tool below to find affordable auto insurance quotes in your area.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
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.