Jimmy John’s Car Insurance: Discounts, Rates, & Requirements (2021)

Jimmy John's doesn't sell specific Jimmy John's car insurance or insure its drivers. There are no Jimmy John's auto insurance requirements, other than expecting drivers to provide proof of insurance that meets state minimums. Personal car insurance won't be enough; you'll need a commercial Jimmy John's car insurance policy for coverage when you're out on delivery. You can save on insurance coverage by comparing Jimmy John's auto insurance quotes from multiple companies.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 7, 2021

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Here's what you need to know...

  • In most cases, you’ll use your personal vehicle as a Jimmy John’s delivery driver
  • There are no specific Jimmy John’s car insurance requirements for delivery drivers, other than minimum liability coverage to drive legally
  • Your personal policy won’t be enough when you’re working as a delivery driver; you’ll also need commercial coverage

Delivery drivers need car insurance to drive legally, and Jimmy John’s delivery drivers are no exception. But what kind of insurance do you need? Does Jimmy John’s insure its drivers? Or do you need to buy Jimmy John’s car insurance? How much are average Jimmy John’s car insurance rates?

Jimmy John’s doesn’t sell car insurance, so you won’t find Jimmy John’s auto insurance reviews. You’ve come to the right place for the information you need on Jimmy John’s auto insurance, whether liability auto insurance coverage is enough, requirements, and more.

Ready to buy insurance as a Jimmy John’s delivery driver? Use your ZIP code in the free tool on this page to get started comparing rates today.

What kind of car insurance do you need as a Jimmy John’s delivery driver?

Jimmy John’s doesn’t have any car insurance specifications for delivery drivers except minimum car insurance coverage. The restaurant location you deliver for could affect these coverage requirements and rates because different states have different minimum liability coverage limits. You’ll need to check your state laws to make sure you comply.

Given this, will that personal car insurance cover a vehicle used for food delivery? The short answer is no. And if you only have personal coverage, a claim you file for an incident that occurs while you’re operating your vehicle as a delivery driver could be denied.

So while Jimmy John’s doesn’t have a commercial car insurance requirement for delivery drivers, you’ll need commercial coverage to be financially protected when you’re out on delivery.

Crosley Law reports that delivery drivers face unusually high accident and vehicle fatality rates compared to other occupations, so making sure you have the right car insurance coverage is vital.

Read on for more on where you can buy delivery driver insurance and how to get a Jimmy John’s auto insurance quote.

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Where can you get Jimmy John’s delivery driver car insurance?

You’ll be able to buy commercial car insurance coverage from nearly every major car insurance provider, but this can cost you. On average, your rates will increase by $150 per month.

A more affordable Jimmy John’s car insurance option than a traditional commercial policy is a delivery driver add-on, which you may be able to purchase from your car insurance company. Insurers that sell this option include:

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

You should also compare Jimmy John’s car insurance quotes from at least three companies to make sure you’re getting the best price for your coverage.

Jimmy John’s Car Insurance: The Bottom Line

Jimmy John’s doesn’t sell car insurance to delivery drivers, and drivers are expected to purchase their own insurance coverage. However, your personal car insurance coverage won’t be enough; you’ll also need commercial coverage for delivery drivers or a delivery driver add-on.

Before you go, why not use your ZIP code in our free tool to start comparing car insurance rates for Jimmy John’s delivery drivers right now.

Free Car Insurance Comparison

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

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