Jimmy John’s Auto Insurance (2026)
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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Insurance Writer & Expert
Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.
Marissa Hayes
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated February 2025
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.
- 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
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.
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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