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.

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Written by Marissa Hayes
Insurance Writer & Expert Marissa Hayes

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Short of It

  • 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 TypeMinimum Average Annual Rates for Commercial Auto InsuranceMaximum Average Annual Rates for Commercial Auto Insurance
Semi$8,000 $12,500
Cargo/Delivery Van$3,300 $6,200
Limo$4,000 $6,000
Cab$5,000 $10,000
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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.