Jimmy John’s Auto Insurance

While most personal policies don't cover deliveries, commercial coverage will fit the bill for Jimmy John's auto insurance. Companies such as State Farm and GEICO offer delivery driver policies.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • Personal car insurance policies don’t cover deliveries – delivery drivers need commercial car insurance
  • Commercial car insurance costs substantially more than personal, but it protects delivery drivers from expensive accidents
  • Some insurance companies work with delivery drivers to lower premiums

Just because Jimmy John’s drivers go fast doesn’t mean their car insurance has to be expensive. For drivers at Jimmy John’s, auto insurance might sound complicated, but it’s important to have the details before driving for a delivery company. 

There can be many unknowns for delivery drivers when it comes to getting the coverage they need. Does their personal insurance cover them while they work? If they get in an accident, will their employer cover it?

Understanding how food delivery driver insurance works is the first step to finding the right coverage. You need to do more than just compare car insurance, though. Any delivery driver with a personal auto insurance policy is going to need to look into what kind of coverage they’ll need while on the job. Not every delivery company is going to immediately offer protection to drivers. Delivery services can be dangerous, which means research should include high-risk coverage, or commercial coverage.

Finding the best Jimmy John’s auto insurance company will help you save and keep you safe. Get more information and start looking at quotes by entering your ZIP code.

Will my policy cover me as a delivery driver for Jimmy John’s?

The first step to getting Jimmy John’s food delivery driver insurance is to check the policy you already have. Each company handles commercial uses of vehicles differently. As mentioned above, some companies flat out do not cover delivery drivers during their work hours. Others do, but only in certain situations.

If you already have insurance, call your company to check. Sometimes personal coverage won’t protect you while if you’re using your personal vehicle for business purposes. If you’re told your personal insurance policy isn’t enough, you can ask what type of coverage will be required to protect you while you’re on the job. 

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Does Jimmy Johns’ offer car insurance?

Sometimes, delivery drivers are covered by their employers while they’re working. Some companies get non-owner’s insurance to cover the use of personal vehicles by employees, but that usually doesn’t cover delivery drivers. Is this the case for Jimmy John’s?

According to Indeed, Jimmy John’s does not cover their drivers. While Jimmy John’s drivers are required to have insurance, the company does not currently have any coverage for delivery drivers.

That doesn’t mean that various Jimmy John’s locations have no insurance protecting them from accidents. It only means that they don’t cover their drivers.

What kind of delivery driver car insurance do you need?

Every driver needs auto insurance – each state has its own laws regarding how much insurance it takes to drive legally. However, food delivery drivers need more than a personal liability policy.

Delivery drivers are considered high-risk drivers and therefore need all the coverage they can get. Why are delivery drivers considered high risk? As it turns out, for several reasons:

  • Delivery drivers tend to be young, with limited driving experience
  • Most delivery jobs offer no driving training
  • Food delivery drivers are under immense pressure to deliver on time
  • They spend a substantial amount of time on the road, meaning they have more chances of getting into an accident

All of these factors add up to higher insurance premiums. Hopefully, tip money can make up the difference. But will your personal policy cover you during work hours?

Commercial Insurance for Delivery Drivers

Unfortunately, most personal policies do not cover deliveries. That means that if you get into an accident while you’re working, you could be responsible for repairs out of pocket, even if you have comprehensive coverage.

Insurance companies do this to keep rates lower for everyone. That doesn’t exactly help with Jimmy John’s car insurance rates, though.

Neglecting to inform your insurance provider about using your personal vehicle for business can lead to future claim denials. If you get in an accident while delivering sandwiches, you could find yourself paying for your car, the other person’s car, and any medical bills.

Clearly, it’s best to get the right coverage. When someone is looking for Jimmy John’s auto insurance and their personal policy doesn’t cover it, they need a commercial policy.

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What is a commercial insurance policy?

A commercial policy is very similar to a personal policy. The major difference is that it covers vehicles used for business purposes. That includes work trucks, taxis, and a delivery driver’s personal vehicle.

As stated earlier, insurance companies consider delivery drivers to be at a higher risk than other motorists. Many auto insurance companies don’t want to include deliveries in personal (and cheaper) policies, but most offer a commercial policy.

Jimmy John’s Delivery Driver Insurance Rates

It’s all well and good to know why you need a business policy. The real question is, how much will it cost?

As with all types of insurance, how much you pay depends on your unique situation as a driver. Factors like your age, driving history, and vehicle all determine what you pay for your auto insurance.

In general, however, commercial car insurance costs about 180% more than personal policies. The only way to know how much it will cost you is to request Jimmy John’s car insurance quotes.

That means if your monthly payment is $100, you can expect to pay upwards of $280 just to make your deliveries. That’s an expensive mark-up and not something easily afforded by most delivery drivers. Is the cost really worth it? Let’s take a look at some delivery driver stats to find out.

Delivery Driver Accident Rates

The food delivery industry is predicted to grow by at least 10% in the next year, and that trend is expected to continue. Food businesses will need more and more people to deliver their product, which means more drivers on the road.

As it’s been said, delivery drivers have high-risk jobs. According to the US Bureau of Labor Statistics, delivery drivers share the 7th most dangerous job in the country with truck drivers. While crime plays a role in these statistics, most delivery drivers are injured by car accidents. This is why it’s important to understand policy limits before driving for work, because if a driver doesn’t have coverage while they’re working, they may end up with any medical bills or repair costs coming out of their own pocket after an accident. 

The more time you spend driving, the more opportunity you have of getting hit. Add to that delivery driver’s general youth and inexperience, it becomes clear why commercial insurance for delivery drivers costs so much.

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What happens if you aren’t insured properly as a Jimmy John’s driver?

If you are a Jimmy John’s delivery driver, or you’re thinking of getting behind the wheel in the name of fast sandwich deliveries, you can’t afford to have no insurance. While it can be expensive, having to pay for accidents out of pocket is way less affordable.

What happens when you don’t have the right coverage? First, it’s illegal to be completely uninsured. If a police officer catches you, you can face heavy fines and the loss of your license. In most cases, you’ll also lose your job.

If you cause an accident without the right insurance, the other person can sue you for damages. Damages can be anywhere from a few hundred dollars, all the way up to hundreds of thousands. Even when you’re not at fault, you can be left on your own to pay your medical bills.

Clearly, finding affordable Jimmy John’s auto insurance is imperative for sandwich delivery drivers.

Companies That Offer Jimmy John’s Car Insurance

All insurance companies offer different types of coverage. The best way to pick the right company for you is to speak with an agent, but here’s a list of companies you can buy deliver driver coverage from:

  • GEICO
  • Progressive
  • State Farm

All three of these companies offer an add-on to a personal policy to cover some types of business use, including deliveries.

Rideshare add-ons are meant for people who use their personal vehicles for business. This includes not only food delivery drivers but gig workers like Uber drivers and Amazon delivery drivers.

These companies are the best for working with delivery drivers, but nearly every car insurance company offers some sort of commercial policy.

What’s the bottom line?

Getting the right food delivery driver insurance is of the utmost importance in today’s busy delivery world. With more and more drivers on the road, delivery drivers need as much protection as they can get. If you’re using your personal vehicle for commercial purposes, you’re going to want to learn what your coverage limits are, and if they’re not going to protect you while you’re on the job, find a policy that will have your back.

Whether it’s with a commercial policy or a rideshare add-on, having delivery driver coverage will protect you during your working hours with Jimmy John’s.

If you’re ready to get quotes, enter your ZIP code below and get started.

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