Jimmy John’s Auto Insurance: Rates & Requirements (2021)
Searching for Jimmy John's auto insurance? Jimmy John's does not provide its own auto insurance. The company requires state-minimum liability auto insurance coverage for their drivers. However, As a delivery driver, you should carry commercial auto insurance to make sure you are properly protected. Average rates for commercial auto insurance can range between $600 and $2,400 annually for a car and be as high as $6,200 for a delivery van. Learn more.
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UPDATED: Jul 19, 2021
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- Jimmy John’s doesn’t provide auto insurance options for its drivers.
- Without commercial auto insurance, your insurance company may not cover you in the event of an accident during deliveries.
- Always make sure you meet or exceed your state’s minimum auto insurance coverage levels, especially if you are a delivery driver.
If you are a delivery driver, you know that there are many perils on the road. Having proper insurance coverage is the best way to protect yourself during deliveries. When delivering for Jimmy John’s, auto insurance will be your responsibility since the company doesn’t provide insurance for its drivers.
When it comes to insurance, being a delivery driver is considered a high-risk occupation mainly because of the amount of time you spend on the road.
So, what types of auto insurance coverage do you need? Is your personal auto insurance enough? Do you need commercial auto insurance? How much will insurance cost?
We’ll take a look at these questions and provide the information you need to make informed decisions. Whether you need to buy commercial auto insurance or personal coverage, read on to find the policy that will fit your needs and budget.
Start looking for personal or commercial auto insurance rate now by entering your ZIP code above.
Does Jimmy John’s insure its drivers?
In short, no, Jimmy John’s doesn’t insure its delivery drivers. As a delivery driver, you will be responsible for making sure you have the proper auto insurance coverage on your vehicle. Liability coverage insurance levels vary by state so it’s important to know how much coverage you need to carry. The table below shows the minimum requirements by state.
|States||Insurance Required||Minimum Liability Requirements|
|Alabama||BI & PD Liab||25/50/25|
|Alaska||BI & PD Liab||50/100/25|
|Arizona||BI & PD Liab||15/30/10|
|Arkansas||BI & PD Liab, PIP||25/50/25|
|California||BI & PD Liab||15/30/5|
|Colorado||BI & PD Liab||25/50/15|
|Connecticut||BI & PD Liab, UM, UIM||25/50/20|
|Delaware||BI & PD Liab, PIP||25/50/10|
|Florida||PD Liab, PIP||10/20/10|
|Georgia||BI & PD Liab||25/50/25|
|Hawaii||BI & PD Liab, PIP||20/40/10|
|Idahoe||BI & PD Liab||25/50/15|
|Illinois||BI & PD Liab, UM, UIM||25/50/20|
|Indiana||BI & PD Liab||25/50/25|
|Iowa||BI & PD Liab||20/40/15|
|Kansas||BI & PD Liab, PIP||25/50/25|
|Kentucky||BI & PD Liab, PIP, UM, UIM||25/50/25|
|Louisiana||BI & PD Liab||15/30/25|
|Maine||BI & PD Liab, UM, UIM, Medpay||50/100/25|
|Maryland||BI & PD Liab, PIP, UM, UIM||30/60/15|
|Massassachusetts||BI & PD Liab, PIP||20/40/5|
|Michigan||BI & PD Liab, PIP||20/40/10|
|Minnesota||BI & PD Liab, PIP, UM, UIM||30/60/10|
|Mississippi||BI & PD Liab||25/50/25|
|Missouri||BI & PD Liab, UM||25/50/25|
|Montana||BI & PD Liab||25/50/20|
|Nebraska||BI & PD Liab, UM, UIM||25/50/25|
|Nevada||BI & PD Liab||25/50/20|
|New Hampshire||FR only||25/50/25|
|New Jersey||BI & PD Liab, PIP, UM, UIM||15/30/5|
|New Mexico||BI & PD Liab||25/50/10|
|New York||BI & PD Liab, PIP, UM, UIM||25/50/10|
|North Carolina||BI & PD Liab, UM, UIM||30/60/25|
|North Dakota||BI & PD Liab, PIP, UM, UIM||25/50/25|
|Ohio||BI & PD Liab||25/50/25|
|Oklahoma||BI & PD Liab||25/50/25|
|Oregon||BI & PD Liab, PIP, UM, UIM||25/50/20|
|Pennsylvania||BI & PD Liab, PIP||15/30/5|
|Rhode Island||BI & PD Liab||25/50/25|
|South Carolina||BI & PD Liab, UM, UIM||25/50/25|
|South Dakota||BI & PD Liab, UM, UIM||25/50/25|
|Tennessee||BI & PD Liab||25/50/15|
|Texas||BI & PD Liab, PIP||30/60/25|
|Utah||BI & PD Liab, PIP||25/65/15|
|Vermont||BI & PD Liab, UM, UIM||25/50/10|
|Virginia||BI & PD Liab, UM, UIM||25/50/20|
|Washington||BI & PD Liab||25/50/10|
|Wasington D.C.||BI & PD Liab, UM||25/50/10|
|West Virginia||BI & PD Liab, UM, UIM||25/50/25|
|Wisconsin||BI & PD Liab, UM, Medpay||25/50/10|
|Wyoming||BI & PD Liab||25/50/20|
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Be sure that your policy meets, or exceeds, these levels. If you are not sure or need to add coverage, talk to your insurance agent right away to make sure you are protected.
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Does Jimmy John’s require commercial auto insurance for delivery drivers?
Jimmy John’s doesn’t have specific requirements for insurance other than making sure your insurance coverage meets state requirements. Your insurance company’s requirements may be another story.
If you are using your personal vehicle to deliver Jimmy John’s, the insurance company will likely require some level of commercial auto insurance.
According to the US National Library of Medicine National Institutes of Health, accidents among food delivery drivers are among the highest in the U.S.
How much does commercial auto insurance cost for a Jimmy John’s driver?
Because of the risk involved, commercial auto insurance rates will generally be higher than personal insurance. Let’s take a look at average commercial auto insurance rates by vehicle type in the U.S.
|Vehicle Type||Minimum Annual Rates for Commercial Auto Insurance||Maximum Annual Rates for Commercial Auto Insurance|
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As you can see, the vehicle you drive will play a big part in commercial auto insurance quotes. Rates for a car, for example, are much lower than a delivery van or semi.
Does restaurant location matters for Jimmy John’s auto insurance?
Many factors go into determining your personal and commercial auto insurance rates. Location is a big one, both where you live and where you work.
As a delivery driver, one big rate influence is the number of miles you drive per year. The more miles you drive, the higher your rates are likely to be.
Other factors that determine your rates are credit history, driving history, and age.
Can delivery drivers have their claims denied?
Unless you carry commercial auto insurance, most insurance companies will not cover you if you are involved in an accident. That’s why it’s important to notify your auto insurance company immediately if you start using your personal vehicle for Jimmy John’s, or any other, delivery service.
Before you buy commercial auto insurance, do some research and make sure you are dealing with a reputable commercial auto insurance company.
Use our free tool below to find affordable commercial auto insurance quotes from multiple companies in your area.