Jimmy John’s Auto Insurance Review (2020)

To get the best Jimmy John's delivery driver insurance coverage, you need a business policy that will cover you on the job. Jimmy John's auto insurance isn't offered in-house. The average cost of commercial food delivery auto insurance is $273.08/month but shop around to find the best Jimmy John's auto insurance quotes online now!

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 (BBB A+). 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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to remember...

  • In most jurisdictions, your auto insurance will not cover you or your vehicle when you get into a car accident during a food delivery
  • Employers will shift the blame to delivery drivers because they do not have to train experienced drivers
  • Restaurants with food delivery can purchase liability insurance on your vehicle

Because a delivery driver is a high-risk occupation, it is something not typically covered. A Jimmy John’s that delivers food does not necessarily mean that it delivers insurance. If you want Jimmy John’s auto insurance, you will need to find the right business policy for you. While monthly rates cost $273.08, you can still find the best Jimmy John’s delivery driver insurance coverage. All it will take is a little research to find the best Jimmy John’s auto insurance quotes online.

Does your auto insurance cover an accident delivering food for Jimmy John’s? Delivery drivers for Jimmy John’s should look closely at their auto insurance policies. Personal auto insurance may not cover an accident delivering food for Jimmy John’s.

Jimmy Johns insurance needs to cover deliveries as well, and that can be a separate Jimmy Johns delivery commercial insurance policy. Be sure to compare Jimmy Johns delivery car insurance rates to find the best policy for your needs.

In fact, it’s likely that any vehicle a named insured uses while delivering food for a fee gets excluded from liability coverage under a policyholder’s auto insurance. You may need extra auto insurance for delivering food.

If you want to get affordable Jimmy John’s driver auto insurance, make sure you are covered with our free quote tool above.

Commercial Auto Insurance for Delivery Drivers

Knowing about the delivery-for-a-fee exclusion means that food delivery drivers should be aware that when they use their vehicles for a business purpose, they do not have auto liability coverage.

Many insurance carriers will cover a known risk if it’s profitable. So, do you need extra insurance to deliver pizza, Jimmy John’s, or even DoorDash?

A commercial auto policy might provide adequate liability coverage for a Jimmy John’s delivery driver.

This video from Travelers talks a little bit about commercial auto insurance.

How much will it cost for additional food delivery commercial auto insurance? We’ve compiled these quotes from Progressive below so that you can get an idea of how much it will cost.

Monthly Progressive Rates for Personal and Food Delivery Auto Insurance
Type of Auto InsuranceProgressive
Monthly Rate
Rate Increase From Personal Auto Insurance Only
Personal Insurance (No Delivery)$105.83n/a
Personal Insurance (Delivery)Won't CoverWon't Cover
Food Delivery (Business & Personal Auto Insurance)$296.83180.47%
Food Delivery (Business Auto Insurance Only)$273.08158.03%

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As you can see, your rates can go up over twice as much if you add commercial coverage to your existing auto insurance policy.

Why don’t delivery services cover accidents under your personal policy? It’s a complicated answer, but part of it is that delivery drivers are a high-risk occupation. The U.S. Bureau of Labor Statistics reports that delivery drivers are actually the 4th most dangerous job in America. For insurers, that means there’s a higher likelihood that they’ll have to pay out a claim.

This video from KOAA 5 in Colorado makes some good points about how delivery drivers need to be aware their personal auto policy probably won’t cover damages that happen on the job.

When a delivery driver is in the market for business auto insurance, he or she should comparison shop different carriers, and the driver should determine for certain whether liability coverage gets extended to a delivery person when an accident occurs during food delivery.

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Does Jimmy John’s insure their drivers?

Does Jimmy Johns cover insurance for their drivers?

The short answer is no. Your personal auto policy is not likely to cover damages that occur while you’re delivering food either. You must have food delivery driver insurance coverage. While a commercial policy might cover a business owner under normal circumstances, a non-owned auto coverage policy might further insulate a business owner who hires and sends out food delivery drivers.

When a delivery driver for Jimmy John’s is aware that personal policy does not provide coverage when an auto accident occurs on the job, a business owner can protect their business by carrying insurance on a vehicle that they do not own, such as a delivery driver’s car.

Unfortunately, Jimmy John’s and other food delivery drivers have a higher likelihood of getting into a car wreck than other drivers.

Crosley Law notes that deliver drivers are typically younger than the average driver, and these things are usually true:

  • Less driving experience
  • High pressure to make fast deliveries
  • Delivery drivers are on the road more, increasing possible accidents

This video from Crosley Law shows a lawyer at the firm discussing who may be at fault if a pizza delivery driver causes a crash, and Jimmy John’s drivers are in the same category.

High pressure to deliver sandwiches so fast can lead to unsafe driving behavior.

The National Institutes of Health notes that nearly 17 percent of the 33,641 occupational fatalities in the U.S. were delivery drivers, a number here that also includes truck delivery drivers. But the numbers are clear, and it shows that people who drive more are likely to have a fatal accident.

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Delivery Drivers Can Have Their Claims Denied

Most personal automobile insurance policies usually won’t extend liability coverage for damage that occurs while being paid to deliver goods.

The coverage exclusion, which gets included in the majority of auto insurance policies, gets referred to as the delivery-for-a-fee exclusion. But you need liability coverage. Not only do most states require it, but you also don’t want to hit someone’s car and have to pay out-of-pocket for damages.

The coverage exclusion means that the damages that result from a car accident that happened during a Jimmy John’s food delivery were not considered as a risk when the policy was written and accepted, so insurance carriers will not extend coverage for an insured’s liabilities.

When a delivery driver can’t satisfy the liabilities, it’s possible that an injured driver or pedestrian will sue a delivery driver who caused an auto accident. When your insurance company denies coverage, they also deny you any representation under the policy.

Additional business or commercial insurance coverage is necessary to have your claims covered.

Make sure you have at least the minimum amount of liability coverage for when you’re driving. AAA has compiled requirements by state, and you can search the table below to see the requirements in your state.

Minimum Liability Auto Insurance Requirements by State
STATEMINIMUM LIABILITY LIMITS
AL25/50/25
AK50/100/25
AZ15/30/10
AR25/50/25
CA15/30/5
CO25/50/15
CT25/50/20
DE25/50/10
DC25/50/10
FL10/20/10
GA25/50/25
HI20/40/10
ID25/50/15
IL25/50/20
IN25/50/25
IA20/40/15
KS25/50/25
KY25/50/25
LA15/30/25
ME50/100/25
MD30/60/15
MA20/40/5
MI20/40/10
MN30/60/10
MS25/50/25
MO25/50/25
MT25/50/20
NE25/50/25
NV25/50/20
NH25/50/25
NJ15/30/5
NM25/50/10
NY25/50/10
NC30/60/25
ND25/50/25
OH25/50/25
OK25/50/25
OR25/50/20
PA15/30/5
RI25/50/25
SC25/50/25
SD25/50/25
TN25/50/15
TX30/60/25
UT25/65/15
VT25/50/10
VA25/50/20
WA25/50/10
WV25/50/25
WI25/50/10
WY25/50/20
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Jimmy John’s delivery drivers could get stuck paying out-of-pocket for the liabilities that come from an auto accident without additional commercial coverage.

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Restaurant Location Matters for Jimmy John’s Auto Insurance

While most insurance carriers have policy language unique to their underwriting team and company, the delivery-for-a-fee exclusion is quite common. Nonetheless, the treatment of the exclusion varies by jurisdiction.

The issue of whether an insurance company can deny liability coverage to a named insured just because the insured was delivering food has not yet settled in every state or jurisdiction.

For example, in Illinois, a 20-year-old Jimmy John’s delivery driver crashed into a motorcycle rider as the delivery driver pulled out of Jimmy John’s en route to a customer.

In that case, the delivery driver’s auto insurance carrier did reach a $100,000 settlement with the injured motorcyclist. However, the delivery driver got dragged into heated litigation between the motorcyclist and the owner of the Jimmy John’s restaurant.

Additionally, in the case of the injured rider and Jimmy John’s location owner noted above, the attorney representing the restaurant was quick to shift the blame of the auto accident to the 20-year-old delivery driver.

The attorney stated that “an employer doesn’t have a duty to train an employee, who is an experienced driver.”

The injured rider sued Jimmy John’s because the injured plaintiff believed that Jimmy John’s location used the delivery driver as a shield.

Similar cases in each state create clearer interpretations of the delivery-for-a-fee exclusion, and as a Jimmy John’s delivery driver, you do not want to find yourself in the midst of a defining lawsuit, where a business is reducing its exposure by revealing your liability.

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Frequently Asked Questions

Just in case you still have questions about Jimmy John’s delivery driver insurance requirements or if you’ve seen the Jimmy Johns fire commercial and wondered things like how much does Jimmy John’s pay drivers, we’ve added a few more below.

How much do Jimmy Johns drivers make?

Payscale reports that the average Jimmy John’s pay rate is about $8.47 an hour, with additional tips of $5,600 a year.

Does Jimmy Johns have delivery cars?

Most Jimmy John’s even put in their help wanted ads that one requirement is to have your own vehicle with insurance coverage. You do have to have your own vehicle.

Does Jimmy Johns deliver for free?

No, they charge for delivery. Part of that charge helps with Jimmy John driver pay or Jimmy Johns delivery pay, specifically compensating for the cost of fuel.

Does Jimmy John’s have a delivery guarantee?

A specific delivery time is not guaranteed.

If you’re a Jimmy John’s driver who wants an auto insurance policy that fully covers you, don’t miss out on our free insurance comparison tool below. Just enter your ZIP code and start comparing Jimmy John’s auto insurance rates now and save money.

References:

  1. https://www.bls.gov/news.release/cfoi.nr0.htm
  2. https://crosleylaw.com/blog/responsible-pizza-delivery-drivers-car-accident/
  3. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4565185/
  4. https://drivinglaws.aaa.com/tag/liability-laws/
  5. https://www.payscale.com/research/US/Job=Delivery_Driver/Hourly_Rate/45b16b82/Jimmy-Johns-Gourmet-Sandwiches

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