Compare Car Insurance Rates and Save Money

  • How can I lower my car insurance rate?
  • Cheap car insurance FAQs
  • How to Get Cheap Car Insurance
  • Comparing Insurance Rates
Finding cheap car insurance can feel like searching for a needle in a haystack. So many providers, so many quotes—where do you start?
If you’re looking for quotes, try Jerry.
Jerry is a free app that helps you compare quotes from up to 45 top insurance companies in under a minute. As a licensed broker, Jerry takes care of your insurance needs from start to finish. And it monitors your insurance rate every six months, so you always know you’re getting the best deal.
No more researching minimum insurance requirements or digging around for the lowest premium. Simply compare car insurance quotes online and choose the one that best suits you.
Here’s how much customers were paying for their car insurance before comparing quotes and switching with Jerry.
Quote DateMake/modelCity, StateAgeCarrierCoverage Type
Before Jerry
After Jerry
June 3, 2021Honda Cr-V EXDenton, TX22Commonwealth InsuranceBasic$173/mo.$66/mo.
June 10, 2021Mazda Protege DXAustin, TX43National GeneralCustom$130/mo.$73/mo.
June 10, 2021Toyota Corolla LArlington, TX23ProgressiveCustom$192/mo.$74/mo.
June 10, 2021Jaguar X-Type 3.0Milltown, NJ28Plymouth RockCurrent$200/mo.$76/mo.
June 7, 2021Honda Accord EXLSeymour, CT58State AutoCurrent$200/mo.$77/mo.
With Jerry, you’ll be able to compare rates from dozens of top insurance companies in seconds. Just fill out a few questions and let Jerry’s machine-learning system find cheap car insurance quotes for you. It’s the same coverage you already have—but for less.
Once you’re ready to make the switch, Jerry takes care of all the paperwork and even helps you get a refund for any remaining time on your old policy. It’s the quickest, easiest way to get cheap car insurance quotes and save money.
Insurance companies use different formulas to calculate the risk of their policyholders. Using Jerry to review quotes from multiple providers is the best way to find cheap car insurance that meets your needs.

Why compare quotes?

Comparing offers from multiple providers is the best way to find the right coverage at the right price. It all comes down to the factors that influence insurance premiums.
Most insurers consider things like where you live, how old you are, what car you drive, your driving history, and even your credit score. It’s their way of figuring out how ‘high risk’ you are as a driver. And if they decide you’re unlikely to get into an accident or file a claim, you’ll end up with a cheaper premium.
But here’s the thing: each insurance company uses its own formula to calculate this risk. They each weigh the factors a little differently, which means they’ll each rate you a little differently.
Insurance Company
Before Jerry
After Jerry
State Auto
National General
So while one company might justify its higher premium because you live in a ‘high-risk’ zip code and have bad credit, another might see you as lower risk and charge you less since you’re a homeowner with a safe car.
Here’s what average rates look like based on the state you live in.
Before Jerry
After Jerry
Read more about cheap car insurance in your state:

Why does age impact the cost of insurance?

Across the country, young drivers are typically considered the riskiest to insure. Teen drivers ages 16–19 are more likely than any other age group to get into a car accident, and three times more likely to be in a fatal crash than drivers over the age of 20.
Age Group
Before Jerry
After Jerry
Age is a significant factor for most insurance companies, but taking advantage of discounts can help young drivers find relatively cheap car insurance.

What you need to get an accurate car insurance quote

When you’re ready to compare quotes, make things easy on yourself by having all the information you’ll need on hand.
  • Basic information like your name, address, birth date, and occupation
  • Current car insurance company, if you have an existing insurance policy
  • Driver’s license information for you and anyone else who will be on the policy
  • Annual and current mileage on your car, plus information like how often you drive and whether it’s for leisure or work
  • Vehicle information including your year, make, model, VIN, safety features, and whether you own or lease it
  • Driving history for the past five years, including tickets, accidents, and any other traffic violations
  • Coverage needs that meet or exceed your state’s minimum insurance requirements

How can I lower my car insurance rate?

If you want to lower your car insurance premium, you have a few choices:

1. Raise your deductible

Increasing your deductible—the amount you pay for a claim before your insurance company kicks in—will reduce your rate.
Before you do this, make sure that you can afford to pay more out of pocket in the event of an accident or damage to your vehicle. The standard deductible is $500, but many people opt for $1,000 instead.

2. Reduce your coverage

Removing or reducing certain coverages can bring your rates down, but you want to ensure you still meet the minimum required coverage in your state.
Here are some of the main insurance coverages that you might need.
Type of coverageWhat it covers
Bodily injury and property damage liabilityBodily injury covers expenses if you injure someone else in an at-fault accident. Property damage helps pay for damage you cause to someone else’s property, including their car, house, and more.
Uninsured/underinsured motorist protectionUninsured motorist protection covers you if you’re in an accident with an at-fault driver who doesn’t have liability insurance. If they have liability insurance but the limits are too low to cover your medical expenses, underinsured motorist protection kicks in.
Collision coverageCollision insurance covers expenses to repair your vehicle if you’ve been in a traffic accident, no matter who is at fault.
Comprehensive coverageComprehensive insurance covers repair costs unrelated to a collision, such as from a weather event, theft, vandalism, or even hitting an animal while driving.
Personal injury protection (PIP)Personal injury protection covers medical expenses, lost wages, child care, funeral costs, and other expenses incurred as the result of an accident, whether it was your fault or not.

3. Change your payment plan or term

If you pay your premium all at once instead of monthly, many insurance companies will offer you a discounted rate.
All things considered, the easiest (and quickest!) way to lower your car insurance premium is to compare quotes from different insurance providers. You’ll likely be able to find the same coverage you already have at a lower rate.
Jerry can help you compare rates and, when you’re ready, make the switch to more savings.

Cheap car insurance FAQs

Why does credit impact my car insurance rate?

Your credit score can be an indicator of the level of risk you pose to the insurance company. Statistics show that people with a higher credit score tend to get into fewer accidents and file fewer claims.
Not all states allow insurers to consider credit when setting premiums. The following states prohibit or place restrictions on the use of credit data for insurance purposes:
  • California
  • Hawaii
  • Maryland
  • Massachusetts
  • Michigan
  • Oregon
  • Utah

What is the minimum car insurance I can have?

Minimum insurance requirements vary by state, so what you’ll need depends on where you live. Almost every state requires coverage for bodily injury liability and property damage liability.
Some also require you to have personal injury protection (PIP) and/or uninsured motorist protection.
While you’re searching for cheap auto insurance, make sure you’re not sacrificing quality or coverage to get a lower rate.
Going beyond the minimum coverage requirements is usually a good idea, and cheaping out could end up costing you more down the line if you need to pay out of pocket.

How can I lower my car insurance costs?

The best way to lower your car insurance costs is by using Jerry to compare quotes and switch policies.
A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.

No one wants to overpay for car insurance! That’s why finding cheap car insurance is so important.

How to Get Cheap Car Insurance

There are many ways to get cheap auto insurance. But you want to make sure you’re not sacrificing quality or coverage. There are many different kinds of car insurance coverages, and it might sound simple to bring down your monthly or yearly premiums by just switching to a policy with less protection. But that could end up costing you more down the line, if you do end up needing to pay out of pocket.
To find the best cheap car insurance, you’ll need to compare car insurance policies from many different carriers. Why? Well, car insurance companies look at many different factors to set premiums — where you live, how old you are, what car you drive, even your credit score. Basically, insurance companies are trying to figure out how “high-risk” you are as a driver. If they think you’re low-risk and unlikely to get into an accident or file a claim, you will likely have cheaper car insurance than a driver who they think is more likely to get into an accident.
But there’s a catch — different insurance companies use different formulas to judge how high-risk you might be. So while one auto insurance company might charge you a higher monthly premium because you live in a high-risk zip code and have bad credit, another company may charge you less because you are a homeowner with a very safe car — just because those two companies weigh those factors differently.
In addition to the formulas insurance companies use, different carriers also have different discounts they may be able to apply to your policies. For example, while men under the age of 25 tend to pay more for insurance than the average driver, a college student with good grades might qualify for a discount with certain providers that could help offset that expense and still get relatively cheap insurance.
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Comparing Insurance Rates

If you want to buy cheap car insurance online, you could go to several insurance companies and get quotes from each. But that can be a long, cumbersome process that would involve wait times and lots of back and forth with pushy salespeople. Jerry can help you compare rates from over 40 top insurance companies in mere seconds. Just fill out a few questions, and our machine-learning system can find the perfect quotes for you — with the same coverage you already have, but for cheaper prices! And if you do find good cheap car insurance, the qualified agents at Jerry will take care of all the paperwork to have you switch plans, even helping you get a refund for any remaining time on your old policy. It is the easiest and simplest way to get cheap car insurance quotes.
Who has the cheapest insurance?


The auto insurance company with the cheapest insurance will vary wildly depending on the driver. Luckily, Jerry has access to thousands of quotes, so we can help you navigate the confusing and crowded auto insurance market.
Why does credit impact my car insurance rate?


It probably seems a little weird that car insurance companies use your credit score when they decide what to charge you for insurance. After all — you don’t drive with your credit card! But car insurance companies crunch numbers and data to look at which drivers are “high-risk” or most likely to file a claim. When an insurance company thinks a driver is more likely to file a claim, they generally charge that person more than someone they deem to be “low-risk.” Most insurance companies have data that suggests that people with lower credit scores are more likely to file claims, so they charge higher premiums to those drivers. Meanwhile, if you have a really good credit score, you may end up getting cheaper car insurance because of it.
What is the minimum car insurance I can have?


The minimum car insurance you need to legally drive differs from state to state. In Virginia and New Hampshire, the law doesn’t require you to have any car insurance at all (but it still requires proof of financial responsibility). In all other states, there are laws around the coverage you must have. But even with these differences, there are certain coverages that are standard: bodily injury liability, which insures individuals involved in an accident for physical injuries sustained by others, and property damage liability which covers damage to other people’s property in an accident that was caused by the insured.
How can I lower my car insurance rate?


There are many ways you can lower your car insurance rate. You can change your coverage to raise your deductible. This will reduce your monthly payments, but you may have to pay more out of pocket in the event of an accident or damage. You can also opt for less coverage, but make sure you still have the protection you need. You can also change your payment plan or term. Most insurance companies give drivers a discount if they pay for a full year or a full six months all at once, vs. monthly payments. Overall, the easiest, fastest way to lower your car insurance rate is to compare rates across different insurance providers. It is very likely that you can get coverage equal to what you currently have, but with a lower payment. Jerry can help you compare rates and switch carriers.
Compare cheapest car insurance in US
Compare cheapest car insurance in US
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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at or call 1-833-445-3779 (M-F 8am-5pm PT).

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