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Updated on Jan 30, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance in Wilmington
Best Car Insurance Companies in Wilmington
Best cheap car insurance quotes in Wilmington
Average cost of car insurance in Wilmington
Car insurance quotes in Wilmington by rating factors
How Do Different Factors Impact Your Car Insurance Costs in Wilmington?
Cheap car insurance quotes in Wilmington after driving violations
Cheap car insurance quotes in Wilmington by age
Cheap car insurance quotes in Wilmington based on insurance history
Cheap car insurance quotes in Wilmington for popular cars
How to lower car insurance costs in Wilmington
FAQ
Methodology
Meet our Experts

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How to find the cheapest car insurance in Wilmington

On average, car insurance in Wilmington costs about $137 per month for minimum coverage liability insurance, and about $227 per month for full coverage insurance. Wilmington drivers pay 6% less than the average rate in Delaware.

It’s hard to find

cheap car insurance in Delaware

, let alone in Wilmington! There are dozens of different auto insurance companies hiding the cheapest option among hundreds of products. Luckily, there’s an easy way to find the best coverage for your needs (and the driver discounts for your budget).

Just ask

Jerry

to find it! Jerry captures your policy details with just a few questions and fetches quotes with the lowest rates in less than a minute. Finding

cheap car insurance

has never been easier—no phone calls or research required!

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Progressive	$196	Corey, 54 Zip: 19805	Ford Taurus SEL	• State Minimum Liability
Allstate	$245	Eddie, 28 Zip: 19801	KIA Optima SX	• State Minimum Liability • Comp / Collision
Travelers	$165	Caroline, 27 Zip: 19806	GMC Acadia SLT-1	• 100,000/300,000 Liability • Comp / Collision
Nationwide	$129	Tyler, 47 Zip: 19806	Volkswagen Jetta S	• 50,000/100,000 Liability • Comp / Collision
National General	$201	Christina, 34 Zip: 19802	Cadillac CTS Luxury Collectio	• State Minimum Liability • Comp / Collision

Last Updated Jan 28, 2025

Compare car insurance quotes now

Best Car Insurance Companies in Wilmington

There is no single best car insurance company in Wilmington for everyone. Insurance rates depend on so many different factors that the most affordable provider varies from driver to driver.

In choosing an auto insurance provider, you should also consider your expectations surrounding customer service and claims handling.

We conducted the largest shopping survey in the nation—to make sure we could provide the best insurance advice to every American driver. We learned that out of all the providers available in Wilmington,

Allstate

was the most flexible;

GEICO

the most affordable; and

Safeco

Dairyland

, and

Progressive

had the most helpful customer service departments.

Drivers in Wilmington rate various auto insurance companies on a scale of 0 to 5 in the table below.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
National General	4.7	4.8	N/A	4.7
State Farm	4.2	4.3	N/A	4.3
Progressive	4.2	3.4	N/A	4

Best cheap car insurance quotes in Wilmington

Delaware requires Wilmington drivers to carry both

liability car insurance

and

personal injury protection (PIP)

. After a car accident in which you were at fault, the former compensates any injured parties for bodily injuries and property damage.

As for the latter, it covers hospitalization and surgery for you and your passengers, regardless of who’s to blame.

However, when it comes to car accidents, the minimum coverage limits are seldom enough. The at-fault party is often responsible for (a potentially huge) out-of-pocket expense.

Cheap minimum liability insurance quotes in Wilmington

According to

Delaware car insurance laws

, the minimum coverage limits required for liability and PIP insurance are 25/50/10 and 15/30, respectively.

It’s illegal to carry any less than:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$10,000 of

property damage liability

coverage per accident

$15,000 of PIP coverage per person

$30,000 of PIP coverage per accident

The minimum coverage tends to sell for the cheapest price. Here’s how much Wilmington car owners paid for a legally-compliant policy through Jerry:

Progressive

Corey (54 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19805)

Ford Taurus SEL

$196

per month

Allstate

Lois (33 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19810)

Buick Lacrosse CXS

$178

per month

Nationwide

Lloyd (38 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Ford Expedition Eddie Bauer

$178

per month

AAA

Millie (30 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19810)

Toyota Camry

$182

per month

National General

Ann (36 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19808)

Hyundai Elantra SE

$199

per month

Do you need more than minimum coverage in Wilmington?

Probably! Your car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits in Wilmington are quite low.

For example, when was the last time you saw a decent car for $10,000? If you damage another driver’s car beyond repair, the minimum requirements will probably leave you too underinsured to pay for its replacement. Plus,

Delaware car accident laws

say you can be sued in a personal injury lawsuit up to two years after the event.

The bottom line: Wilmington is densely-populated, so you should increase your liability and PIP coverage levels higher if you can.

Cheap full coverage car insurance quotes in Wilmington

Liability insurance coverage benefits other people, but

full-coverage car insurance

pays for repairs and replacements to your motor vehicle even if you’re at fault.

Typically, if you lease or buy a car with a loan, you’ll be required to carry full coverage car insurance.

A full-coverage insurance policy usually contains liability coverage,

collision coverage

, and

comprehensive coverage

. Collision coverage pays to repair or replace your car if you hit another motor vehicle or a stationary object—even if it’s your fault.

Comprehensive coverage pays the same benefits but for different reasons. If your car is vandalized, stolen, or has a tree branch dropped on the windshield, you’ll be glad to have it!

While full-coverage car insurance costs more than the bare minimum, you can bring your premiums back down with Jerry. Here are some of the best rates in Wilmington for complete peace of mind:

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$280	Rose, 24 Zip: 19802	Ford Escape HEV
• 50,000/100,000 Liability • Comp / Collision	Allstate	$383	Margaret, 29 Zip: 19805	KIA RIO LX
• 15,000/30,000 Liability • Comp / Collision	Safeco	$188	Benjamin, 35 Zip: 19804	Honda Accord Sport Special Edition
• 100,000/300,000 Liability • Comp / Collision	Travelers	$165	Caroline, 27 Zip: 19806	GMC Acadia SLT-1
• 100,000/300,000 Liability • Comp / Collision	Bristol West	$488	Virginia, 38 Zip: 19805	Honda Pilot EXL

Last Updated Jan 24, 2025

Average cost of car insurance in Wilmington

If you live in Wilmington, you need to budget an average of $137 per month or $1,644 per year for minimum liability coverage. If you’d prefer a full-coverage insurance policy, you need to put aside about $227 per month or $2,723 per year.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$134	$1,612
Full coverage	$241	$2,895

What’s the lowest you can go? Insurance premiums for minimum liability coverage in Wilmington start at $137 per month, while full coverage policies start at about $227. If you’d like your rates to look more like these, make sure to compare plenty of car insurance quotes to find the right price.

Average cost of car insurance in Wilmington by zip code

Car insurance rates within the same city vary depending on where you live. Premiums tend to be more expensive in neighborhoods with a high rate of auto theft, car accidents, and high-risk factors.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
19801	$198	$307
19806	$135	$159
19808	$103	$271
19810	$171	$246

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Sean S.

| Verified Jerry Customer

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Car insurance quotes in Wilmington by rating factors

Sometimes it seems like

car insurance is calculated

using a set of random formulas, but it’s not. All these factors affect the premiums you pay in Wilmington:

Your age and demographics: New drivers, teen drivers, and senior drivers pay much higher premiums than the rest of the population.

Your driving record and claims history: Good driving records generally indicate good drivers, who pay lower rates.

Your parking spot: Unlike cities, where car accidents and crime cause millions of dollars in property damage, small towns enjoy lower rates.

Your motor vehicle: Cheaply-made cars that are cheap to repair are the most affordable to insure.

Your driving habits: Commuters are at a higher risk of getting into a car accident than stay-at-home workers and retirees, so they pay higher rates.

Your credit score: Those with good credit scores get the lowest rates, while those with poor credit scores get the highest.

How Do Different Factors Impact Your Car Insurance Costs in Wilmington?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Delaware currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Wilmington:

Cheap car insurance quotes in Wilmington after driving violations

If you want to know why you’re paying so much for car insurance, start by looking at your

Delaware driving record

Driver violation points significantly affect your insurance rates and which auto insurance companies are willing to work with you. Serious traffic violations—like a

reckless driving charge in Delaware

or a DUI—are an especially tough sell.

Cheapest car insurance in Wilmington after speeding ticket

The total cost of a

Delaware speeding ticket

is calculated by the following formula:

First, you take the base fine ($20 for first offenses, $25 for repeats) and add the speed multiplier ($2 for every mph over the posted speed limit over five). Factor in the court costs, various funds, and the seatbelt assessment, and you’re still missing the biggest penalty: how much a speeding ticket affects your car insurance.

A speeding-related traffic ticket can add more than 20% to your annual premiums in Wilmington. Lower them by looking for an auto insurance provider that will reward you for taking a defensive driving course.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 11-15	Progressive	$402	Winifred, 31 Zip: 19805	Hyundai Elantra SE	• 100,000/300,000 Liability • Comp / Collision
Speeding 21+	AAA	$298	Don, 26 Zip: 19805	Hyundai Sonata SE	• State Minimum Liability

Last Updated Jan 30, 2025

Cheapest car insurance in Wilmington after DUI

Delaware's DUI laws

are tough, bundling a fine, jail sentence, driver’s license suspension, and SR-22 filing requirement with every conviction. A conviction remains on your driving record for five years, which only makes it harder to find affordable insurance rates in Wilmington.

You can save money by choosing an insurance provider with a variety of driver discounts. Pick a company, buy a new policy, or

cancel an old one

with Jerry, who’s helped lots of high-risk Wilmington drivers with DUIs find low rates.

Progressive

Gilbert (30 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Wilmington, DE
(Zip Code: 19892)

Tesla Model X

$52

per month

Safeco

Erik (30 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Wilmington, DE
(Zip Code: 19809)

Audi S4

$80

per month

Cheapest car insurance in Wilmington after an at-fault accident

A clean

Delaware driving record

makes it easy to find lower rates in Wilmington, but if you’ve already made a few mistakes, don’t worry. High-risk drivers found savings after their at-fault accident with Jerry’s help.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	Progressive	$244	Joshua, 23 Zip: 19804	Chevrolet Malibu LS	• State Minimum Liability
At Fault With No Injury	Travelers	$165	Tillie, 26 Zip: 19806	GMC Acadia SLT-1	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Nationwide	$226	Howard, 42 Zip: 19801	Ford Fusion SE	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Safeco	$106	Clara, 28 Zip: 19801	Volkswagen CC Sport	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Wilmington after other driving violations

If you’ve been hit with speeding, DUI, or

reckless driving charges in Delaware

, bringing your rates back down might seem impossible. However, there’s still one thing you can do to find affordable rates in Wilmington—turn to a licensed insurance broker!

A broker helps find the right coverage and price for every situation. Provided you’re looking in the right place (hint: try the App Store!), you can benefit from their advice for next to nothing.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Illegal Turn	Progressive	$107	Ernest, 51 Zip: 19803	KIA Optima EX	• State Minimum Liability
Defective Equipment	AAA	$166	Kate, 27 Zip: 19808	Nissan Rogue S	• State Minimum Liability
Failure to Obey Signal	Nationwide	$308	Martha, 29 Zip: 19801	Mazda CX-9	• 50,000/100,000 Liability • Comp / Collision
Wrong Way/Wrong Lane	National General	$143	Garrett, 23 Zip: 19804	Chevrolet Malibu LS	• State Minimum Liability
Careless Driving	Allstate	$221	Jerome, 28 Zip: 19805	BMW 525 i Automatic	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Progressive	$98	Aaron, 30 Zip: 19804	Mazda CX-9	• State Minimum Liability • Comp / Collision
Improper Passing	Bristol West	$322	Lulu, 23 Zip: 19802	Hyundai Elantra SEL	• 15,000/30,000 Liability

Last Updated Jan 27, 2025

Cheap car insurance quotes in Wilmington by age

When you're a teen driver, your car insurance rates are high. The same goes for when you’re a senior driver. But between those two ages (25-75) is the magic sweet spot for annual premiums.

Cheapest car insurance in Wilmington for young drivers

Since teen drivers between the ages of 16 and 19 are the most likely age group to be involved in a car accident, it's hard for them to find affordable insurance rates. New drivers and young drivers face similar challenges.

No driving history? No problem! Look for Wilmington insurance companies that make learning affordable with driver discounts. You can find

cheap car insurance for new drivers

(and full coverage that pays for fixes regardless of fault) with a quote comparison app.

Progressive

Rose (24 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Ford Escape HEV

$280

per month

AAA

Joel (24 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

Toyota Avalon XL

$296

per month

Gainsco

Logan (24 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Wilmington, DE
(Zip Code: 19808)

Chevrolet Cruze LS

$211

per month

National General

Gerald (23 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19805)

Volkswagen Jetta

$269

per month

Cheapest car insurance in Wilmington for senior drivers

Despite their experience, older drivers usually suffer vision and hearing loss as they age. They're also more likely to suffer severe injuries in a car accident.

The

best car insurance for seniors

comes from companies that serve older adults and retirees. If you're looking for affordable plans while you spend your golden years in Wilmington, Jerry's expert customer service team can assist you.

Progressive

Bradley (74 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Chevrolet Tahoe K1500

$176

per month

Nationwide

Adele (68 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19810)

Nissan Altima

$98

per month

AAA

Mabelle (69 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

Honda Civic LX

$333

per month

National General

Jerome (73 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19808)

Chevrolet Cruze LS

$83

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

They quoted me an excellent price for car insurance after I had been a non driver and non insured person for 13 years.

Max

Fast and friendly service!

Carlisa

Good!

Rayma

I saved over $100 by switching!!!! I recommend it to all my family & friends.

Alexa

Cheap car insurance quotes in Wilmington based on insurance history

A lapse in your car insurance history

can make it difficult to find cheap rates in Wilmington. Almost all providers consider even a short period of time spent uninsured as high-risk behavior.

If you’d like to start building up a positive insurance history, sign up for Jerry’s automatic reminders. Not only will you be notified before you miss a payment date, but you’ll also receive an annual cost comparison when it’s time to renew.

Progressive

Brandon (53 years old)

Currently Insured

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Mazda 3 S

$118

per month

Allstate

Effie (28 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19805)

KIA RIO LX

$383

per month

Travelers

Mae (26 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19806)

GMC Acadia SLT-1

$165

per month

Safeco

Helen (28 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19801)

Volkswagen CC Sport

$106

per month

Bristol West

Raymond (23 years old)

Currently Insured

Coverage

15,000 per person

30,000 per accident bodily injury

Wilmington, DE
(Zip Code: 19802)

Hyundai Elantra SEL

$322

per month

Cheap car insurance quotes in Wilmington for drivers with poor credit

Your credit score affects your car insurance rates because it tells insurance companies whether or not you have a history of paying your bills on time. Insurance providers typically offer lower rates to customers with good credit.

Wilmington drivers with a credit score of 550 or less can find a company willing to insure them through Jerry.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$67	Ryan, 31 Zip: 19803	Toyota Camry L	• State Minimum Liability
660 - 750	AAA	$296	Wesley, 24 Zip: 19801	Toyota Avalon XL	• State Minimum Liability
660 - 750	National General	$142	Gilbert, 23 Zip: 19805	Chrysler 300 S	• State Minimum Liability
550 - 659	Nationwide	$308	Eliza, 29 Zip: 19801	Mazda CX-9	• 50,000/100,000 Liability • Comp / Collision
< 550	AAA	$217	Derrick, 45 Zip: 19805	Chrysler 300 Touring	• State Minimum Liability

Last Updated Jan 30, 2025

Cheap car insurance quotes in Wilmington for popular cars

Although carbon-fiber inlays and quilted leather seating look nice, they’re expensive to repair. That’s why sports cars, luxury SUVs, and special-edition coupes are among

the most expensive cars to insure

If you want to save money, find a vehicle with low repair costs, a good security system, and excellent safety ratings. Most Wilmington drivers consider these five models the best in all three categories:

MORE:

How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Mazda 3 S	Progressive	$118	Benjamin, 53 Zip: 19802	• State Minimum Liability

Last Updated Jan 30, 2025

Cheapest car insurance in Wilmington for new vs. old car

It’s usually more expensive to insure a new car than an older one. In Wilmington, the average cost to insure a car older than 10 years is $232 per month. By contrast, the average cost of insuring a car less than four years old is $152 per month.

Progressive

Corey (54 years old)

2017 Ford Taurus SEL

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19805)

$196

per month

Nationwide

Tyler (47 years old)

2019 Volkswagen Jetta S

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19806)

$129

per month

Allstate

Eddie (28 years old)

2015 KIA Optima SX

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

$245

per month

Travelers

Caroline (27 years old)

2010 GMC Acadia SLT-1

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19806)

$165

per month

National General

Christina (34 years old)

2012 Cadillac CTS Luxury Collectio

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

$201

per month

Bristol West

Bernice (35 years old)

2017 Honda Accord Sport Special Edition

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19804)

$199

per month

How to lower car insurance costs in Wilmington

1. Shop around and compare quotes

Insurance companies have different rules for setting premiums, and those rules change all the time! Experts recommend

shopping for car insurance quotes

from at least three companies every six months to make sure you're getting the best deal.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

MORE:

How do I get multiple car insurance quotes at once

Compare car insurance quotes now

2. Hunt for car insurance discounts

Car insurance discounts

can transform an average rate into a stupendous deal. Call your provider and ask if they offer discounts for:

Good drivers. If you’ve held a

clean driving record

for at least three years, you’re due for some sweet discounts.

Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!

Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

Bundling insurance products.

Bundle your car and home insurance

and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

You can keep protection and lower your monthly payments by reducing the deductible on your comprehensive insurance policy.

MORE:

How to choose a car insurance deductible

FAQ

How much is car- insurance in Wilmington?

People living in Wilmington pay on average $137 per month – or $1,644 per year – on state-minimum liability coverage. Full coverage in Wilmington costs on average $227 per month of $2,723 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Wilmington?

Based on thousands of Wilmington drivers Jerry has worked with, car insurance in Wilmington costs an average of $137 per month for state-minimum coverage and $227 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Wilmington?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

Allstate

Geico

, and

Nationwide

receive good ratings from Wilmington drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Wilmington, Delaware?

The state-minimum car insurance in Wilmington, Delaware is $25,000 in bodily injury liability per person, $50,000 per accident, and $10,000 for damage to property. These coverages are commonly referred to as 25/50/10 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.