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Updated on Jan 2, 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 Hammond
Best Car Insurance Companies in Hammond
Best cheap car insurance quotes in Hammond
Average cost of car insurance in Hammond
Car insurance quotes in Hammond by rating factors
How Do Different Factors Impact Your Car Insurance Costs in Hammond?
Cheap car insurance quotes in Hammond after driving violations
Cheap car insurance quotes in Hammond by age
Cheap car insurance quotes in Hammond based on insurance history
Cheap car insurance quotes in Hammond for popular cars
How to lower car insurance costs in Hammond
FAQ
Methodology
Meet our Experts

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How to find the cheapest car insurance in Hammond

On average,

auto insurance

in Hammond costs about $149 per month for minimum coverage liability insurance, and about $218 per month for full coverage insurance. In Hammond drivers pay 6% less than the national average.

Jerry is a trusted resource for countless drivers in Hammond seeking the

best car insurance quotes

. Let's explore some of the savings that Jerry has uncovered for our customers in Hammond.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Progressive	$82	Leroy, 62 Zip: 70401	Mitsubishi Outlander Sport ES	• State Minimum Liability
Bristol West	$214	Todd, 24 Zip: 70403	Dodge Challenger SXT	• State Minimum Liability
National General	$175	Lela, 21 Zip: 70403	Ford F-150	• State Minimum Liability
Bristol West	$342	Elsie, 34 Zip: 70401	Nissan Altima S	• State Minimum Liability • Comp / Collision
Clearcover	$110	Rhoda, 48 Zip: 70403	Mercury Sable LS Premium	• State Minimum Liability

Last Updated Dec 31, 2024

Compare car insurance quotes now

Best Car Insurance Companies in Hammond

When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone.

Aside from the cost of insurance, you’ll also want to consider factors such as claims handling and customer service when choosing a provider.

To narrow down the best car insurance options for Hammond drivers, Jerry conducted the largest insurance shopping survey in the nation. We asked over 15,000 policyholders from across the country to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling.

Here’s what the survey respondents had to say about the best car insurance companies in Hammond:

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Geico	4.4	3.4	4	4.3
Allstate	4.3	3.7	N/A	4.3
Progressive	4	3.6	2.5	4.2
State Farm	3.9	2.6	N/A	4.1
USAA	3.8	3.8	N/A	3.6

Best cheap car insurance quotes in Hammond

Before driving in Hammond, remember that

Louisiana’s car insurance laws

require all drivers to buy liability insurance. Full coverage car insurance, which includes collision and comprehensive insurance in addition to state-mandated liability coverage, is technically optional—but most drivers choose to buy it.

Cheap minimum liability insurance quotes in Hammond

To legally drive in Hammond, Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following:

$15,000 of

bodily injury liability coverage

per person

$30,000 of bodily injury liability coverage per accident

$25,000 of

property damage liability coverage

per accident

These two types of coverage ensure that your insurance company will pay for other drivers’ medical and vehicle repair expenses if you’re at fault in an accident.

Progressive

Leroy (62 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70401)

Mitsubishi Outlander Sport ES

$82

per month

Allstate

Owen (35 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70401)

Mazda Tribute LX

$133

per month

Clearcover

Rhoda (48 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Mercury Sable LS Premium

$110

per month

National General

Lela (21 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Ford F-150

$175

per month

Bristol West

Ivan (27 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Nissan Sentra S

$186

per month

Do you need more than minimum coverage in Hammond?

Think of Louisiana’s minimum liability coverage as the start—not the end—of your insurance shopping process in Hammond.

While buying state minimum coverage will keep you in compliance with the law, it won’t do much to protect your wallet in the event of a crash.

Remember, liability insurance covers damages and medical bills that you’re responsible for. The average hospital stay following a car accident costs close to $60,000, while the average car on the road is worth about $48,000.

A single serious accident could saddle you with liability costs well over $100,000—well beyond the liability limits of a minimum coverage policy!

And because

Louisiana's car accident laws

allow drivers to file personal injury lawsuits for up to a year after an accident, your liability will extend long past the actual incident.

Cheap full coverage car insurance quotes in Hammond

One major drawback of a liability-only insurance policy is that it won’t protect your vehicle. Only drivers with

full-coverage car insurance

can submit insurance claims for physical damage to their own cars.

Full coverage isn’t a technical term, but it usually refers to policies that include

collision coverage

and

comprehensive coverage

on top of basic liability.

Collision insurance: pays for damage to your vehicle caused by any kind of crash, from a seven-car pileup to a single-car rollover or a collision with a telephone pole. Collision coverage can even pay if your car’s damaged in an encounter with a gnarly pothole—and since 23.3% of Louisiana’s roads are in poor condition, it’s a worthwhile investment for most drivers in Hammond.

Comprehensive insurance: pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather.

Full coverage insurance isn’t required by law, but it is required by lenders. If you lease or buy a car in Hammond, you’ll need to carry collision and comprehensive insurance until your lease is up or your loan is paid off.

Check out the table below to see how Jerry helped Hammond drivers balance their coverage needs with their budget!

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$64	Eugenia, 35 Zip: 70403	Buick Lucerne CX
• State Minimum Liability • Comp / Collision	Allstate	$305	Eunice, 27 Zip: 70401	KIA Sorento LX
• State Minimum Liability • Comp / Collision	Clearcover	$190	Benjamin, 38 Zip: 70401	Chevrolet Equinox LS
• 50,000/100,000 Liability • Comp / Collision	Dairyland	$549	Ada, 41 Zip: 70403	Ford Fusion SE
• State Minimum Liability • Comp / Collision	Kemper	$239	Harvey, 38 Zip: 70403	Mercedes-Benz GL 550 4matic

Last Updated Dec 29, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Average cost of car insurance in Hammond

A full coverage car insurance policy costs Hammond drivers an average of $1,791 per year or $149 per month. For drivers who stick to only minimum liability coverage, car insurance costs $2,612 per year or $218 per month, on average.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$117	$1,400
Full coverage	$217	$2,600

But

car insurance averages

only tell part of the story—and they’re not always a good guide to finding your best insurance rate.

Every driver is different, and everything from your age and gender to your credit score, driving record, insurance history, and vehicle type could put your rates above or below the average in Hammond.

Average cost of car insurance in Hammond by zip code

When it comes to car insurance in Hammond, the cost can significantly differ depending on your zip code. Each zip code within Hammond possesses its own unique risk profile, directly influencing the corresponding insurance rates.

For instance, if you happen to reside in a neighborhood with a higher frequency of auto theft and accidents, your area will be classified as high risk, leading to higher rates.

Essentially, the level of risk associated with your zip code plays a pivotal role in determining whether you'll pay more or less for coverage.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
70401	$99	$243
70403	$134	$270

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Sean S.

| Verified Jerry Customer

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Car insurance quotes in Hammond by rating factors

Remember—every driver is different, and every insurance company uses a whole slew of rating factors to

calculate your car insurance premium

in Hammond.

Your age and demographics: Teens and other new drivers pay a higher rate for coverage than middle-aged drivers—and so do seniors over age 70. Gender can also affect rates in Louisiana.

Your credit score: Research shows that drivers with poor credit file more claims. They also pay approximately 97% more than drivers with excellent credit—for the same coverage.

Your driving record and claims history: Causing an accident, committing a violation, filing a claim, or letting your insurance lapse can all lead to higher premiums.

Your driving habits: Louisiana drivers commute about 25 minutes per day—close to the national average. If you drive more or less than that, you’ll see your rates reflect the added (or lessened) risk of an accident.

Your location: City zip codes carry a higher risk of accidents, theft, vandalism—-and insurance claims. That’s why urban drivers pay more, and rates can vary within a single city.

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

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

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

Learn more abut the car insurance rating factors in Hammond:

Cheap car insurance quotes in Hammond after driving violations

The occasional speeding ticket might add a surcharge to your insurance policy, but drivers with multiple violations are at risk of earning the “high-risk” label from their insurance company.

Here’s how to navigate car insurance shopping if your Hammond driving record is less than perfect.

Cheapest car insurance in Hammond after speeding ticket

Louisiana speeding tickets

come in four categories:

1 – 9 mph over the speed limit: $115 – $285 in fines

10 – 14 mph over the speed limit: $215 – $385 in fines

15 – 20 mph over the speed limit: $240 – $410 in fines

21+ mph over the speed limit: Over $240 in fines and possible license suspension

Drive fast enough—or with enough careless lane changes and disruptive actions—and you risk

Louisiana's reckless driving charge

, which carries base penalties of up to $200 in fines and up to 90 days in jail.

In Hammond, a speeding ticket can raise your insurance rates, typically by an average of 39%. That higher charge will usually stay on your policy for three to five years—but that doesn’t mean you can’t find savings in the meantime.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Allstate	$73	Christina, 40 Zip: 70403	Toyota 86	• State Minimum Liability
Speeding 6-10	Progressive	$68	Eleanor, 43 Zip: 70402	Hyundai Ioniq	• 50,000/100,000 Liability

Last Updated Jan 2, 2025

Cheapest car insurance in Hammond after DUI

Just one

DUI violation

in Hammond can rack up thousands of dollars in fines, legal costs, and increased insurance premiums. The average rate increase after a DUI in Louisiana is 64%, but you can expect even higher increases if you’re convicted multiple times.

Drivers with DUIs tend to pay a lot more for car insurance—but you don’t have to resign yourself to unbearable premiums. Some insurers, like Progressive, give a DUI far less weight when calculating premiums, and Jerry can help you find the best rates in Hammond based on your record.

Progressive

Marie (44 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Hammond, LA
(Zip Code: 70402)

Subaru Forester

$75

per month

Allstate

Allie (31 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Hammond, LA
(Zip Code: 70401)

Infiniti J30

$76

per month

Cheapest car insurance in Hammond after an at-fault accident

Your rates will also go up after an at-fault accident—but not all companies will raise them by the same amount. GEICO has the highest average rate increase after an accident at a whopping 64%, while State Farm and Travelers policyholders tend to see lower rate spikes.

But don’t worry—Jerry has helped many Hammond drivers save on car insurance after accidents.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	National General	$247	Estelle, 60 Zip: 70403	Chevrolet Impala LT	• State Minimum Liability
At Fault With No Injury	Progressive	$551	Cora, 70 Zip: 70403	RAM 1500 BIG Horn	• State Minimum Liability • Comp / Collision
Not At Fault	Allstate	$305	Bill, 27 Zip: 70401	KIA Sorento LX	• State Minimum Liability • Comp / Collision
	Bristol West	$342	Angel, 34 Zip: 70401	Nissan Altima S	• State Minimum Liability • Comp / Collision

Last Updated Dec 27, 2024

Cheapest car insurance in Hammond after other driving violations

Speeding tickets, accidents, and DUIs aren’t the only way to earn the “high-risk” designation from your insurance company. No matter what violations show up on your Hammond driving record, Jerry can help you save.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Defective Equipment	Progressive	$346	Carlos, 26 Zip: 70403	Hyundai Sonata Sport	• State Minimum Liability • Comp / Collision
Seat Belt	Bluefire	$228	Irene, 30 Zip: 70403	KIA Sorento S	• State Minimum Liability • Comp / Collision

Last Updated Dec 29, 2024

Cheap car insurance quotes in Hammond by age

Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.

Cheapest car insurance in Hammond for young drivers

Like all

new drivers

, teenagers pay more for car insurance than drivers with a proven record of safe driving in Hammond.

But for teens, the costs are even higher thanks to statistics that show a higher rate of accidents, crash fatalities, and violations among drivers aged 19 and below.

Those increased rates are even higher for male drivers, who show a higher rate of unsafe behaviors like distracted driving and skipping the seatbelt.

Luckily, young Hammond drivers can save by staying on a family policy, qualifying for

good student discounts

, and using

usage-based insurance tools

—and by shopping with Jerry, of course!

Progressive

Stanley (19 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

KIA Optima LX

$266

per month

National General

Jared (23 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70401)

Ford Taurus SE

$156

per month

National General

Lela (21 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Ford F-150

$175

per month

Clearcover

Ruby (23 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Ford Focus Titanium

$172

per month

Bristol West

Todd (24 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Dodge Challenger SXT

$214

per month

Cheapest car insurance in Hammond for senior drivers

Many seniors actually pay less for car insurance than middle-aged drivers. Between ages 55 and 75, you’ll likely see the lowest rates of your whole driving career thanks to decades of experience.

But around your mid-70s, your rates will start to go up because of increased rates of driver error and a much higher risk of accident fatalities. Even good drivers tend to see higher risks on the road when they reach this age.

Progressive

Carolyn (70 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

RAM 1500 BIG Horn

$551

per month

Clearcover

Pearl (81 years old)

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Mercury Grand Marquis LS

$127

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:

Great customer service plus they work with you on any issue you may have. Prices are fair and policy is easy to understand.

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Reliable insurance, great customer service!

Anthony

Very happy with National Generals service. Was skeptical at first but they are great!

Jessica

Cheap car insurance quotes in Hammond based on insurance history

Insurance companies don’t just look for a clean driving record when reviewing applicants—they also want to see a continuous coverage history with no breaks or gaps.

Whether you forgot to renew your policy, stopped paying your bill, or just spent a few years relying on public transportation,

any car insurance lapse

will lead to higher rates down the road.

Progressive

Lucas (35 years old)

Currently Insured

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Buick Lucerne CX

$64

per month

Allstate

Sally (27 years old)

Currently Insured

Coverage

State Minimum

Hammond, LA
(Zip Code: 70401)

KIA Sorento LX

$305

per month

Clearcover

Francisco (48 years old)

Currently Insured

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Mercury Sable LS Premium

$110

per month

National General

Blanche (70 years old)

Currently Insured

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

RAM 1500 BIG Horn

$480

per month

Progressive

Ruth (35 years old)

Currently Insured

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

Buick Lucerne CX

$64

per month

Cheap car insurance quotes in Hammond for drivers with poor credit

All major car insurance companies will run a soft credit check and use something called a

“credit-based insurance score”

when evaluating your application and setting your rates.

Drivers with good credit (700 or above) pay less, on average, than drivers with poor credit.

Bad credit doesn’t just suggest a history of unpaid bills; studies actually show that drivers with poor credit tend to file more insurance claims.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$160	Christina, 31 Zip: 70401	Mazda 6 Grand Touring	• State Minimum Liability • Comp / Collision
660 - 750	Clearcover	$123	Christina, 29 Zip: 70401	Hyundai Genesis Coupe 3.8L	• State Minimum Liability
660 - 750	National General	$154	Joshua, 29 Zip: 70401	Hyundai Genesis Coupe 3.8L	• State Minimum Liability
550 - 659	National General	$159	Myra, 48 Zip: 70403	Ford Fusion SE	• State Minimum Liability
< 550	Clearcover	$227	Viola, 27 Zip: 70403	Nissan Sentra S	• State Minimum Liability • Comp / Collision

Last Updated Dec 27, 2024

Cheap car insurance quotes in Hammond for popular cars

We’ll keep it simple: the more your vehicle costs to repair, the more it costs to insure.

This means that you’ll pay a higher rate if you drive:

A brand-new vehicle

A luxury car

A sports car

A hybrid or electric vehicle

Any vehicle with hard-to-source components

If you drive one of Hammond’s most popular models, you’ll likely see more moderate insurance rates, thanks to the wide availability of parts and lower cost of repairs.

Matthew Boudreaux, Public Information Director at the Louisiana Department of Motor Vehicles, says that the humble

Honda Accord

is the most popular car in the Pelican State, followed by the

Toyota Camry

and

Nissan Altima

Other popular choices in Hammond and throughout the state of Louisiana include

Ford F-150

Chevy Silverado

, or

GMC Sierra 1500

MORE:

How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Buick Lucerne CX	Progressive	$64	Lucas, 35 Zip: 70403	• State Minimum Liability • Comp / Collision

Last Updated Dec 29, 2024

Cheapest car insurance in Hammond for new vs. old car

In general, new cars cost more to insure than older models. That’s because new cars have a higher value and are more likely to come with brand-new tech that’s costly to repair or replace.

Our research indicates that in Hammond, the monthly insurance cost for a car older than 10 years is approximately $130. However, the average cost rises to around $218 per month for insuring a car less than four years old.

Progressive

Leroy (62 years old)

2018 Mitsubishi Outlander Sport ES

Coverage

State Minimum

Hammond, LA
(Zip Code: 70401)

$82

per month

Bristol West

Todd (24 years old)

2014 Dodge Challenger SXT

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

$214

per month

National General

Lela (21 years old)

2011 Ford F-150

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

$175

per month

Clearcover

Rhoda (48 years old)

2004 Mercury Sable LS Premium

Coverage

State Minimum

Hammond, LA
(Zip Code: 70403)

$110

per month

Electric

Edward (41 years old)

2019 Ford Fusion SE

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Hammond, LA
(Zip Code: 70403)

$550

per month

How to lower car insurance costs in Hammond

1. Shop around and compare quotes

Paying for car insurance is no cakewalk in Hammond. Each insurance company uses different rules to determine your premium, and these rules are subject to frequent changes.

To ensure you have the cheapest car insurance possible, experts advise comparing quotes from at least three different companies and reviewing rates every six months.

Luckily, Jerry makes this process easy! In just 45 seconds, Jerry gathers quotes from a vast network of over 55 leading insurance providers, helping you discover the best auto insurance coverage at the best price. What's more, Jerry offers this invaluable service free of charge!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. If you have a clean driving record with no accidents or traffic violations in Hammond, insurers may offer discounts as a reward for your safe driving habits.

Telematics discounts. Some insurance companies provide discounts to policyholders who use telematics. These devices monitor driving behavior, such as speed, mileage, and braking patterns, and can lead to discounts for safe driving practices.

Good student discounts. Some insurance companies offer discounts to students who maintain good grades.

3. Increase your deductible for comprehensive and collision coverage

In a pinch, raising your full coverage deductible in Hammond could shave a small amount off of your usual costs.

MORE:

How to choose a car insurance deductible

Learn more:

11 Ways to lower car insurance

Why is car insurance in Hammond so expensive?

Auto insurance rates are on the rise everywhere—but Louisiana is one of the most expensive states in the country for car insurance. Here are a few reasons why insurance in Hammond can be costly:

Higher motor vehicle fatality rates: In 2021, the Department of Transportation reported 887 fatal crashes in Louisiana resulting in 972 deaths. That’s 21 deaths per 100,000 residents—over twice the national average.

More drivers per capita: Louisiana has a higher-than-average number of licensed drivers, leading to a higher risk of accidents.

More expensive medical care: According to a 2022 report from Forbes Advisor, Louisiana has the second-highest healthcare costs of any state. Steep medical bills lead to higher liability insurance costs in Hammond.

FAQ

What is the cheapest car insurance in Hammond?

Based on thousands of Hammond drivers Jerry has worked with, car insurance in Hammondcosts an average of $149 per month for state-minimum coverage and $218 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 Hammond?

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. Bristol West, Kemper, and National General One Choice receive good ratings from Hammond 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 Hammond, Louisiana?

In Hammond, Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following:

$15,000 of

bodily injury liability coverage

per person

$30,000 of bodily injury liability coverage per accident

$25,000 of

property damage liability coverage

per accident

How much is car insurance in Hammond?

People living in Hammond pay on average $149 per month – or $1,791 per year – on state-minimum liability coverage. Full coverage in Hammond costs on average $218 per month of $2,612 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.

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.