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Updated on Feb 7, 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 quotes in Michigan
Cheapest car insurance companies in Michigan
Michigan Car Insurance Coverage Requirements
Michigan Car Insurance Rating Factors
How Do Different Factors Impact Your Car Insurance Costs in Michigan?
Car Insurance for High-Risk Michigan Drivers
Car Insurance for Michigan Drivers With DUI
Car Insurance for Michigan Drivers With a Coverage Lapse
Car Insurance for Michigan Drivers With a Low Credit Score
Michigan Car Insurance Cost by Age
Michigan Car Insurance by Car
Is it cheaper to insure a new car or a used car?
Michigan Insurance Cost by Zip Code
How to lower the cost of car insurance in Michigan
FAQs
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in Michigan

Securing an affordable

car insurance

policy is a great way to keep your auto-related expenses as low as possible. However, there’s no singular “cheapest” car insurance provider for every driver. To make sure you’re getting the best price for customized coverage, carefully compare

auto insurance quotes

from various companies before choosing your favorite.

Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
February 6, 2025	Gainsco	$119	Brent, 31 Detroit, MI	Jeep Patriot Sport	• 25,000/50,000 Liability
January 27, 2025	Allstate	$229	Madge, 29 Clinton Township, MI	Ford F-150 Supercrew	• 100,000/300,000 Liability • Comp / Collision
January 26, 2025	Nationwide	$117	Cecelia, 71 Westland, MI	Ford Taurus SEL	• 250,000/500,000 Liability
January 21, 2025	Safeco	$202	Lilly, 64 Detroit, MI	Ford Taurus SEL	• State Minimum Liability
January 19, 2025	Progressive	$134	Edith, 36 Jackson, MI	Ford Escape SE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Feb 6, 2025

Compare car insurance quotes now

Cheapest car insurance companies in Michigan

To help you identify which auto insurance company offers the best rates in Michigan, Jerry conducted the nation’s largest insurance shopping survey.

The conclusion? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized.

Many drivers report that Travelers offers some of the lowest rates in Michigan, but other car owners note that their rates increase swiftly as you increase your coverage levels.

Nationwide, State Farm, Progressive, GEICO, and Allstate are some of the most popular Michigan auto insurance companies. Just take a look at what their customers had to say about these insurance options.

Insurance company	Date	City	Cost rating (out of 5)	What our customer said:
AAA	February 6, 2025	Lansing, MI	5	"I’ve been looking into getting renters insurance for awhile now, I went through the Jerry app and it was very easy an...(read more)" -Jared
Progressive	February 1, 2025	Belleville, MI	3	"Haven’t had any good nor bad experiences with progressive, I have only 1 ticket and for a simple mistake, the insuran...(read more)" -Michael
Anchor General	January 31, 2025	Alpena, MI	5	"Newer insurance so far so good. Much cheaper then most " -Jesse
Anchor General	January 29, 2025	Grand Rapids, MI	4	"Not a five star rating because I believe they can better their customer service. " -Lucille
Allstate	January 26, 2025	Dearborn, MI	4	"I have searched for a lot of insurances and this offer me the best price " -Lela

Last Updated Feb 6, 2025

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

If you’re looking for a fast and easy way to find the cheapest rates, try using a car insurance comparison app or website.

Jerry is a top-rated insurance agency that offers a straightforward app that auto owners can use to

shop for car insurance

and explore their motorist coverage options. Moreover, Jerry provides end-to-end service—helping you register for your new policy and even canceling your old one on request.

Minimum car insurance requirements for liability and full coverage in Michigan

Whether you’re from Detroit, Lansing, Ann Arbor, or somewhere in between, every Michigan driver is legally required to carry minimum liability coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and property protection insurance (PPI). However, you’ll likely want to consider additional coverage types—such as full coverage—depending on your specific needs.

Cheapest minimum liability coverage in Michigan

Before you can legally drive your car, you’ll need to secure a policy that meets

Michigan’s minimum liability coverage requirements

This includes $50,000 in bodily injury liability insurance per person, $100,000 per accident, and $15,000 of property damage liability coverage.

You’ll often hear this referred to as 50/100/15 coverage.

Take a look at some Michigan car owners who used Jerry to secure affordable minimum liability coverage.

Do you need more than the minimum liability insurance coverage in Michigan?

Most drivers in Michigan conclude that the best car insurance policy for them will include more than the state minimum coverage.

If you cause a collision, you could be responsible for medical bills and vehicle repairs that greatly exceed the 50/100/15 limit—especially if the other driver is seriously injured or the vehicle is totaled.

The bottom line: To ensure you’re fully protected, you should consider 100/300/100 liability coverage—even if you opt out of collision and/or comprehensive coverage.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Cheapest full coverage Michigan auto insurance quotes

But what happens if you’re injured, or your vehicle is damaged in an accident? That’s where full coverage car insurance comes in.

Full coverage auto insurance

includes comprehensive and collision coverage.

Collision coverage will help cover the cost of repairing or replacing your accident-damaged vehicle.

Comprehensive coverage pays for damage as the result of vandalism, environmental causes, and even theft.

If you purchase your vehicle using an auto loan, your loan provider will likely require that you purchase full coverage car insurance.

Take a look at the affordable full coverage policies that Jerry users secured.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$148	Gerald, 68 Prescott, MI	Jeep Cherokee Trailhawk
• State Minimum Liability • Comp / Collision	Allstate	$205	Joseph, 25 Sterling Heights, MI	Honda Civic LX
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$192	Danny, 44 Ypsilanti, MI	Suzuki SX4
• State Minimum Liability • Comp / Collision	Safeco	$157	Linnie, 25 Belmont, MI	Nissan Altima 2.5
• 25,000/50,000 Liability • Comp / Collision	AAA	$182	Ricky, 55 Detroit, MI	Infiniti M37 X

Last Updated Feb 3, 2025

Average rates for minimum liability coverage and full coverage car insurance in Michigan

Data shows that Michigan drivers pay an average monthly rate of $0 for liability-only policies (or $0 a year) and $0 per month (or $0 per year) for full-coverage policies.

Although average insurance rates can provide an estimation of your insurance expenses, it is essential to understand that individual drivers' insurance premiums are determined by several factors. These factors include the type of vehicle, driving record, claims history, and demographic information. Therefore, the final insurance costs for each driver can vary significantly based on these considerations.

Michigan car insurance: Additional coverages

Believe it or not, car insurance doesn’t stop with full coverage. Other valuable add ons include but are not limited to:

Medical payments

Personal injury protection (PIP)

Uninsured motorist / underinsured motorist

Towing and labor (roadside assistance)

Rental reimbursement coverage2

We highly recommend Michigan gap insurance for anyone who has a loan out on a recently-purchased vehicle. Gap insurance will cover you if you still owe more than what your car is valued at, in the event that your vehicle is totaled or stolen.

If you frequently rent or borrow vehicles instead of leasing or owning, non-owner car insurance is a great idea. This offers you liability coverage for bodily injury and property damage if you’re in an at-fault accident, but won’t cover damage to the vehicle you’re driving or pay to tend to your personal injuries.

MORE:

Types of insurance

Not in Michigan?

Wisconsin car insurance

Indiana car insurance

Ohio car insurance

Illinois car insurance

Iowa car insurance

Kentucky car insurance

Minnesota car insurance

West Virginia car insurance

Car insurance premium by rating factors

Factors that can impact your Michigan insurance rates include:

Driving record and claims history: Insurance providers may charge higher rates if your MIchigan driving record shows a history of accidents or traffic violations.

Location: Rates tend to be higher for drivers residing in cities compared to rural areas. Additionally, different ZIP codes within the same city may have varying insurance rates.

Vehicle type: Luxury cars, high-performance vehicles, and sports cars generally have higher insurance costs for collision and comprehensive coverage.

Usage of the vehicle: If you use your car for commuting to work or have a higher annual mileage, insurance companies may charge higher premiums compared to leisure usage.

Credit score: Drivers with higher credit scores typically pay less for the same coverage as it is considered an indicator of financial responsibility.

It's important to note that these factors can vary among insurance providers, so it's advisable to contact insurance companies directly or use online comparison tools to get personalized quotes based on your specific circumstances.

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

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

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

Learn more about the car insurance rating factors in Michigan:

How to find cheap Michigan car insurance if you’re a high-risk driver

Your driving history plays a significant role in determining your auto insurance quotes. If insurance companies observe a track record of violations, they consider you to be a higher risk driver, resulting in higher insurance rates being charged.

Cheapest car insurance for Michigan drivers with a speeding ticket

Speeding violations can be categorized into different degrees based on the extent of the speed limit exceeded. These categories typically include speeding 1-5 MPH over the limit, 6-10 MPH over the limit, 11-15 MPH over the limit, 16-20 MPH over the limit, and speeding over 21 MPH over the limit.

A moving violation will almost always impact your car insurance rates, but Jerry has successfully helped drivers with varying speeding tickets keep their rates as low as possible.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 1-5	Progressive	$163	Elmer, 24 Saginaw, MI	• State Minimum Liability • Comp / Collision
Speeding 6-10	Nationwide	$140	Alberta, 26 Westland, MI	• State Minimum Liability
Speeding 11-15	Bristol West	$529	Marvin, 25 Dearborn, MI	• 100,000/300,000 Liability • Comp / Collision
Speeding 16-20	Bristol West	$357	Dean, 22 Muskegon, MI	• State Minimum Liability • Comp / Collision
Speeding 21+	Progressive	$329	Dean, 22 Benton Harbor, MI	• 100,000/300,000 Liability • Comp / Collision

Last Updated Feb 5, 2025

Over 4,000,000 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:

Switching to National General was SO easy and it saved me over $100/month! I'm so glad I made the switch!

Courtney

Just switched over and so far I'm loving it

Justice

I absolutely love being with Liberty Mutual. They are always making sure I'm informed of any changes in the laws or my policy

Desiree

Excellent customer service and very helpful for finding the right policy and getting everything set up.

Tiandra

How to find cheap Michigan auto insurance after a DUI

Michigan DUI violation

typically leads to a higher increase in car insurance rates compared to other violations.

If you have a DUI offense on your record, insurance rates can vary significantly among different insurance companies. It may be necessary to compare rates from multiple insurers to find the cheapest options after a DUI.

Jerry has assisted numerous drivers in securing affordable auto insurance rates following a DUI.

Michigan SR-22 insurance

If you have been involved in a serious violation, such as a DUI, it is possible that you will need to fulfill a legal obligation known as an

SR-22 filing

. An SR-22 is a document provided by insurance companies to demonstrate that you possess the minimum liability insurance as mandated by Michigan law.

There are other circumstances where

Michigan SR-22 filings

may be necessary as well, including when your driving privileges have been suspended following a car crash or if you have been convicted for not having motor vehicle liability insurance on multiple occasions.

Cheapest Michigan auto Insurance after an at-fault accident

Your car accident or claim history is one of the crucial elements that significantly impact car insurance rates.

Insurance companies carefully assess your previous at-fault accidents to evaluate the level of risk you pose as an insured individual. If you have been involved in a recent at-fault accident, it is possible for your car insurance rates to dramatically increase.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$495	Allen, 26 Lansing, MI	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Nationwide	$186	Rhoda, 32 Detroit, MI	• State Minimum Liability • Comp / Collision
Not At Fault	Nationwide	$115	Julia, 56 Wyoming, MI	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Bristol West	$157	Minerva, 63 Pontiac, MI	• State Minimum Liability
At Fault With Injury	Bristol West	$75	Fannie, 63 Cadillac, MI	• State Minimum Liability

Last Updated Feb 5, 2025

FAQs

Is North Dakota an at-fault state?

North Dakota is a no-fault state: This means drivers are subject to more minimum insurance requirements than states that only require liability insurance—and as a result, the average insurance cost for minimum liability coverage is more expensive in North Dakota.

It also means that drivers involved in a

car accident in North Dakota

must turn to their own insurance first.

North Dakota uses a comparative fault system, so the amount of coverage you can receive from another driver’s insurance depends on the determined percentage of fault for each involved driver—including you.

Cheapest auto insurance after other violations in Michigan

Aside from speeding tickets and DUIs, other violations like

reckless driving

and driving on a suspended license can also result in increased car insurance costs in Michigan.

We have curated a list of different driving violations and how we assisted drivers in finding ways to save on their car insurance despite these infractions.

Cheapest Michigan auto insurance based on insurance history

Your insurance history plays a crucial role in determining your car insurance rates. It involves whether you are presently insured or not.

Typically, having a gap in your insurance coverage results in higher car insurance rates. To assist our customers in making timely insurance payments and avoiding

coverage lapses

, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if a customer has fallen behind on their payments.

We have successfully assisted numerous customers who are currently without insurance or have experienced a lapse in coverage in finding opportunities to save on a new policy.

Progressive

Elnora (50 years old)

Currently Insured

Coverage

State Minimum

Grand Rapids, MI

Ford Focus SE

$82

per month

Safeco

Eugene (34 years old)

Currently Insured

Coverage

State Minimum

Battle Creek, MI

Nissan Pathfinder S

$97

per month

National General

Luis (35 years old)

Currently Insured

Coverage

No Coverage

Grand Rapids, MI

Dodge Challenger

$109

per month

Bristol West

Helen (25 years old)

Not Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Dearborn, MI

Ford Mustang

$529

per month

Cheapest car insurance for drivers with poor credit

In Michigan, it’s illegal for car insurance companies to use your credit history to set your rates, deny your application, or raise your premiums on renewal. However, drivers with poor credit might still find that they pay higher rates due to related factors, such as insurance history and claims filing.

According to our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).

Over 4,000,000 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:

Got a car insurance quote in less than 15 min. In fact! I got several from Jerry.

Chad

Everything with liberty mutual has been effortless. I never had any issues since I switched from Progressive.

Miranda-1

They are great to work with and always on top of getting matters handled fast.

Robert-1

Loved the way their rep dealt with me. The cheapest quote as compared to all other companies. At least in Detroit, MI.

Asad

Cheapest Michigan car insurance by age

Insurance rates for new drivers

are notably steep owing to their limited driving experience. However, as individuals reach the age of 25, their insurance rates tend to decrease. Conversely, car insurance costs tend to rise again once individuals reach the age of 75.

Cheapest Michigan car insurance for young drivers

Teen drivers in MIchigan

typically pay the highest insurance rates out of any age group in the state.

Teenagers who own newer cars should opt for full coverage insurance as it provides better financial protection. This recommendation is based on the higher likelihood of teenagers being involved in accidents compared to other age groups.

MORE:

The best cheap car insurance for teens in 2023

Cheapest Michigan car insurance for senior drivers

Once individuals reach their mid-70s, car insurance rates begin to increase. This trend can be attributed to several factors that contribute to higher insurance costs for seniors.

Older drivers have a heightened vulnerability to accidents and are more prone to sustaining severe injuries in the event of a collision. Consequently, insurance providers incur significant medical expenses and experience elevated costs, leading to higher

car insurance rates for seniors

How to find car insurance discounts in Michigan for your motor vehicle

The vehicle you choose significantly influences your car insurance premiums. Various factors related to the type of car impact insurance costs, such as repair or replacement expenses, the probability of theft, and the overall safety performance of the vehicle.

Some of the most popular vehicles in the Great Lake State include:

Honda Civic

Nissan Rogue

Ford Bronco

Chevrolet Silverado 1500

Toyota Corolla

MORE:

How to get car insurance before buying a car

Is it cheaper to insure a new car or a used car?

Generally, insuring a new car tends to be more costly compared to an older car. Based on our findings, the average annual cost of full coverage insurance for a car over 10 years old in Michigan is about 22% less than the average cost of insuring a vehicle that is less than 4 years old.

How to find cheap car insurance in Michigan in your city

Insurance companies consider various factors when calculating your car insurance premium, one of which is the location where you store your vehicle.

Insurance costs can differ based on population density, accident rates, crime statistics, and weather conditions. Even within the same city, insurance premiums can vary across different zip codes.

Explore how Jerry Insurance Agency assisted drivers in various cities across Michigan in meeting their insurance requirements.

How to lower the cost of car insurance in Michigan

Jerry's team of licensed insurance agents provides valuable recommendations for reducing your car insurance expenses. Here are some common strategies they suggest:

Shop around and obtain quotes from multiple insurance providers to compare prices.

Bundle your car insurance with homeowners insurance to get a discount.

Explore potential car insurance discounts for which you may be eligible, such as good student discounts, good driver discounts, low mileage discounts, and discounts for vehicle adaptations like anti-theft devices.

Consider raising your deductible for comprehensive and collision coverage.

Work on improving your credit score, as it can positively impact your insurance premiums.

Enroll in a defensive driving course, which can lead to lower insurance rates.

Evaluate the possibility of dropping collision and comprehensive coverage for older cars.

MORE:

11 Ways to lower car insurance

Why is car insurance so expensive in Michigan?

The cost of car insurance in Michigan can be higher due to several factors, including:

Crowded cities: Cities with a high population density tend to have more traffic congestion and a higher probability of accidents, resulting in increased insurance premiums.

Uninsured drivers: The presence of uninsured drivers on the roads can pose financial risks for insurance companies, leading to higher overall insurance costs for everyone.

Expensive healthcare: The cost of healthcare in Michigan can impact insurance premiums, as medical expenses associated with accidents and injuries are factored into coverage costs.

More highway traffic: Michigan has a relatively higher density of highways, which can contribute to an increased frequency of accidents and subsequently drive up insurance rates.

Rate of car thefts: Areas with a higher incidence of car thefts can lead to increased insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.

High risk of natural disasters: Michigan is prone to natural disasters such as severe storms and floods, which can cause significant damage to vehicles. This increased risk contributes to higher insurance premiums.

Considering these factors, it’s not uncommon for car insurance in Michigan to be relatively expensive compared to other regions.

FAQs

How much is car insurance in Michigan?

Insurance rates for each individual differ across insurance companies as insurers consider multiple factors when determining pricing. We strongly advise you to explore and compare insurance rates from various providers. By shopping around and comparing quotes, you can find the insurance coverage that best suits your needs at a competitive price.

What is the average cost of car insurance In Michigan?

Michigan drivers pay an average monthly rate of $243 for liability-only policies (or $2,916 a year) and $463 per month (or $5,556 per year) for full-coverage policies.

Who has the best cheap car insurance in Michigan?

According to Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry—no one auto insurance company offers the cheapest car insurance rates for every driver.

To find the cheapest rates possible for you, you should compare car insurance quotes from multiple providers using a car insurance comparison app or website.

What is the minimum car insurance required in Michigan?

Michigan car insurance requirements are $50,000 per person for bodily injury liability, $100,000 of bodily injury liability per accident, and $15,000 of property damage liability per accident. Just remember the 50/100/15 rule!

Can you get car insurance without a license in MIchigan?

You may be able to purchase insurance on a car you own in Michigan if you don’t have a license, but you’ll need to list the primary driver on the policy and exclude yourself as a driver.

Do you need insurance to register a car in Michigan?

Yes. In fact, operating a vehicle without insurance in Michigan is considered a misdemeanor offense. If caught, you could face penalties such as a fine of up to $500 and/or imprisonment for up to one year. Additionally, your license may be suspended, and you will be unable to renew your license plates until you provide proof of insurance for your vehicle.

If you don’t already have a policy, you’ll need to

purchase car insurance before you buy a vehicle

Can your car get towed for no insurance in Michigan?

Yes—because driving without insurance is a misdemeanor charge, your car could be towed and impounded until your fees are paid and other necessary requirements are met.

Does insurance follow the car or the driver in Michigan?

In Michigan, the general rule is that auto no-fault insurance coverage primarily follows the driver. However, depending on the specific language in your insurance policy, it can also extend to cover the vehicle. Liability exposure typically encompasses both the driver and the vehicle.

For optional but highly significant insurance coverages such as uninsured, underinsured, and collision insurance, they can apply to both the driver and the car in Michigan. It is crucial to review the terms and conditions of your insurance policy to understand how coverage is allocated between the driver and the vehicle in different scenarios.

What does full coverage car insurance consist of in Michigan?

In Michigan, full coverage car insurance includes at least the minimum levels of liability coverage as well as comprehensive and collision insurance.

Can you have out of state car insurance in Michigan?

No matter what state you’re from, your standard United States car insurance policy will typically cover you when you travel in all 50 states and Canada.

In most cases, it is not advisable to have out-of-state car insurance if you are a resident of Michigan. However, there are certain exceptions to this rule. For instance, if you are a resident of two states or a member of the military stationed in another state, having out-of-state car insurance might be permissible. It is important to consult with your insurance provider and understand the specific regulations and requirements applicable to your situation to ensure compliance with the appropriate insurance guidelines.

What is the cheapest car insurance in Michigan?

To drive legally, all you need to purchase is the state-minimum liability insurance. However, this level of coverage can leave you vulnerable to expensive repair and medical bills after an at-fault accident, so we almost always recommend increasing your coverage.

Is PIP required in Michigan?

In Michigan, Personal Injury Protection (PIP) is a mandatory component of car insurance coverage. PIP coverage is designed to cover medical expenses for the driver and passengers of the insured vehicle. Additionally, it may provide compensation for lost wages and essential household services that are required as a result of the accident. One of the key advantages of PIP is that it can be utilized regardless of who is determined to be at fault in the accident. It serves as a vital safeguard to ensure individuals receive necessary medical care and support following a car accident in Michigan.

Can you have both PIP and MedPay in Michigan?

Yes! While MedPay isn’t a mandatory requirement for drivers in Michigan, it can still be a smart investment due to its affordability (it costs an estimated $10 per month).

Apart from covering hospital or doctors' bills, MedPay can also be utilized to pay deductibles or copays associated with other types of coverage, such as health insurance or PIP car insurance. Considering its relatively low cost, MedPay can provide valuable additional financial protection and help mitigate out-of-pocket expenses related to medical care.

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.

Learn more about our

insurance review board

and our

editorial standards

*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.