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Car Insurance Quotes - Compare 2021 Car Insurance Rates
Cheryl Knight · Writer · Apr 30, 2021
  • How to get cheap car insurance
  • Comparing insurance rates
  • Cheap car insurance FAQ
No one wants to overpay for car insurance! That’s why finding cheap car insurance is so important.
Almost every state has laws about the minimum amount of car insurance required to drive legally. To abide by these laws, stay protected, and secure the lowest premium, you can gather car insurance quotes online.
Jerry.ai is a free app that helps you compare quotes from up to 45 different insurance companies in under a minute. As a licensed broker, it takes care of your insurance needs from start to finish, and it monitors your car insurance rate every six months on an ongoing basis.
Its ease of use has earned it a 4.6/5 rating on the App Store with over 5,000 reviews, making Jerry the #1 highest-ranked insurance app in the U.S.

How to get cheap car insurance

To find the best cheap car insurance, you’ll need to compare car insurance policies from different carriers. Why? Car insurance companies look at many different factors to set premiums — where you live, how old you are, what car you drive, even your credit score.
Basically, insurance companies are trying to figure out how “high-risk” you are as a driver. If they think you’re low-risk and unlikely to get into an accident or file a claim, you’ll likely have cheaper car insurance.
But there’s a catch — insurance companies all use their own formulas to judge how high-risk you might be. These formulas weigh certain factors differently.
So while one auto insurance company might charge you a higher monthly premium because you live in a high-risk zip code and have bad credit, another company might charge you less because you’re a homeowner with a very safe car.
Furthermore, various carriers also have different discounts they may be able to apply to your policy.
For example, while men under the age of 25 tend to pay more for insurance than the average driver, a college student with good grades might qualify for a discount with certain providers. This may result in relatively cheap car insurance.
While you’re searching for cheap auto insurance, just make sure you’re not sacrificing quality or coverage for a lower rate. This could end up costing you more down the line if you need to pay out of pocket.
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Comparing insurance rates

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

Cheap car insurance FAQ

Who has the cheapest insurance?
The auto insurance company with the cheapest insurance will vary wildly depending on the driver. Luckily, Jerry.ai has access to thousands of quotes, so we can help you navigate the confusing and crowded auto insurance market.
Consider this five-star review from a Jerry user:
“They searched 40-some insurance companies and I was literally floored by the savings they accomplished for me. I was paying close to $690 every 6 months. I’m now only paying $380 every 6 months for the exact same coverage.”
Why does credit impact my car insurance rate?
It probably seems a little weird that car insurance companies use your credit score when they decide what to charge you for insurance. After all, you don’t drive with your credit card!
But car insurance companies crunch numbers and data to see which drivers are high-risk, or most likely to file a claim. These are the people who are charged higher premiums.
Most insurance companies have data that suggests people with lower credit scores are more likely to file claims, so they charge higher premiums to these drivers. Meanwhile, if you have a really good credit score, you may end up getting cheaper car insurance because of it.
What is the minimum car insurance I can have?
The minimum car insurance you need to drive legally differs from state to state.
In Virginia and New Hampshire, the law doesn’t require you to have any car insurance at all (but it still requires proof of financial responsibility). In all other states, there are laws around the coverage you must have.
But even with these differences, there are certain coverages that are standard: bodily injury liability, which insures at-fault individuals involved in an accident for injuries sustained by others, and property damage liability, which covers damage to other people’s property in an accident caused by the insured.
How can I lower my car insurance rate?
There are many ways you can lower your car insurance rate:
  • You can raise your deductible. This will reduce your premium, but you may have to pay more out of pocket in the event of an accident or damage.
  • You can opt for less coverage, but you should make sure you still have the protection you need.
  • You can change your payment plan or term. Most insurance companies give drivers a discount if they pay for a full year or a full six months all at once instead of making monthly payments.
Overall, the easiest, fastest way to lower your car insurance premium is to compare rates across different insurance providers. It’s very likely that you can get coverage equal to what you currently have, but with a lower price. Jerry.ai can help you compare rates and switch carriers.
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This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!
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Jerry.ai is the easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find savings (100% Free)
4.7/5 Rating on App Store