2021: The Cheapest Car Insurance Available
- Cheapest Car Insurance by State
- Best Insurance Companies
- Save Money on Car Insurance
- Car Insurance Tips
- When to Shop for Insurance?
- Bad Driving Record?
Jerry can find you the cheapest car insurance available in under a minute. The average Jerry driver saves $879 a year.
If you’re searching for car insurance quotes online, cost is likely one of your primary concerns. And since every insurer offers something a bit different when it comes to coverage and discounts, it can be difficult to figure out who has the cheapest car insurance available.
But good news! The comparison app Jerry takes all the headaches out of finding and buying a car insurance policy. As a licensed broker, Jerry does all the heavy lifting—and even cancels your old policy if you decide to switch providers.
Finding the cheapest car insurance in your state
The minimum insurance requirements vary depending on where you live, and this can make a pretty big difference in the cost of your car insurance.
Here are the average car insurance rates by state. How does your current premium stack up?
Learn more about cheap car insurance in your state:
Cheap car insurance from the best providers
Shopping around is the best way to ensure you’re getting the coverage you need at the most affordable rate. But with so many different insurance companies, knowing where to begin your search can be tricky.
That’s when it’s good to have Jerry at your service. In less than a minute, Jerry compares quotes from more than 45 top insurance providers and presents you with competitive options.
And even after you switch, Jerry keeps the savings coming by reviewing your options every 6 months—so you can rest easy knowing that you’re never paying more than you should be.
If you’re looking for cheap car insurance, a comparison app like Jerry will take care of all the hard work for you—saving you time and money.
How to lower your car insurance costs
Once you’ve shopped around and found the lowest rate, there are a few more things you can do to get cheap car insurance.
Raise your deductible
Your deductible is what you pay when you file a claim before your insurance company kicks in. The standard deductible is typically $500—but the higher the deductible, the lower your rate (and vice versa).
On average, drivers who raise their insurance deductible from $500 to $1,000 save about 8–10%.
If you can afford it, increasing your deductible is an easy way to lower your annual insurance premium. But before you make any changes to your policy deductibles, consider the following:
- How much is your car worth?
- How much do you make each year?
- How much cash can you access if you need to pay for repairs on your car?
A higher deductible isn’t any good if you can’t afford to cover the cost after an accident.
Opting for liability insurance only
If you own your vehicle outright—that is, your car isn’t leased or financed—you have the option of only getting liability insurance.
But buyer beware. While declining comprehensive and collision insurance can save you on insurance costs, damage to your car won’t be covered if you get into an at-fault accident. Liability coverage only covers the other driver’s expenses.
Here’s what drivers are paying, on average, for liability coverage in your state:
Getting car insurance discounts
Most car insurance companies offer a plethora of discounts, which means that almost everyone qualifies for something. Discounts can typically be classified into the following categories:
- Driving history and habits
- Driver’s education
- Vehicle equipment
- Driver affiliations
- Customer loyalty
Here are some common discounts (though you may need to ask about them!):
Discount Who qualifies? Veterans/military personnel discount Drivers who are on active duty, retired from the military, or a member of the National Guard or Reserves. Full-time student discount Full-time students under the age of 25 who maintain at least a B average in their studies. Good driver discount Drivers who maintain a clean record with no claims and no accidents for at least 3 years. Defensive driving course discount Drivers who complete an approved defensive driving course. In some states, only drivers who are 50 and over are eligible for this discount. Safety feature discount Drivers with cars with safety features, such as daytime running lights, anti-lock brakes, and more airbags. Professional discount Drivers who are members of specific associations or professional groups, such as universities, unions, and the military. Multi-vehicle policy discount Drivers who insure more than one vehicle from the same household on the same policy. Bundling discount Drivers who insure multiple products with the same company. Common bundles include auto with home, renter’s, or condo insurance. Auto-pay discount Drivers who sign up for automatic monthly payments.
Factors to consider when choosing a car insurance provider
Finding cheap car insurance is well and good. But how much do you know about the company you’re buying it from?
If you get into an accident and need to file a claim, you want your insurance company to be there for you. That means being reliable, easy to contact, and offering great customer service.
Here are a few of the key factors you’ll want to consider when choosing an insurance company.
Cost: Cost might be your biggest factor when deciding on an insurance policy for your vehicle. And if the price is right, you might even be willing to forego some convenience to save money.
Reliability: The last thing you need after an accident is to be playing phone tag with your insurance company. Look for insurers who are known to be reliable and offer a good response time when it matters most.
Customer service: When they respond, it should be with good customer support. Look for companies that have a strong rating when it comes to customer service. Your state’s Department of Insurance website is a great starting point.
When to look for new car insurance
For most people, the topic of insurance only comes up once per year at renewal time. But even if you already have a great rate, getting quick car insurance quotes every so often can help ensure that you’re not overpaying for your coverage.
So, when should you compare rates and see what else is available?
When you move: You must notify your insurance company of any change of address—and depending on your new zip code, that could mean an increase in your premium. If that’s the case, shop around to see if you can find a better deal.
When your driving record improves: If your driving record has recently improved, chances are you’re eligible for cheaper coverage. This typically happens around three- and five-year anniversaries of moving violations.
When you pay off your car or get a new one: Check with your current insurer, as they might be able to reduce your rate. If not, it’s time to see what else is available.
When you get married: Single people tend to pay more for insurance than those who are married. If you’ve had a change in your marital status, you might qualify for a discounted premium.
Cheap car insurance by driving record
Having accidents, tickets, and serious violations like DUIs on your record can affect your ability to find cheap car insurance.
Speeding, distracted driving, and running a red light are all common moving violations. The penalties for them differ depending on your state laws, but most come with a certain number of points that remain on your record for a few years.
Here’s how much insurance companies typically charge you for having an offense on your record:
Does your credit score affect your auto rate? You might not realize it, but your credit score could impact the amount you pay for car insurance. But it’s not just your regular credit score—insurers use a credit-based auto insurance score to help them assess your risk level.
The long and short of it is this: the better credit you have, the more easily you’ll be able to find affordable full coverage car insurance.
Many companies offer free car insurance quotes to customers with bad credit, so you’ll be able to compare multiple companies to find the best rate. And some states, like California, don’t allow credit score to play a role in your insurance rate at all.
Here are some of the other factors that affect your premium:
Age. Young drivers almost always have higher insurance rates than mature drivers, mainly due to inexperience and risky driving behaviors. Drivers over the age of 65 also tend to pay more.
Zip code. Where you live matters when it comes to insurance. Factors like population density, traffic, crime rates, and how far you drive to work each day affect your premium.
Your vehicle. The year, make, and model of your car can play a big role in your insurance rates. Luxury and sports vehicles often cost more to insure since their repair costs are greater.
Annual mileage. The more you drive, the more likely you are to be in an accident. If you don’t drive often and clock under 7,500 miles each year, you might be able to save with a low-mileage insurance policy.
Marital status. Rates vary depending on where you live, but on average, married drivers pay 4% less for car insurance than single drivers.
Compare Car Insurance for Your Car
Frequently asked questions
How much does it cost to use Jerry?
Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
What kind of insurance can Jerry help with?
Jerry currently shops for car, home, renters, and umbrella insurance.
Which insurance companies will I get quotes from?
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at firstname.lastname@example.org or call 1-833-445-3779 (M-F 8am-5pm PT).
Does Jerry mark up the quotes from the insurance companies?
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Will Jerry sell my personal information? Will I be bombarded with phone calls and emails?
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
Do I have to wait until my current insurance policy is up for renewal before I can switch?
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Is Jerry a licensed insurance agent?
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
How is Jerry better than my local agents or the online price shopping sites?
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Will Jerry change my policy without my approval?
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
Will having Jerry shop for quotes affect my credit score or current insurance rate?
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
How can I contact customer service?
You can email the member service team at email@example.com or call 1-833-445-3779 (M-F 8am-5pm PT).
Is it smarter to have a $500 or $1000 deductible?
My wife and I have car insurance with a $500 deductible but we found out we can save almost $100 a month on our premiums if we make it $1000. Should we do that?
Jun 18, 2021
Why did I get denied for a car loan if I have a 690 credit score?
"I recently got denied a car loan with a 690 credit score. I've never missed a payment and make about $50,000 a year. Though, I do have 40% debt utilization on my credit cards. Why did I get denied for a car loan?"
Jun 17, 2021
Should I refinance my vehicle if lenders require me to extend the loan to 60 months?
"I got a 60-month loan with a 22.9% interest rate because of poor credit. I only have 24 months left on it. A local bank has now offered me a 5.99% rate if I extend the loan to 60 months. Should I still refinance my vehicle?"
Jun 17, 2021