Compare Car Insurance Quotes
If you’ve never had to think about car insurance before, here’s how it all works: when you own a car, you must carry a certain amount of auto insurance in order to legally operate the vehicle. Your state sets certain
minimum coverage requirements
that you must meet, and you’ll pay a monthly or yearly car insurance premium to maintain that coverage. Here’s how much Jerry users pay (and save!) on their car insurance:| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| April 25, 2024 | Ford Taurus SES | $190/mo. | $116/mo. | Philadelphia, PA | 19142 | Lilly G. | 45 | Dairyland |
| April 24, 2024 | Jeep Liberty Sport | $146/mo. | $138/mo. | Phoenix, AZ | 85021 | Emilie G. | 28 | Bristol West |
| April 23, 2024 | Lexus LS 430 | $366/mo. | $171/mo. | Jonesboro, AR | 72401 | Susie C. | 48 | National General |
| April 19, 2024 | Gmc Terrain SLE | $370/mo. | $323/mo. | Calhoun, GA | 30701 | Fannie J. | 33 | The General |
| April 13, 2024 | Infiniti M45 | $400/mo. | $115/mo. | Ventura, CA | 93004 | Elmer D. | 23 | Aspire Advantage |
In return for that routine payment, your insurance provider agrees to cover the cost of any valid
car insurance claim
that you file—or that other drivers file for damages you caused. When you sign up for car insurance, you’ll get
an insurance card
and a declaration page
that lists all the essential details of your policy. Be sure to keep your insurance card or other valid proof of insurance in your vehicle at all times to avoid serious legal penalties. That’s about it! Ideally, you won’t need to think about your car insurance except when:
- You need to add a car or a new driver to your policy
- You need to file a claim following an accident
- You need to transfer your insurance to a new car
- You need to switch insurance companies to save money
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
Best Car Insurance Comparison Websites
At Jerry, we love comparing quotes—it’s why we exist! Comparing car insurance quotes can help you avoid overpaying, find better discounts, and narrow down the auto insurance companies with the best fit for your driving record, credit score, location, age, etc. Without comparing, you could be leaving savings on the table—or even sacrificing important coverage options to get an affordable rate!
But it’s important to be cautious of quote comparison sites, because they’re not all created equal. In fact, some aren’t really quote comparison websites—they’re lead generation sites that capture your personal data to sell to third parties and only show fake advertisements for the insurance you’re trying to get. Look out for sites that take your money in return for spam calls.
Jerry works differently. As a licensed insurance broker and legitimate quote comparison website, Jerry partners with over 55 actual insurance companies—from big names like Nationwide, Allstate, and Progressive to smaller local companies you might not think to get a quote from—and shows you real-time quotes based on your driver profile. We won’t waste your time with fake quotes, we won’t make you call for your final quote, and we won’t sell your personal information—ever.
How much does it cost to use Jerry?
Jerry’s insurance shopping platform is 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 more than 50 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 hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
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 see your insurance.
What’s more, we won’t stop at finding you one batch of quotes—Jerry protects you long-term from overpaying via routine price monitoring at each renewal period. Our team of expert insurance agents will also handle the bulk of the paperwork to switch you to a new policy so that you don’t have to:
- Get on the phone (seriously, no phone calls—unless you request one!)
- Fill out a mountain of paperwork
- Keep track of all the documents you need
There’s a reason Jerry is the #1 rated insurance app in the App Store—and the world’s first super app for car owners!
Compare Car Insurance Cost
Jerry can help you compare the cost of auto insurance by state, city, vehicle type, violations, age, and more to give you a better understanding of what determines your car insurance rates. Here’s how much car insurance costs, on average:
What does car insurance include?
Car insurance comes in a lot of different forms, but the three types of coverage that are most important to know are liability insurance, personal injury protection (PIP), and collision and comprehensive insurance. We’ll go over each in turn.
Car insurance comes in a lot of different forms, but the three types of coverage that are most important to know are liability insurance, personal injury protection (PIP), and collision and comprehensive insurance. We’ll go over each in turn.
How much car insurance do you need?
The bedrock of just about every car insurance policy is liability coverage. This type of insurance, which is a legal requirement in every state except
New Hampshire
, covers damages to other drivers if you’re at fault in an accident. In other words, if you cause injuries or property damage while driving your vehicle, the other party will be able to file a claim with the company that holds your liability policy. Liability insurance actually includes two separate types of insurance:
bodily injury liability coverage
, which pays for other drivers’ medical expenses, and property damage liability coverage
, which covers property damage (e.g. vehicles, fences, and other structures). And in some states, you might be required to buy uninsured motorist coverage
to cover yourself against accidents caused by drivers who don’t meet the liability requirements. Here's how much you can expect to pay for each:But liability insurance won’t cover any of your own expenses—not your medical bills, not your vehicle repairs, nothing. That’s why some states require personal injury protection (PIP) coverage. This no-fault insurance—that is, coverage that applies regardless of who caused the accident—covers medical payments, rehabilitation costs, and even funeral expenses for you and any passengers. It’s required in
no-fault states
like Florida, Massachusetts, and New York. Next up, we’ll compare the cost of auto insurance by state, city, vehicle type, violations, age, and more to give you a better understanding of what determines your car insurance rates.
Car insurance rates by state
Where you live determines your car insurance rate—and the state you live in is one of the biggest factors.
Michigan car insurance costs
, for instance, are usually above average because of steep requirements for minimum coverage. And the same can be said for other heavily populated states. Maine
and California car insurance costs
, on the other hand, see lower average rates due to low population density and less stringent coverage limits, respectively. See what car insurance costs look like in your state.
Car insurance rates by city
Within every state, average rates vary based on ZIP code. Why? Every ZIP code has a different level of risk from perils like car accidents, auto theft, and severe weather.
Detroit car insurance costs
, for instance, are influenced by ZIP codes with the highest average car insurance rates anywhere in the country. You can thank those high Michigan insurance requirements, but Detroit’s high rates of crime and car accidents also contribute to these sky-high premiums. In rural areas and smaller cities, on the other hand, rates tend to be lower due to a lower frequency of accidents. Compare the average
Amarillo car insurance cost
to the average Houston car insurance cost
, and you’ll see a major difference. Check out car insurance costs in some popular cities (or view the full list):
Car insurance cost by car
The type of car you drive also impacts the amount you pay for insurance. As an example, let’s compare a few of America’s favorite cars: the Honda Civic, the Ford F-150, and the Cadillac Escalade.
The Honda Civic is an affordable compact sedan with great safety ratings and a family-friendly reputation.
Honda Civic car insurance costs
are also some of the cheapest, because Civic drivers typically have fewer, and smaller, insurance claims—and repairs are comparatively cheap due to the wide availability of technicians and parts. The Ford F-150 isn’t just America’s Favorite Truck—it’s the most popular vehicle in the country, period. That keeps repair costs—and insurance premiums—low, since it’s easy to get this truck repaired in just about any shop. But the F-150’s macho image and—in some trims—its beefy V8 engine put insurance companies on the alert for dangerous driving, violations, and accidents. That means
Ford F-150 car insurance costs
will likely be on the higher side. Finally, we come to the
Cadillac Escalade insurance costs
, one of the most popular luxury vehicles in the country and just about the most expensive vehicle to insure
, thanks to expensive parts, lower availability, and less-than-stellar safety ratings. Want to see where your car falls on the spectrum? Take a look at the features below, or view the full list.
Car insurance cost with violations
Your driving history can make the difference between affordable premiums and rates that keep a stranglehold on your bank account.
That’s because car insurance companies use your history of accidents and infractions to calculate the level of risk you present. If you’ve got a lot of points on your driver’s license, they’ll see you as a higher risk and charge you more for the same insurance coverage.
A clean driving record
, on the other hand, can open you up to serious savings. In addition to avoiding unnecessary rate increases, safe driving could grant you eligibility for car insurance discounts. You could even earn instant rewards through a telematics program like Jerry’s Drive Well, Earn Perks! Car insurance cost after DUI
Not all violations have an equal effect on your car insurance premium. By far the most costly violation from an insurance perspective is
a DUI—a violation for driving under the influence
. Not only is a DUI a criminal offense, it could also raise your car insurance premium by an average of 80% or more. Yes, you read that right—your insurance could go up by over 80% over a single mistake.
| Carrier | Clean Record | After DUI | Annual Savings With Jerry |
|---|---|---|---|
| Libertymutual | $1,934 | $2,024 | $1,081 |
| State Farm | $1,934 | $2,024 | $1,081 |
| Safeco | $1,906 | $1,937 | $1,187 |
| Farmers | $1,934 | $2,024 | $1,081 |
| Elephant Auto Insurance | $1,934 | $2,024 | $1,081 |
| Madison Mutual | $1,934 | $2,024 | $1,081 |
| Nationwide | $1,804 | $1,955 | $1,106 |
| Mercury | $1,911 | $2,130 | $1,278 |
Car insurance cost after a speeding ticket
Even without a serious charge like a DUI on your record, you can pay a higher premium for violations like speeding tickets.
Car insurance premiums increase by 21% on average after a speeding ticket—and that increase could stay with you for years.
The points from a speeding ticket stay on your record
for an average of three years, meaning that you’ll be paying an elevated rate long afterward no matter how you drive. Oh, and if you’re caught speeding multiple times within that period, you can expect even higher premiums. | Carrier | Clean Record | After Speeding Ticket | Annual Savings With Jerry |
|---|---|---|---|
| AAA | $2,310 | $2,706 | $1,068 |
| National General | $1,834 | $2,042 | $1,246 |
| Mapfre | $1,799 | $2,102 | $757 |
| Mercury | $1,911 | $2,232 | $1,107 |
| Assurance America | $2,103 | $2,539 | $1,220 |
| Elephant Auto Insurance | $1,934 | $2,262 | $1,104 |
| Allstate | $2,004 | $2,125 | $1,017 |
| Freedom National | $1,934 | $2,262 | $1,104 |
Watch out for insurance fraud
Submitting an invalid car insurance claim is considered insurance fraud. Staging an accident is known as “hard fraud,” but even exaggerating the details of an accident to get a higher payout can be considered “soft” insurance fraud. Always be honest with your insurance provider.
Submitting an invalid car insurance claim is considered insurance fraud. Staging an accident is known as “hard fraud,” but even exaggerating the details of an accident to get a higher payout can be considered “soft” insurance fraud. Always be honest with your insurance provider.
When to shop for a new car insurance policy
Most people only think to shop for insurance when it’s time to renew their policy—but that’s not the only time when it’s smart to compare rates and save.
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.
When you need to save money: Insurance experts recommend searching for better car insurance every six months—and
Jerry
can do it for you in seconds! Jerry’s average annual savings of $800+ could make a big difference in your financial situation.Still have some questions?
Let Jerry help you find the answers
By R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Kathleen Flear, Director of Content.
- Compare Car Insurance Quotes
- Best Car Insurance Comparison Websites
- Compare Car Insurance Cost
- How much car insurance do you need?
- Car insurance rates by state
- Car insurance rates by city
- Car insurance cost by car
- Car insurance cost with violations
- Car insurance cost after DUI
- Car insurance cost after a speeding ticket
- When to shop for a new car insurance policy
Load full table of contents
