Is the Jerry App Legit?

Jerry is one of the largest insurance agencies, trusted by over 3.5 million drivers to find savings on car insurance and other car ownership expenses.

Learn more: Car insurance quotes—compare 2024 car insurance rates

Jerry’s an insurance broker with a game-changing app—here’s how it works

Jerry Insurance Agency is one of the largest insurance brokers licensed in all 50 states and Washington, D.C. with a team of 100+ licensed agents.

Jerry helps drivers find savings on car-related expenses including auto insurance through the Jerry app, available on iOS or Android. Customers can also shop for homeowners or renters insurance in the app.

How it works

When you download the Jerry app and create a driver profile, you’ll get real, customized quotes from 55+ of the best car insurance companies like Allstate, Progressive, AAA, Safeco, and Nationwide.

In addition to finding savings on car insurance, Jerry can also help you:

• Refinance your auto loan
• See your safety score on the road
• Earn perks like coupons and discount codes for safe driving
• Get clarity on car maintenance and repair costs for your vehicle

Jerry cuts the hassle and costs of car ownership and provides quotes for free.

What makes Jerry different from other insurance sites?

Plenty of sites advertise car insurance quotes and comparison services. Jerry has three advantages that make it a safer and more efficient way to shop for insurance:

• Jerry is an insurance agency: Most insurance comparison sites show you quotes and then direct you to an insurance carrier’s website to complete your purchase. At Jerry, we take care of the whole insurance process, from comparing quotes to locking in your coverage and canceling your old policy.
• Live customer service: Jerry’s 100+ licensed insurance agents are here to help our customers 7 days a week via text, email, phone, or chat in the app.
• Ongoing service needs for your policy: Once you’re set up with cheap car insurance, Jerry will send payment reminders, help you make changes to existing policies, and even help you submit claims to your insurer.

Who it’s for

Anyone with a valid driver’s license can use Jerry, but the app is especially good for anyone who:

• Has seen a recent increase in their insurance premiums
• Wants to save on insurance coverage without making any phone calls
• Wants support from a trustworthy agent who doesn’t work for a specific insurance provider
• Needs to renew their insurance policy but can’t find the time to visit a local agent
• Wants to be sure they’ve got the best rate without spending all day comparing quotes

How does Jerry make money?

The same way any insurance broker does: through commissions paid by insurance companies when users switch to their services through Jerry. Those commissions never affect the price you pay for coverage.

Insurance coverage types and pricing

Jerry helps users find savings on three main types of insurance: car insurance, homeowners insurance, and renters insurance.

Jerry helps you choose the right coverage level

When you compare quotes in the app, you may see three different coverage options:

• Basic: These policies include only the minimum coverage required by your state to keep your insurance rates as low as possible.
• Standard: $50,000 per person / $100,000 per accident of bodily injury liability coverage and full coverage including comprehensive coverage and collision insurance
• Preferred: $100,000 per person / $300,000 per accident of bodily injury liability and full coverage including comprehensive coverage and collision insurance

You can change your coverage limits in the app and remove or add coverages to customize your current policy to best fit your needs.

Learn more: Do you need full coverage car insurance?

Jerry saves the average driver over $600 (!) on car insurance

Check out the table below to see the insurance companies that our agency helped our customers place their policies with.

Your insurance savings depend on your driver profile and many other factors

The rate you pay for insurance through Jerry depends on a wide range of factors. The most important include:

• Driving record: Past accidents and recent tickets could raise your rate, but a clean driving record may qualify you for discounted premiums.
• Insurance claims history: If you’ve made claims on a prior policy, you’ll likely pay a higher rate.
• Location: Your ZIP code plays a huge role in setting rates due to state laws, accident statistics, and crime rates. Drivers in New York City tend to pay more than drivers in small-town Iowa.
• Years of driving experience: New drivers pose a higher risk for accidents and violations, so insurance companies tend to assign higher premiums based on experience.
• Vehicle year, make, and model: Insurance companies look at your vehicle’s risk factors, including age and engine size, when setting your rates. A new car typically costs more to insure.
• Credit score: Some states, including California, Hawaii, Massachusetts, and Michigan, prohibit the use of credit scores in insurance underwriting. Outside of those states, your credit score may play a big role in how much you’ll pay for coverage.
• Current insurance status: If your previous insurance provider does not receive payment on time, your policy may be canceled and you will have a lapse in coverage. Many insurance companies charge higher rates when there is a lapse.

Pros and cons: what Jerry’s users have to say

The highlights

We looked at 300+ reviews from the last six months and found that drivers’ favorite things about Jerry are fast response times, A+ communication from customer support, and seriously low rates. There’s a reason Jerry is the #1-rated insurance app on the App Store!

The trouble spots

Like all car insurance quotes, Jerry’s quotes are estimates based on the information provided at signup. In certain cases, you may see a minor change between your initial quote and final price—especially if your information is incomplete or you wait too long before switching.

How to optimize your quotes

Make sure the information in your driver profile is as accurate and complete as possible.

Keep in mind that auto insurance quotes are estimates and can change over time—so be ready to switch when you request quotes!

Jerry’s services are secure and comprehensive

Unlike other quote comparison tools or financial advice sites, Jerry is the only AllCar™ app designed to simplify all your car ownership costs in one place with real insurance quotes, loan refinance offers, and driving-related perks.

• Bank-level security: Many online insurance quote comparison services are actually lead generation websites designed to capture and sell your information. With Jerry’s DataLock Guarantee™, your information stays private, and every quote you find in the app is real.
• Multiple services for car owners: Even if you’re already paying the lowest rate for your current coverage, you can take advantage of Jerry’s other offerings: auto loan savings (LoanWise™), perks for being a safe driver (RideRewards™), and car repair and maintenance cost estimates (GarageGuard™).

MEET OUR EXPERTS

Bonnie Stinson

Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs. Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.

R.E. Fulton

• Licensed Insurance Agent

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.