Is Mississippi a no-fault state?

No, according to Mississippi’s car insurance laws, Mississippi is an at-fault state. That means that the person who causes an accident is responsible for the costs of all involved parties.

What are the car insurance requirements in Mississippi?

The Mississippi Insurance Department states that all drivers must carry the state’s minimum liability coverage, which includes $25,000 per person in bodily injury liability coverage, $50,000 per accident in bodily injury liability coverage, and $25,000 per accident in property damage liability coverage. This amount of coverage is often expressed as 25/50/25. As a driver in Mississippi, the easiest way to satisfy these requirements is by purchasing an insurance policy that meets or exceeds the mandated coverage limits. But, technically speaking, that’s not your only option. Drivers may also satisfy the state’s insurance requirements by either securing a bond that meets the same specified amounts for bodily injury and property damage coverage, or by depositing an equivalent amount in cash or security to meet the minimum requirements.

Does insurance follow the car or the driver in Mississippi?

Generally, a standard car insurance policy will follow the car —that’s why you have to provide the VIN when you purchase insurance. However, if you don’t own a vehicle, you can purchase a non-owner policy to supplement any insurance on a car that you borrow.

Do you need uninsured/underinsured motorist coverage in Mississippi?

Mississippi’s insurance minimums do not include set amounts of uninsured or underinsured motorist coverage (UM/UIM coverage). But it’s always a good idea to invest in this type of insurance, which can offer financial protection if you’re in an accident with another driver who lacks insurance coverage. In Mississippi, nearly 30% of drivers on the road are uninsured or underinsured—the highest percentage of any state in the country.

What are the best car insurance companies in Mississippi?

Companies like Progressive, GEICO, and USAA are widely regarded as offering the cheapest rates in Mississippi. When it comes to finding cheap auto insurance, however, it’s important to do your research—every insurer calculates their rates a little differently, which is why comparing quotes from multiple providers is the only way to ensure you’re paying the absolute lowest price for coverage.

Is Mississippi a “no pay, no play” state?

No. Mississippi is an at-fault or “tort” state, which means drivers found at fault in a car accident (along with their insurance companies) are liable for covering the cost of damages to injured parties. Unlike Mississippi, no-fault states (sometimes called “no pay, no play” states) require individual drivers to defer to their own insurance providers for compensation following an accident, regardless of fault.

How long does an accident remain on your record in Mississippi?

An at-fault accident could remain on your Mississippi driving record for as long as five years. During that time, insurance providers may charge elevated premiums to provide you with coverage. The consequences of an at-fault accident in Mississippi highlight the importance of safe driving habits. Not only does a clean driving record result in lower insurance rates, but many insurance providers offer discounts to good drivers that maintain a clean record. If you find your rates have increased following an at-fault accident, you may still qualify for other discounts that can help you bring down your cost of car insurance. Some insurers, for example, offer discounts to drivers who participate in an approved defensive driving course.

What are the consequences of driving without insurance in Mississippi?

In Mississippi, driving without car insurance coverage is a misdemeanor offense. If you’re pulled over by law enforcement and fail to provide proof of insurance, you could face financial penalties upwards of $1,000 and the possibility of your driver's license being suspended.

Can you register a car in Mississippi without insurance?

Yes. Unlike other states, which typically require proof of insurance coverage to register your vehicle, Mississippi does not need you to purchase insurance coverage to register your car.

How long do you have to get insurance after buying a car in Mississippi?

After purchasing a new or used vehicle, drivers typically have 30 days or approximately one month to register the car and purchase the state’s minimum liability insurance.

Cheapest Car Insurance in Mississippi (2025)

Written by R.E. Fulton and 2 others

Updated Jan 14, 2025

Cheapest Car Insurance in Mississippi (2025)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Mississippi.

Find insurance savings

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Written by R.E. Fulton and 2 others

Updated Jan 14, 2025

How to find the cheapest car insurance quotes in Mississippi

With hundreds of car insurance companies operating in the state of Mississippi, it can be overwhelming to consider all of your coverage options. Then, there’s the fact that every insurance company calculates its rates a little differently—making car insurance quotes as uniquely customized as individual drivers.

So how do you find the best cheap car insurance? Comparing quotes from multiple insurance providers is the most efficient way—and using Jerry can simplify the process even further. A trusted companion for insurance shoppers everywhere, Jerry Insurance Agency can collect quotes on your behalf, making shopping for car insurance easier than ever.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Progressive	$179	Christopher, 24, Batesville, MS	Dodge Durango Heat	State Minimum	Yes
Bluefire	$109	Susie, 41, Pascagoula, MS	Dodge Journey Se	State Minimum	No
Progressive	$172	Ryan, 39, Diberville, MS	Ford F-150 Supercrew	State Minimum	Yes
Mendota	$57	Carlos, 44, Houston, MS	Ford Fusion Se	State Minimum	No
National General	$219	Mollie, 45, Jackson, MS	Hyundai Sonata Se	State Minimum	Yes

Last Updated Jan, 2025

Compare car insurance qoutes now

Cheapest car insurance companies in Mississippi

Jerry conducted an extensive insurance shopping survey to determine which company offers the lowest rates in Mississippi.

The results? There is (unfortunately) no singular “cheapest” insurance company that can offer universally low rates to everyone. For example, even though Travelers is consistently considered one of the cheapest insurers in the country, Mississippi drivers only rated it a 4/5 when it came to policy costs.

Mississippi drivers gave these insurers high ratings for their policy costs:

Gainsco
Nationwide
ROOT
Safe Auto
The General

Explore feedback from drivers in Mississippi regarding these insurers and others:

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
USA Underwriters Insurance	November 6, 2024	4	“I haven’t had to use them, but so far they’re great!! “ -Lucas
Anchor General	November 5, 2024	5	“I love the price of the insurance and the online is fantastic. “ -Zachary
Bristol West	November 3, 2024	5	“Called around for months to find a good deal on auto insurance was able to get into contact with JERRY and they were amazing” -Miguel
Farmers	November 1, 2024	4	“I just got insurance for a reasonable after years of past wrecks and they made it easy for me to sign up “ -Robert
State Auto	October 27, 2024	5	“Thanks Acceptance and Jerry may god bless you all and may all stay safe and have a wonderful year with safe driving.” -Josie

How we gathered this data

Jerry conducted one of the largest car insurance surveys in the U.S., gathering insights from 45,000 policyholders across all 50 states over 24 months. These policyholders, insured by 87 different companies, shared their experiences to help us assess satisfaction in key areas: policy cost, customer service, buying and renewal processes, and claims handling. All scores reflect feedback from real customers.

Jerry’s free insurance comparison app simplifies comparing car insurance rates from multiple companies. With over 100+ licensed insurance agents, Jerry can also offer personalized service alongside our easy-to-use platform for comparing quotes.

Minimum car insurance requirements for liability and full coverage in Mississippi

In Mississippi, drivers must meet the state’s minimum car insurance requirements in order to take to the roads. Whether or not you opt for additional coverage, however, is up to you—although a full-coverage policy can offer greater protection to both you and your vehicle.

Cheapest minimum liability coverage in Mississippi

The minimum essential coverage required by all Mississippi drivers includes:

$25,000 per person / $50,000 per accident in bodily injury liability coverage
$25,000 per accident in property damage liability coverage

These coverages are commonly expressed more simply as 25/50/25. With Jerry’s assistance, car owners in Mississippi have obtained the necessary minimum liability coverage at a lower cost:

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

If you find yourself at fault in a serious accident, the state’s minimum coverages may not be sufficient to cover the costs of medical expenses or property damage to other drivers.

Once your insurance limits have been reached, your provider won’t contribute further support for accident-related expenses—which means you could be stuck paying out-of-pocket to cover any remaining costs.

Moreover, basic liability insurance won’t extend any type of coverage to your own medical costs or vehicle repairs. That’s why it’s recommended to purchase higher amounts of coverage, in addition to add-on coverages like comprehensive and collision coverage, to ensure adequate protection for both yourself and other drivers.

Cheapest full coverage Mississippi auto insurance quotes

To safeguard yourself from expenses associated with vehicle repairs or replacements, a full coverage car insurance policy is the best choice.

Full coverage policies typically include comprehensive and collision coverage, in addition to your state’s insurance minimums. Comprehensive coverage handles the cost of non-collision incidents—like theft or vandalism—while collision coverage takes care of repairs to your vehicle after an accident.

If you lease or finance your vehicle, your lender may even require you to carry these additional coverages before you can take possession of the car.

Although a full-coverage premium may cost more upfront, the extra peace of mind may be worth the additional cost. Jerry’s agents have assisted customers in finding the most affordable full coverage policies.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car

State Minimum	Yes	Progressive	$179	Christopher, 24, Batesville, MS	Dodge Durango Heat
State Minimum	No	Bluefire	$109	Susie, 41, Pascagoula, MS	Dodge Journey Se
State Minimum	Yes	Progressive	$172	Ryan, 39, Diberville, MS	Ford F-150 Supercrew
State Minimum	No	Mendota	$57	Carlos, 44, Houston, MS	Ford Fusion Se
State Minimum	Yes	National General	$219	Mollie, 45, Jackson, MS	Hyundai Sonata Se

Last Updated Jan, 2025

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

Jerry’s experience with Mississippi policyholders shows that the average cost of minimum liability insurance is around $100 per month, or $1,203 per year. Full coverage insurance, on the other hand, costs an average of approximately $2,139 per year, or around $178 per month.

While averages can offer a general estimation of your personal insurance costs, keep in mind that each driver’s premium is calculated based on individual factors such as demographics, driving history, eligibility for discounts, and other variables.

Mississippi car insurance: Additional coverages

Drivers have the option to enhance their vehicle’s protection by purchasing additional coverages for an extra premium. Some popular add-ons in Mississippi include:

Medical payments
Rental reimbursement
Roadside assistance
Uninsured motorist coverage (UM)

If the vehicle you drive is leased or financed, you should purchase gap coverage.

Gap coverage provides financial protection by covering the “gap” between your remaining loan balance and the actual cash value of your vehicle in the event of theft or a total loss.

Alternatively, if you frequently borrow or rent vehicles that are not your own, a non-owner car insurance policy may be a better choice. This type of policy provides you with liability coverage regardless of the vehicle you are driving.

Learn more: Types of insurance

Car insurance premium by rating factors

Car insurance companies consider a number of rating factors when determining your insurance premium. Rating factors are based on risk-related characteristics and can include:

Your driving record / claims history: Drivers with a history of accidents or violations often face higher premiums.
Your demographics: Age, gender, and marital status can impact the cost of your insurance.
Your location: City dwellers often face higher premiums due to elevated crime rates and higher population density.
Your mileage: A higher annual mileage can lead to increased insurance costs.
The make / model of your car: Luxury and high-performance vehicles typically have higher rates for collision and comprehensive coverage.
Your credit score: Good credit scores are typically associated with lower insurance rates, even for identical coverage.

Cheapest Mississippi car Insurance after a driving violation

Your Mississippi driving record is one of the biggest rating factors that can influence your car insurance costs. If insurance companies find a record of violations, they consider you a higher risk to insure—which can mean increased insurance costs.

Cheapest car insurance for Mississippi drivers with a speeding ticket

Even a minor speeding violation can lead to increased rates, while multiple infractions can cause your insurance costs to skyrocket. In Mississippi, your premium can increase as much as 23% following one speeding ticket.

Jerry has helped Mississippi drivers with speeding tickets lower their insurance costs:

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Speeding Violation-Minor	Progressive	$213	Gordon, 46, Gulfport, MS	State Minimum	Yes
Speeding 16-20	National General	$85	Marcus, 30, Lucedale, MS	State Minimum	No
Speeding 16-20	National General	$109	Ryan, 47, Kosciusko, MS	State Minimum	No
Speeding Violation-Major	Bristol West	$85	Charlie, 30, Ocean Springs, MS	State Minimum	No
Speeding Violation-Minor	National General	$57	Don, 27, Water Valley, MS	State Minimum	No

Last Updated Jan, 2025

How to find cheap Mississippi auto insurance after a DUI

The consequences of a Mississippi DUI conviction can extend beyond legal penalties, affecting your ability to obtain affordable car insurance coverage. If you have a DUI offense on your record, you may find that rates vary significantly between auto insurance companies—which is why comparing quotes is a necessity.

Through Jerry’s expertise and extensive network of insurance providers, many Mississippi drivers have been able to secure affordable auto insurance rates even after a DUI offense.

Mississippi SR-22 insurance

If you are found guilty of a major offense, like a DUI, you may be required to complete an SR-22 filing. An SR-22 form is a certification provided by insurance companies to confirm that you carry the minimum liability coverage mandated by the state.

Cheapest Mississippi auto Insurance after an at-fault accident

Similar to your driving record, your accident history can have a substantial impact on your car insurance costs.

Insurance companies will consider your history of at-fault accidents to gauge your level of risk—and recent at-fault incidents can lead to significant rate hikes.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

At Fault With No Injury	National General	$78	Austin, 30, Summit, MS	State Minimum	Yes
Not At Fault	Bristol West	$48	Madge, 67, Bay Saint Louis, MS	State Minimum	No
Not At Fault	First Acceptance	$82	Lula, 30, Tunica, MS	State Minimum	No
Not At Fault	Bristol West	$99	James, 48, Olive Branch, MS	State Minimum	No
At Fault With No Injury	Bluefire	$153	Dora, 59, Jackson, MS	State Minimum	Yes

Last Updated Jan 22, 2025

FAQ

Is Mississippi a no-fault state?

No, according to Mississippi’s car insurance laws, Mississippi is an at-fault state. That means that the person who causes an accident is responsible for the costs of all involved parties.

Cheapest auto insurance after other violations in Mississippi

In addition to speeding tickets and DUIs, different types of driving violations that can lead to higher car insurance expenses in Mississippi.

Jerry has assisted drivers in reducing their car insurance costs after various driving violations.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Other Minor	National General	$94	Lura, 36, Hattiesburg, MS	State Minimum	No
Driving on Sus. License	Bristol West	$169	Maurice, 46, Olive Branch, MS	State Minimum	No
Driving on Sus. License	National General	$74	Virgie, 44, Long Beach, MS	State Minimum	No
Unsafe Operation of a Motor Vehicle	Mendota	$74	Austin, 26, New Houlka, MS	State Minimum	No
Unsafe Operation of a Motor Vehicle	National General	$174	Rosetta, 46, Hattiesburg, MS	State Minimum	Yes

Last Updated Jan, 2025

Cheapest Mississippi auto insurance based on insurance history

A history of claims can mark you as high-risk to insurance providers—and so can your insurance history.

How long you have been insured and whether or not you’ve had any lapses in coverage are both important indicators to insurance companies about the type of customer you’re likely to be. That’s why drivers with a limited insurance history or a past lapse in coverage usually face higher costs for car insurance.

At Jerry, we recognize the importance of timely insurance payments and the necessity of avoiding coverage gaps. That’s why we offer payment reminders to eligible customers, ensuring you stay on top of your insurance responsibilities and maintain uninterrupted coverage.

We have assisted many customers without current insurance or with past coverage lapses to find savings on a new policy.

Cheapest car insurance for drivers with poor credit

Bad credit doesn’t necessarily make you a bad driver—but you could still wind up with higher insurance rates as a result. That’s because insurers have observed a correlation between poor credit scores and more frequent claim filing.

As a result, having a lower credit score can equate to higher annual premiums. Our data indicate that drivers with poor credit scores (below 550) generally experience car insurance rates that are approximately 20% higher than those with credit scores above 750.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

660-750	Bristol West	$108	Victoria, 61, Hernando, MS	Chevrolet Equinox Premier	State Minimum	Yes
660-750	National General	$202	Franklin, 62, Louin, MS	Chevrolet Tahoe C1500 Lt	State Minimum	Yes
660-750	Progressive	$80	Christina, 25, Lumberton, MS	Toyota Camry Le	State Minimum	Yes
550-659	National General	$111	Emily, 34, Long Beach, MS	Honda Civic Lx	State Minimum	Yes
550-659	Mendota	$50	Wesley, 29, Stewart, MS	Jeep Grand Cherokee Limit	State Minimum	No

Last Updated Jan 20, 2025

Cheapest Mississippi car insurance by age

Teen drivers in Mississippi pay more than any other age group in the state for car insurance coverage, although drivers over the age of 60 may also notice their rates going up.

Cheapest Mississippi car insurance for young drivers

Insurance rates for new drivers are some of the highest in Misssissippi and across the nation, due to limited driving history and heightened risk of collisions.

You may notice rates are lower while a teen still has their Mississippi learner’s permit—this reflects the fact that new drivers are operating a vehicle under supervision while they have their permit.

Still, new drivers’ rates will go up once they’re permitted to drive unsupervised. The good news is that these steep rates tend to drop off as drivers reach the age of 25.

For drivers new to the road, a full coverage policy is the safest way to send them off. Jerry can assist teenage drivers in finding the cheapest option for full-coverage policies.

Learn more: The best cheap car insurance for teens

Cheapest Mississippi car insurance for senior drivers

Just like teenage drivers, senior drivers are also perceived as a higher risk by insurance agencies.

This is because senior drivers are more prone to car accidents compared to other age groups, and those accidents often result in more severe injuries and higher medical expenses. As a result, insurance for senior drivers tends to be higher than the national average.

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

Your vehicle’s make and model can impact your car insurance premium. While insurance companies don’t actually care about the color of your car, they do consider factors such as associated repair costs, the risk of theft, and the overall safety record of the vehicle when determining your rates.

Some of the most popular car models among Mississippi drivers include:

Ford F-Series
Chevrolet Silverado
Ram 1500
Toyota Camry

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

Toyota Camry Le	Progressive	$80	Birdie, 25, Lumberton, MS	State Minimum	Yes
Toyota Camry	Progressive	$87	Jeanette, 31, Jackson, MS	State Minimum	Yes
Chevrolet Silverado C1500	National General	$94	Calvin, 36, Hattiesburg, MS	State Minimum	No
Toyota Camry Se	National General	$163	Phillip, 25, Houston, MS	State Minimum	Yes
Toyota Camry L	Bluefire	$181	Joel, 46, Newton, MS	State Minimum	Yes

Last Updated Jan 22, 2025

Learn more: How to get car insurance before buying a car

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

New vehicles tend to carry higher insurance costs compared to used or older models.

How to find cheap car insurance in Mississippi in your city

Your location also impacts your insurance premiums. Insurers often take into account factors like population density, accident rates, crime statistics, and even the climate where you live.

These variables can cause insurance costs to differ significantly among cities and even between zip codes.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage

Olive Branch, MS	James	Bristol West	$99	Ford Escape Se	State Minimum	No
Jackson, MS	Dora	Bluefire	$153	Ford F250 Super Duty	State Minimum	Yes
Como, MS	Brent	Progressive	$150	Ford Edge Sel	State Minimum	Yes
Columbus, MS	Eleanor	National General	$63	Chevrolet C1500	State Minimum	No
D'Iberville, MS	Ella	Progressive	$154	Honda Civic Sport	State Minimum	Yes

Last Updated Jan 21, 2025

How to lower the cost of car insurance in Mississippi

Lowering your car insurance costs in Mississippi doesn’t have to be hard. Jerry’s insurance experts recommend the following tips to find insurance savings:

Compare car insurance quotes from at least three to five different companies
Bundle your auto insurance with other types of coverage (like your homeowner’s insurance) to receive a discounted rate
Work on improving/maintaining a good credit score (650+)
Choose the maximum deductible that fits within your budget
Ask your insurance provider about your eligibility for car insurance discounts
Enroll in a defensive driving course
Consider dropping collision and comprehensive coverage on older or rarely driven vehicles

Why is car insurance so expensive in Mississippi?

Compared to other states, Mississippi sees the highest number of uninsured drivers on its roads. This contributes to higher insurance costs across the state—but it’s not the only reason premiums can get pricey.

Other reasons car insurance in Mississippi is so expensive include:

Expensive healthcare costs
Increased auto repair costs
Rate of car theft
Risky weather conditions

FAQ

What are the car insurance requirements in Mississippi?

The Mississippi Insurance Department states that all drivers must carry the state’s minimum liability coverage, which includes $25,000 per person in bodily injury liability coverage, $50,000 per accident in bodily injury liability coverage, and $25,000 per accident in property damage liability coverage. This amount of coverage is often expressed as 25/50/25.

As a driver in Mississippi, the easiest way to satisfy these requirements is by purchasing an insurance policy that meets or exceeds the mandated coverage limits.

But, technically speaking, that’s not your only option. Drivers may also satisfy the state’s insurance requirements by either securing a bond that meets the same specified amounts for bodily injury and property damage coverage, or by depositing an equivalent amount in cash or security to meet the minimum requirements.
Does insurance follow the car or the driver in Mississippi?

Generally, a standard car insurance policy will follow the car—that’s why you have to provide the VIN when you purchase insurance. However, if you don’t own a vehicle, you can purchase a non-owner policy to supplement any insurance on a car that you borrow.
Do you need uninsured/underinsured motorist coverage in Mississippi?

Mississippi’s insurance minimums do not include set amounts of uninsured or underinsured motorist coverage (UM/UIM coverage). But it’s always a good idea to invest in this type of insurance, which can offer financial protection if you’re in an accident with another driver who lacks insurance coverage. In Mississippi, nearly 30% of drivers on the road are uninsured or underinsured—the highest percentage of any state in the country.
What are the best car insurance companies in Mississippi?

Companies like Progressive, GEICO, and USAA are widely regarded as offering the cheapest rates in Mississippi. When it comes to finding cheap auto insurance, however, it’s important to do your research—every insurer calculates their rates a little differently, which is why comparing quotes from multiple providers is the only way to ensure you’re paying the absolute lowest price for coverage.
Is Mississippi a “no pay, no play” state?

No. Mississippi is an at-fault or “tort” state, which means drivers found at fault in a car accident (along with their insurance companies) are liable for covering the cost of damages to injured parties. Unlike Mississippi, no-fault states (sometimes called “no pay, no play” states) require individual drivers to defer to their own insurance providers for compensation following an accident, regardless of fault.
How long does an accident remain on your record in Mississippi?

An at-fault accident could remain on your Mississippi driving record for as long as five years. During that time, insurance providers may charge elevated premiums to provide you with coverage.

The consequences of an at-fault accident in Mississippi highlight the importance of safe driving habits. Not only does a clean driving record result in lower insurance rates, but many insurance providers offer discounts to good drivers that maintain a clean record.

If you find your rates have increased following an at-fault accident, you may still qualify for other discounts that can help you bring down your cost of car insurance. Some insurers, for example, offer discounts to drivers who participate in an approved defensive driving course.
What are the consequences of driving without insurance in Mississippi?

In Mississippi, driving without car insurance coverage is a misdemeanor offense. If you’re pulled over by law enforcement and fail to provide proof of insurance, you could face financial penalties upwards of $1,000 and the possibility of your driver’s license being suspended.
Can you register a car in Mississippi without insurance?

Yes. Unlike other states, which typically require proof of insurance coverage to register your vehicle, Mississippi does not need you to purchase insurance coverage to register your car.
How long do you have to get insurance after buying a car in Mississippi?

After purchasing a new or used vehicle, drivers typically have 30 days or approximately one month to register the car and purchase the state’s minimum liability insurance.

MEET OUR EXPERTS

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.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

^†Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.