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Cheapest car insurance in Buffalo, New York (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Buffalo, New York.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in Buffalo

Buffalo is the home of the Bills, the humble chicken wing—and some of the highest
car insurance
rates in
New York State
That’s right—while New York City takes the crown for the most expensive car insurance in the Empire State, Buffalo isn’t far behind. Local drivers pay around $254 per month for full coverage insurance and $145 per month for state minimum coverage—roughly 20% more than the state average. 
Heavy winters and a troubling motor vehicle theft trend contribute to Buffalo’s high car insurance prices—but drivers can combat those risk factors by shopping around for the best rates. Independent brokers like
Jerry
offer easy access to the cheapest rates on Buffalo car insurance, along with industry knowledge that can help you make the best pick. 
The table below shows real quotes that drivers found from Buffalo-area auto insurance companies in the past month using the Jerry app. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$130
Douglas, 28
Zip: 14214
Hyundai Elantra SE
• State Minimum Liability
• Comp / Collision
Safeco
$162
Milton, 32
Zip: 14222
Toyota Camry SE
• State Minimum Liability
• Comp / Collision
Nationwide
$125
Leona, 63
Zip: 14215
Dodge Grand Caravan SE
• State Minimum Liability
• Comp / Collision
Travelers
$72
Georgia, 32
Zip: 14217
Subaru Outback 2.5I Limited
• 500,000/500,000 Liability
• Comp / Collision
Plymouth Rock
$306
Mitchell, 34
Zip: 14207
BMW X3 xDrive35i
• State Minimum Liability
coverageLast Updated Jul 15, 2024

Best car insurance companies in Buffalo

No single company has the best rates for every driver in Buffalo—and the price of a policy isn’t the only thing that matters.
To help drivers in Buffalo find the right insurance company, Jerry conducted a nationwide survey of over 15,000 drivers, asking policyholders to rate their insurance company on costs, claims handling, customer service, and the ease of getting and renewing a policy. 
We combined the findings of the survey with real quote data from Buffalo-area drivers and found 10 companies that charge less than the citywide average for full coverage while receiving an overall score of 4 stars or higher in our customer survey.
Insurance company
Average annual full coverage rate in Buffalo
Jerry user rating
NYCM Insurance
$2,259
5 stars
Embark General
$1,973
4.6 stars
$2,011
4.6 stars
$2,077
4.6 stars
$1,842
4.5 stars
$2,170
4.5 stars
$1,460
4.3 stars
$1,613
4.2 stars
$2,110
4.2 stars
$3,028
4.1 stars
While well-known providers like Allstate and Nationwide received decent ratings, their prices were higher than some smaller local providers—and several big names, like GEICO, USAA, and State Farm, didn’t even make the cut. That doesn’t mean you can’t find good rates and good service from these companies—but our study shows that the cheapest car insurance companies are often the ones you’ve never heard of.
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Buffalo

Drivers in Buffalo are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.
At Jerry, our insurance agents recommend an auto insurance policy with full coverage and liability limits of 100k/300k/100k for most Buffalo drivers to account for the risks of winter weather and auto theft.

Cheap minimum liability insurance quotes in Buffalo

As per
New York car insurance laws
, Buffalo drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes: 
As of August 2023, all New York insurers will automatically include supplemental spousal liability insurance in all new car insurance policies unless this coverage is rejected in writing using the
Declination Form
.2 
Minimum coverage is the cheapest auto insurance available in Buffalo. For examples of what minimum coverage could cost you, check out the real quotes below. 
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Douglas (28 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14214)
carHyundai Elantra SE
$130
per month
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Etta (27 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14226)
carChevrolet Cruze LTZ
$174
per month
card cover
Milton (32 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14222)
carToyota Camry SE
$162
per month
card cover
Elizabeth (28 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14221)
carLand Rover Range Rover Sport HSE
$72
per month
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Myra (38 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14220)
carKIA Niro EX
$118
per month

Do you need more than minimum coverage in Buffalo?

New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Buffalo drivers.
Buffalo winters make full coverage auto insurance a non-negotiable for most drivers. State minimum insurance won’t cover any damage to your car, and unless you can afford to replace your car out of pocket or go without it for a while, a policy with collision and comprehensive coverage is a sound investment.  

Cheap full coverage car insurance quotes in Buffalo

New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
Full coverage includes
comprehensive
and
collision coverage
:
  • Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
  • Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Typically, leased or financed vehicles require collision and comprehensive coverage.
Browse the table below to see how Jerry’s agents recently helped Buffalo customers obtain affordable full coverage policies.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$130
Douglas, 28
Zip: 14214
Hyundai Elantra SE
• 500,000/500,000 Liability
• Comp / Collision
Travelers
$72
Georgia, 32
Zip: 14217
Subaru Outback 2.5I Limited
• State Minimum Liability
• Comp / Collision
Nationwide
$125
Leona, 63
Zip: 14215
Dodge Grand Caravan SE
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$313
Abbie, 28
Zip: 14211
Tesla Model 3
• State Minimum Liability
• Comp / Collision
Plymouth Rock
$118
Myra, 38
Zip: 14220
KIA Niro EX
coverageLast Updated Jul 20, 2024
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Average cost of car insurance in Buffalo

A full coverage car insurance policy in Buffalo costs an average of $254 per month, or $3,043 per year. That’s 20% higher than the state average of $2,533 per year, and 67% higher than the national average of $1,827. 
Even state minimum coverage is more expensive in Buffalo, thanks to New York’s steep no-fault requirements. A state minimum policy costs Buffalo drivers an average of $1,745 per year, or $145 per month—over twice the national average for minimum coverage. 
With Buffalo’s low overall cost of living, why is auto insurance so expensive? It comes down to two key factors skewing insurance rates in the Queen City: treacherous winters and rising auto theft rates

Buffalo winters drive up auto insurance costs

Buffalo’s winters are legendary—and not always in a good way. Stephen Vermette, professor of Geography at SUNY Buffalo State & Research Associate for Buffalo Society of Natural Sciences, ran
a complete analysis of Buffalo’s snowfall data
from 1965 to 2022 and found that:3 
  • Buffalo sees an average of 94.7 inches of snowfall per year—nearly twice the state average of 55.3 inches.4 
  • From November to March, Buffalo has an average of 70.7 days with at least one inch of snow cover.
  • Buffalo averages 6.5 lake effect snow events with at least seven inches of snow per year. 
Even though most Buffalo drivers are pros at navigating snowy roads, major snowstorms cause unavoidable threats to property—including your covered auto. Icy roads also increase the risk of car accidents, adding to the cost of both liability and full coverage insurance. 

Motor vehicle thefts are on the rise in Buffalo

The past four years have seen a significant increase in auto theft on Buffalo’s streets, driven in part by a viral trend of Hyundai and Kia thefts.5  Data from the National Insurance Crime Bureau shows thefts in the Buffalo metropolitan area climbing steadily from 2020 to 2022:6 
Year
2022
2021
2020
Total motor vehicle thefts
2,840
2,558
2,478
But in 2023, something changed. In May, the Buffalo Police Department reported that auto thefts had tripled from the previous year, with over 1,000 thefts reported in the first five months of the year alone.7 In mid-July, the Council on Criminal Justice reported a 135% increase in motor vehicle thefts in Buffalo from the first half of 2022 to the first half of 2023.8  And finally, in November, Buffalo police again reported an uptick in Hyundai and Kia thefts.9 
Experts still don’t understand what’s behind Buffalo’s sudden car theft problem—but insurers are taking note. The high cost of comprehensive insurance in Buffalo reflects insurance companies’ fears of losing money on stolen car claims. 

Average cost of car insurance in Buffalo by zip code

The cost of car insurance in Buffalo can greatly differ depending on your specific zip code. Each individual zip code within Buffalo has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
14043
$109
$215
14206
$191
$365
14210
$170
$208
14213
$167
$218
14214
$141
$268
14216
$150
$355
14217
$73
$146
14218
$101
$180
14220
$158
$181
14221
$137
$143
14222
$69
$178
14223
$119
$148
14224
$116
$183
14225
$122
$199
14226
$96
$181
14227
$122
$212

Car insurance quotes in Buffalo by rating factors 

Insurance companies in Buffalo use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Buffalo?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in Buffalo:

Cheap car insurance quotes in Buffalo after driving violations

Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include: 

Cheapest car insurance in Buffalo after speeding ticket

Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a
speeding ticket
will typically increase your car insurance premiums. Despite this, many drivers with varying speeding tickets have used Jerry to save on car insurance.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 11-15
Allstate
$313
Troy, 28
Zip: 14211
Tesla Model 3
• 100,000/300,000 Liability
• Comp / Collision
Speeding 16-20
Bristol West
$220
Lilly, 22
Zip: 14221
Ford Mustang
• State Minimum Liability
Speeding 21+
Progressive
$225
Elizabeth, 23
Zip: 14215
Jeep Grand Cherokee Laredo
• State Minimum Liability
coverageLast Updated Jul 15, 2024

Cheapest car insurance in Buffalo after DUI

A
DUI violation
will certainly skyrocket your car insurance rate in Buffalo. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.
While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
Jerry has successfully assisted countless drivers in acquiring cost-effective auto insurance rates following a DUI incident.
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Lula (28 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14228)
carJeep Renegade Latitude
$212
per month
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Eva (32 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationBuffalo, NY
(Zip Code: 14214)
carToyota Camry CE
$160
per month
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Scott (40 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14216)
carJeep Compass Latitude
$332
per month

Cheapest car insurance in Buffalo after an at-fault accident

Car accidents
on your claim history can significantly impact your car insurance rates in Buffalo. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. 
Even though New York is a
no-fault state
, Buffalo drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Having an at-fault accident on your record can lead to as much as 15% higher rates. 
Fortunately, Jerry has helped many Buffalo drivers find affordable rates even with at-fault accidents in the recent past.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$102
Lily, 61
Zip: 14221
Hyundai Santa FE GLS
• State Minimum Liability
At Fault With No Injury
Safeco
$131
Timothy, 30
Zip: 14225
Hyundai Elantra SEL
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Travelers
$98
Winnie, 33
Zip: 14226
RAM 1500 BIG Horn/lone Star
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$101
Clyde, 51
Zip: 14207
Saturn VUE
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 18, 2024

Cheapest car insurance in Buffalo after other driving violations

Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Buffalo.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$191
Olga, 25
Zip: 14211
Ford Focus SE
• State Minimum Liability
Driving on Sus. License
Progressive
$86
Jeffery, 39
Zip: 14213
Dodge Durango SXT
• State Minimum Liability
Failure to Obey Signal
Safeco
$178
John, 31
Zip: 14224
Chevrolet Equinox LT
• 100,000/300,000 Liability
• Comp / Collision
Seat Belt
Nationwide
$122
Amanda, 46
Zip: 14211
Audi Q7 Premium Plus
• State Minimum Liability
• Comp / Collision
Improper Passing
Plymouth Rock
$447
Roger, 40
Zip: 14216
Jeep Compass Latitude
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 20, 2024

Cheap car insurance quotes in Buffalo by age group

Young people and seniors generally face the highest insurance rates. 
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

Cheapest car insurance in Buffalo for young drivers

Car insurance can be high for everyone in Buffalo, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.
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Terry (24 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14210)
carChevrolet Trax LS
$250
per month
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Elsie (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBuffalo, NY
(Zip Code: 14203)
carToyota Corolla LE
$266
per month
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Robert (21 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14225)
carToyota Camry LE
$165
per month
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Maude (21 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14209)
carChevrolet Impala LT
$445
per month
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Adele (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBuffalo, NY
(Zip Code: 14215)
carKIA Sorento LX
$343
per month

Cheapest car insurance in Buffalo for senior drivers

Drivers can expect higher premiums once they reach 70 to 75 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.
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Lawrence (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBuffalo, NY
(Zip Code: 14220)
$153
per month
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Edna (68 years old)
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14214)
carBuick Lacrosse CXL
$107
per month

Cheap car insurance quotes in Buffalo based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
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Hallie (28 years old)
Currently Insured
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14214)
carHyundai Elantra SE
$130
per month
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Rebecca (32 years old)
Currently Insured
coverageCoverage
500,000 per person
500,000 per accident bodily injury
Comp / Collision
locationBuffalo, NY
(Zip Code: 14217)
carSubaru Outback 2.5I Limited
$72
per month
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Troy (28 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBuffalo, NY
(Zip Code: 14211)
carTesla Model 3
$313
per month
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Jackson (63 years old)
Currently Insured
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14215)
carDodge Grand Caravan SE
$125
per month
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Harriet (34 years old)
Currently Insured
coverageCoverage
State Minimum
locationBuffalo, NY
(Zip Code: 14207)
carBMW X3 xDrive35i
$306
per month

Cheap car insurance quotes in for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
A recent study by the Consumer Federation of America (CFA) found that New York drivers with bad credit (524-577) pay roughly 187% more for the same coverage compared to drivers with excellent credit (823+).10  The table below shows real rates that Buffalo drivers in various credit tiers found through Jerry. 
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$82
Thomas, 28
Zip: 14221
Land Rover Range Rover Sport HSE
• State Minimum Liability
660 - 750
Allstate
$313
Juan, 28
Zip: 14211
Tesla Model 3
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Nationwide
$262
Christine, 26
Zip: 14213
Dodge Charger SXT
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
AAA
$174
Chase, 59
Zip: 14214
Honda CR-V EX
• State Minimum Liability
• Comp / Collision
< 550
Bristol West
$254
Dollie, 46
Zip: 14220
Hyundai Santa FE GLS
• State Minimum Liability
coverageLast Updated Jul 16, 2024

How to lower car insurance costs in Buffalo

1. Shop around and compare quotes

With insurance companies raising rates to combat Buffalo’s major risk factors, the best way to find the lowest rates for car insurance in WNY is to
shop around
Comparison shopping becomes easier if you work with an independent broker. Jerry compares auto insurance quotes from trusted Buffalo-area providers using a single driver profile, giving your insurance search more reach and a higher chance of success. Like most brokers, Jerry doesn’t charge broker fees—you’ll pay the same amount you would if you went directly to the insurance company. 
app screenshot
Jerry automatically checks for offers you’re eligible for in the Buffalo area and shows multiple levels of coverage so you can find a policy that fits your insurance needs.
If you own your home, you can also search for car and homeowners insurance bundles.

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. If you remain accident- and violation-free for a set number of years (typically three to five) you may qualify for a discounted rate from your insurer.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Buffalo?

Drivers in Buffalo pay an average of $254 per month for full coverage auto insurance and $145 per month for state minimum coverage. 

What is the cheapest car insurance in Buffalo?

State minimum coverage, which costs an average of $145 per month, is the cheapest coverage option in Buffalo. Insurers like NYCM Insurance and Safeco typically offer the lowest rates for Buffalo car insurance. 

What is the minimum car insurance in Buffalo, New York?

New York state minimum car insurance includes liability insurance, no-fault personal injury protection (PIP), uninsured motorist coverage, and wrongful death benefits. 

What is the best car insurance in Buffalo?

The best car insurance companies in Buffalo, according to real drivers, are NYCM Insurance, Embark General, and Safeco Insurance. But every driver is different—the best way to find the right company for you is to compare rates and read reviews on the Jerry app. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65. 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Sources

Meet our experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
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.
avatar
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.