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Jerry Data & Research
Compare & Find the Cheapest Car Insurance in North Dakota (Nov 2024)
Compare & Find the Cheapest Car Insurance in North Dakota (Nov 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in North Dakota.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in North Dakota
- Cheapest car insurance companies in North Dakota
- North Dakota Car Insurance Coverage Requirements
- North Dakota Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in North Dakota ?
- Car Insurance for High-Risk North Dakota Drivers
- Car Insurance for North Dakota Drivers With DUI
- Car Insurance for North Dakota Drivers With a Coverage Lapse
- Car Insurance for North Dakota Drivers With a Low Credit Score
- North Dakota Car Insurance Cost by Age
- North Dakota Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- North Dakota Insurance Cost by Zip Code
- How to lower the cost of car insurance in North Dakota
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in North Dakota
No single car insurance provider offers the cheapest rates for everyone—that’s why it pays to shop around for cheap auto insurance quotes online and compare your options.
Jerry
makes shopping for car insurance
in North Dakota faster and easier than ever. In an instant, you can start comparing quotes from top providers to find the right level of coverage at the best available price.| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $219 | Olga, 30 | RAM 1500 SLT | • State Minimum Liability • Comp / Collision |
| Nationwide | $85 | Jeffrey, 26 | Chevrolet Traverse LT | • State Minimum Liability • Comp / Collision |
| Safeco | $138 | Seth, 35 | Hyundai Elantra SE | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $148 | Nathaniel, 66 | Chrysler 300 S | • 100,000/300,000 Liability • Comp / Collision |
| State Auto | $338 | Sam, 23 | Toyota Corolla L | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 26, 2024Cheapest car insurance companies in North Dakota
To find out which car insurance providers offer the cheapest premiums in North Dakota, Jerry conducted the nation’s largest insurance shopping survey.
The conclusion? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized.
The results: There’s no across-the-board “best” or “cheapest” car insurance provider—which makes sense, considering each one has its own methodology to determine rates.
National General, Progressive, and Travelers are all popular among North Dakota drivers—but the right provider for you depends on your coverage needs and what you’re looking for in a provider.
Just as important as a great rate is customer satisfaction. Here’s what car insurance customers have had to say about their experiences with different providers.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| State Farm | November 21, 2024 | 4 | "Not the best service but customer service has been great and I do enjoy the roadside assistance, even though I have u...(read more)" -Dominic |
| Madison Mutual | November 18, 2024 | 4 | "State liability minimum requirements " -Norman |
| Safeco | November 13, 2024 | 3 | "I need quotes now please " -Emily |
| Progressive | November 9, 2024 | 5 | "Switched to Progressive and was able to immediately reduce my car insurance by $30+ for the same coverage. Great cust...(read more)" -Mae |
| The General | November 8, 2024 | 5 | "Great" -Ophelia |
Last Updated Nov 21, 2024
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.
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.
The best—and fastest—way to compare
car insurance quotes
: Use a car insurance comparison app or website—like Jerry.As a
licensed insurance broker app
, Jerry allows you to quickly and easily find and compare car insurance quotes online. With the help of 100+ licensed insurance agents, Jerry can even help you switch to your new policy and cancel your old one.Minimum car insurance requirements for liability and full coverage in North Dakota
Most states require that drivers carry a minimum amount of
liability coverage
—and that includes North Dakota. North Dakota drivers must also carry uninsured/underinsured motorist coverage and personal injury protection (PIP). Cheapest minimum liability coverage in North Dakota
Before you can legally take to the streets of North Dakota, you’ll need to have a car insurance policy that satisfies the state’s minimum requirements
1
:- Uninsured motorist coverage / underinsured motorist coverage: $25,000 per person, $50,000 per accident
These coverage limits are commonly referred to as 25/50/25.
Jerry helps drivers find quotes for affordable car insurance that meets
North Dakota’s car insurance laws
.
Jeffrey (26 years old)
$85
per month
Do you need more than the minimum liability insurance coverage in North Dakota?
Most drivers will benefit from additional car insurance coverage in North Dakota.
That’s because more severe accidents could easily exceed the coverage limits of a minimum liability policy.
Plus, none of the required coverage types mentioned above will cover damages to your own vehicle—which could put you in a difficult financial situation if it’s totaled.
Even if you decide you don’t need full coverage, choosing higher limits can offer you better financial protection after an accident.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage North Dakota auto insurance quotes
Unlike a minimum liability policy, a full-coverage car insurance policy—which includes both
comprehensive coverage
and collision coverage
—will pay for damage to your own vehicle under a wide range of circumstances, such as crashes, severe weather, theft, and vandalism. Keep in mind: If are financing or leasing your car, lenders typically require that you carry full coverage insurance for the life of your loan or lease.
Luckily, Jerry makes it easy to find an affordable full-coverage car insurance policy in North Dakota.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $219 | Olga, 30 | RAM 1500 SLT |
• State Minimum Liability • Comp / Collision | Safeco | $181 | Luis, 27 Devils Lake, ND | Chrysler 200 C |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $216 | Marion, 37 | Chevrolet Equinox LTZ |
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $127 | Nettie, 31 | Chevrolet Traverse LS |
• 50,000/100,000 Liability • Comp / Collision | State Auto | $145 | Philip, 29 Watford City, ND | Ford F-150 Supercrew |
Last Updated Nov 20, 2024Average rates for minimum liability coverage and full coverage car insurance in North Dakota
In North Dakota, we've found that the average rate for minimum liability coverage is $0 per month or $0per year. The average cost for full coverage insurance in North Dakota is $0 per month or $0per year, according to Jerry’s data.
Remember: Your actual auto insurance coverage costs will depend on a variety of factors unique to your driver profile, including your driving record, vehicle type, claims history, demographics, and the coverage level you choose.
North Dakota car insurance: Additional coverages
In addition to collision and comprehensive coverage, there are plenty of other car insurance coverage options in North Dakota to consider, including:
If you have a car loan:
Gap insurance
is worth considering if it’s not already required. If your car is totaled and your loan balance is higher than the actual value of your vehicle, this coverage will help pay for the difference.How Do Different Factors Impact Your Car Insurance Costs in North Dakota ?
How Do Different Factors Impact Your Car Insurance Costs in North Dakota ?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): North Dakota currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in North Dakota:
How to find cheap North Dakota car insurance if you’re a high-risk driver
Your driving record helps give insurers a sense of your habits as a driver. If you have a series of violations on your record, you can expect to pay steeper rates for car insurance.
Cheapest car insurance for North Dakota drivers with a speeding ticket
Not all speeding violations are the same; after all, driving 20 mph over the speed limit is more serious than 6 mph over the speed limit.
While having a speeding ticket on your record will usually leave you with a more expensive premium,
shopping around for auto insurance quotes
can still help you find the best rates for your situation. Jerry has helped drivers with tickets find cheaper rates on car insurance—even with tickets on their records!
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | The General | $138 | Lucas, 30 Richardton, ND | • State Minimum Liability |
Speeding 6-10 | Nationwide | $213 | Troy, 48 New Town, ND | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | State Auto | $215 | Luke, 23 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Fast response to questions, problems solved quickly
John
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Safeco has provided great service as my current carrier.
Marcus
How to find cheap North Dakota auto insurance after a DUI
DUI violations result in some of the steepest car insurance rate increases. That said, seeking out multiple quotes can help you save as much as possible.
Compare quotes on the Jerry app to find the lowest rate on car insurance after a
DUI in North Dakota
.
Andrew (43 years old)
$162
per month
North Dakota SR-22 insurance
After a serious violation like a DUI, high-risk drivers may be required to
file an SR-22 certificate in North Dakota
.An SR-22 is filed on your behalf by your insurance provider to confirm you have car insurance coverage that meets North Dakota’s minimum requirements.
You might also need to file an SR-22 for:
- Getting into an accident without insurance
Cheapest North Dakota auto Insurance after an at-fault accident
Yet another major factor that will affect your North Dakota insurance premium is your accident or claims history.
Insurance providers will look at your at-fault accident history when determining your level of risk. They’ll also consider how often you’ve filed claims in the past.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With No Injury | Progressive | $181 | Marc, 24 | • State Minimum Liability • Comp / Collision |
Not At Fault | Nationwide | $121 | Gabriel, 53 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $138 | Todd, 34 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Safeco | $187 | Francis, 25 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024Cheapest auto insurance after other violations in North Dakota
Yet another major factor that will affect your North Dakota insurance premium is your accident or claims history.
Insurance providers will look at your at-fault accident history when determining your level of risk. They’ll also consider how often you’ve filed claims in the past.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Nationwide | $100 | Lenora, 43 Powers Lake, ND | Ford Explorer XLT | • 50,000/100,000 Liability • Comp / Collision |
Cell Phone | The General | $138 | Mabelle, 30 Richardton, ND | Jeep Grand Cherokee Limited | • State Minimum Liability |
DUI | State Auto | $162 | Hulda, 42 Hillsboro, ND | Chevrolet Silverado K1500 LT | • State Minimum Liability • Comp / Collision |
Failure to Stop | The General | $245 | Bradley, 43 | Ford Explorer XLT | • State Minimum Liability • Comp / Collision |
Improper Passing | The General | $138 | Lucille, 30 Richardton, ND | Jeep Grand Cherokee Limited | • State Minimum Liability |
Reckless Driving | Safeco | $181 | Emma, 26 Devils Lake, ND | Chrysler 200 C | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | State Auto | $215 | Steve, 23 | Mercedes-Benz C 300 4matic | • State Minimum Liability • Comp / Collision |
Speeding Violation-Minor | Allstate | $152 | Lillie, 27 | Ford Mustang | • State Minimum Liability • Comp / Collision |
Suspension | Allstate | $152 | Catherine, 27 | Ford Mustang | • State Minimum Liability • Comp / Collision |
Other Minor | Nationwide | $143 | Joshua, 25 | Hyundai Sonata GL | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024FAQs
Is North Dakota an at-fault state?
North Dakota is a no-fault state: This means drivers are subject to more minimum insurance requirements than states that only require liability insurance—and as a result, the average insurance cost for minimum liability coverage is more expensive in North Dakota.
It also means that drivers involved in a
car accident in North Dakota
must turn to their own insurance first. North Dakota uses a comparative fault system, so the amount of coverage you can receive from another driver’s insurance depends on the determined percentage of fault for each involved driver—including you.
Cheapest North Dakota auto insurance based on insurance history
Your insurance history can also have an impact on your current car insurance rate. For example, if you had a
lapse in insurance coverage
, you might have a more expensive premium than you would otherwise.Good news: Jerry sends customers payment reminders to help avoid missed or late payments, and ultimately, lapses in coverage.
But even if you have experienced a coverage lapse, you might still be able to find savings by shopping around.
Landon (29 years old)
$219
per month
Mitchell (44 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Jaguar XJL Portfolio$210
per month
Betty (36 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$216
per month
Dora (25 years old)
$85
per month
Cheapest car insurance for drivers with poor credit
In North Dakota, insurance companies are allowed to consider your credit history when determining your car insurance rate. Drivers with poor credit are statistically more likely to file insurance claims and often see higher rates as a result.
On the flip side, drivers with good credit will find it easier to get lower rates.
Our data shows that drivers with credit scores of 750 or higher see insurance costs that are almost 20% lower than the average cost for drivers with credit scores of 550 or lower.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | State Auto | $128 | Eugene, 30 | Subaru Forester Premium | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | State Auto | $83 | Ernest, 27 | KIA Sorento SX | • State Minimum Liability • Comp / Collision |
550 - 659 | State Auto | $338 | Gerald, 22 | Toyota Corolla L | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 26, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I always shared a good relationship with progressive
Jeffrey
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
I like this insurance a lot
Krista
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason
Cheapest North Dakota car insurance by age
Age plays a significant role in determining the cost of your car insurance premium.
Young drivers see some of the highest rates due to a lack of experience on the road (so far). Fortunately, by age 25, rates gradually start decreasing for safe drivers.
Car insurance for seniors
tends to rise around age 75.3
Cheapest North Dakota car insurance for young drivers
Teen drivers aged 16 to 19 will have the highest average insurance costs in North Dakota.
Because teen drivers are statistically more likely to get into accidents, full coverage is worth consideration—especially for those driving newer vehicles.
Milton (24 years old)
CoverageState Minimum
Minot Air Force Base, NDMitsubishi Lancer Evolution MR$90
per month
Nicholas (24 years old)
$215
per month
Sam (23 years old)
$338
per month
Nathan (23 years old)
$290
per month
Cheapest North Dakota car insurance for senior drivers
Car insurance rates generally start to rise again when drivers reach their mid-70s.
This is due to various factors, such as a higher risk of getting into an accident and a higher risk of sustaining severe injuries when accidents happen.
Eugene (65 years old)
$126
per month
Nathaniel (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$148
per month
How to find car insurance discounts in North Dakota for your motor vehicle
The vehicle you own also affects what you pay for car insurance. Insurers will look at your vehicle’s make and model, its age, its safety features, and its potential repair and replacement costs.
The most popular car models in North Dakota include:
- Ford F-150
- GMC Sierra
- Chevrolet Equinox
- Ram 1500
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 SLT | Progressive | $219 | Carlos, 29 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 26, 2024Is it cheaper to insure a new car or a used car?
New cars are typically more expensive to insure than older cars.
The average annual premium for a car older than 10 years old is $0 per year in North Dakota. The average cost for insuring a car less than 4 years old is about $0 per year.
Mable (35 years old)
1999 Chevrolet Tahoe K1500
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$81
per month
Lenora (24 years old)
$174
per month
How to find cheap car insurance in North Dakota in your city
Where you live is one of the many factors car insurance providers will look at when determining the cost of your premium.
Your area’s population density, local accident rates, crime rates, and risks for severe weather can all affect your car insurance costs. But in many cases, you can save if you’re able to keep your vehicle in a locked garage where it’s better protected from the elements and potential theft.
Here’s what Jerry drivers pay for car insurance in various locations throughout North Dakota.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Williston, ND | Dylan, 30 | Progressive | $219 | RAM 1500 SLT | • State Minimum Liability • Comp / Collision |
| Bismarck, ND | Jackson, 37 | Allstate | $216 | Chevrolet Equinox LTZ | • 50,000/100,000 Liability • Comp / Collision |
| Bismarck, ND | Lois, 31 | Nationwide | $127 | Chevrolet Traverse LS | • 100,000/300,000 Liability • Comp / Collision |
| Fargo, ND | Amanda, 42 | Safeco | $233 | Toyota Avalon XLE | • State Minimum Liability • Comp / Collision |
| Fargo, ND | Craig, 35 | Mercury | $135 | Hyundai Elantra SE | • State Minimum Liability |
| Minot, ND | Frances, 34 | Bristol West | $75 | Dodge RAM 2500 | • State Minimum Liability |
| Fargo, ND | Katharine, 30 | Infinity | $119 | Ford Focus Titanium | • 15,000/30,000 Liability • Comp / Collision |
| Fargo, ND | Randall, 28 | State Auto | $83 | KIA Sorento SX | • State Minimum Liability • Comp / Collision |
| Bismarck, ND | Estella, 36 | The General | $106 | GMC Yukon Denali XL | • State Minimum Liability |
| Grand Forks, ND | Eliza, 23 | Electric | $147 | Toyota Corolla L | • State Minimum Liability |
Last Updated Nov 26, 2024How to lower the cost of car insurance in North Dakota
Courtesy of Jerry’s team of licensed insurance agents, here are several ways you can cut down on your car insurance costs:
- Shop around and compare quotes from multiple insurance providers.
- Find out whichcar insurance discountsyou are eligible for—like good student discounts, safe driving discounts, and low mileage discounts.
- Bundle your car insurance with homeowners insurance or renters insurance to get a discount.
- Raise your comprehensive and collision coverage deductibles if it makes sense for your situation.
- Take steps to boost your credit score.
- Take an approved defensive driving course—many providers will reward you with a discount.
Why is car insurance so expensive in North Dakota?
There are plenty of factors outside your control that can affect your North Dakota insurance costs.
North Dakota drivers tend to have more reasonable insurance rates compared to drivers in many other states—still, here are some reasons your car insurance might seem expensive in North Dakota:
- Expensive healthcare: When the cost of medical care goes up, so does the cost of car insurance claims that involve injuries.
- Rising vehicle repair costs: Inflation has made the cost of car parts and repair services more expensive in North Dakota, like much of the country. When repairs are more expensive, insurance companies have to pay out higher amounts for each claim.
- Rate of car thefts: Car theft has steadily increased in North Dakota in recent years. According to F.B.I. crime data, the auto theft rate in 2020 was 271 vehicles per 100,000 people, compared to just 143.9 vehicles in 20114.
FAQs
How much is car insurance in North Dakota?
Car insurance costs in North Dakota will vary from driver to driver—and provider to provider. That said, the average car insurance cost for a minimum liability policy in North Dakota is about $X per year, or about $X per month. The average cost for full coverage in North Dakota is $X per year, or about $X per month.
What is the minimum car insurance in North Dakota?
In North Dakota, you’re required to carry car insurance coverage that meets the following minimum limits:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
Do you need insurance to register a car in North Dakota?
You do not need insurance to register a car in North Dakota—but it is illegal to drive without insurance. You will need to show proof of insurance if you’re in an accident or get pulled over by law enforcement.
Does insurance follow the car or the driver in North Dakota?
Standard car insurance policies usually follow the car rather than the driver, but this rule can vary depending on the circumstances and the coverage type in question.
If you lend someone your vehicle with permission, your own insurance will be treated as the primary coverage. On the other hand, if you borrow a vehicle, the owner’s insurance will be considered the primary insurance, while yours could be considered secondary coverage that could help cover any remaining costs.
1
What is full-coverage car insurance in North Dakota?
In North Dakota, full-coverage car insurance typically includes all of the following:
- Liability coverage
- Uninsured/underinsured motorist coverage
- Basic no-fault coverage
- Comprehensive coverage
- Collision coverage
What increases car insurance rates in North Dakota?
Your car insurance rate might go up in North Dakota for a variety of reasons. Here are just a few possibilities:
- You got into an accident
- You committed a moving violation
- You purchased, financed, or leased a new car
- You added another driver to your car insurance policy (especially if the driver is young or has a spotty driving record)
- You moved
Is it illegal to drive without insurance in North Dakota?
Yes, it is illegal to drive without insurance in North Dakota. Doing so could result in fines and a suspension of your license and registration. For a repeat offense, you could also face jail time.
What state has the worst insurance rates?
According to Jerry’s data, New York has the highest average cost of car insurance in the country. The average premium for a full-coverage policy with a clean driving record in New York is $X per year—the average in North Dakota is $X per year.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
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.
Meet our Experts
R.E. Fulton
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.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just 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.
Josh Damico
Head Of Insurance Operations
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.
Learn more
about our editorial standards, and our expert review board *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.