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Cheapest Car Insurance in Tennessee (Feb 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Tennessee.
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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 Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Tennessee

While it would certainly make shopping easy, there’s no single car insurance company that offers the cheapest rates for everyone. That’s why it pays for drivers to
shop around
and
compare quotes
to find the best cheap auto insurance policy for them. 
Fortunately, Jerry makes it easy for Tennessee drivers to do just that—and once you find the policy you want at the right rate, our licensed insurance agents can help you cancel your old one.
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Allstate
$116
Chevrolet Tahoe C1500 LS
• State Minimum Liability
• Comp / Collision
Travelers
$105
Ford Escape SE
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$104
Toyota Tundra Crewmax 1794
• 100,000/300,000 Liability
• Comp / Collision
Gainsco
$359
Ford Fusion SE
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$139
Volkswagen Passat SEL
• 100,000/300,000 Liability
coverageLast Updated Feb 24, 2024

Cheapest car insurance companies in Tennessee

Here at Jerry, we wanted to find out what car insurance companies offered the cheapest car insurance rates in Tennessee, so we conducted the largest insurance shopping survey in the nation.
Our findings: Policyholders in Tennessee gave Bristol West, GEICO, and Travelers the highest rates for cost, customer service, and claims processing. 
After finding new car insurance policies with Jerry, here’s what Tennessee drivers have had to say about working with their providers.
Insurance companyDateCost rating (out of 5)What our customer said:
Elephant Auto Insurance
February 26, 2024
5
"Every time I needed something they have been great "
-Aaron
DirectAuto
February 24, 2024
3
"They are charging me 460$ a month which I think is insane."
-Jordan
Dairyland
February 23, 2024
5
"They were nice and courteous "
-Chad
Bristol West
February 23, 2024
5
"Good rates very affordable there when I need them "
-Owen
Allstate
February 16, 2024
5
"Appreciate the price reduction and customer support!!"
-Adele
coverageLast Updated Feb 26, 2024
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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.
The bottom line: Using a car insurance comparison app or website like Jerry makes it quick and easy to find the best car insurance company based on your profile and priorities.  
With a team of over
100+ licensed insurance agents
, Jerry’s end-to-end service can help you set up your new policy and cancel your old one.

Minimum liability and full coverage

Tennessee drivers need to be able to prove financial responsibility before they can legally hit the road—and the easiest way to do that is to purchase car insurance that meets
the state’s minimum requirements
.
In many cases, drivers will additionally benefit from full coverage or other optional coverage types.

Cheapest minimum liability coverage in Tennessee

In Tennessee, drivers must satisfy the state’s minimum car insurance requirements, which include the following liability limits:
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident  
You might see this coverage referred to as 25/50/25.
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Jayden (25 years old)
coverageCoverage
State Minimum
carToyota Avalon
$166
per month
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Adam (35 years old)
coverageCoverage
State Minimum
$75
per month
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Bobby (49 years old)
coverageCoverage
State Minimum
$72
per month
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Ellen (35 years old)
coverageCoverage
State Minimum
$123
per month
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Clearcover
Cornelia (22 years old)
coverageCoverage
State Minimum
carMitsubishi Outlander Sport ES
$128
per month
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Gainsco
Della (37 years old)
coverageCoverage
State Minimum
$200
per month

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

Generally speaking, most drivers would benefit from having more than Tennessee’s required 25/50/25 liability insurance.
The reason why: More severe accidents can easily exceed these limits, and if you were found at fault for an accident, you’d need to find another way to pay for others’ injuries and damages once that limit is reached.  And because
Tennessee’s car accident laws
allow drivers to file personal injury lawsuits up to three years after the actual accident, your liability can extend long beyond the original crash. 
For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
Lower my car insurance too!

Cheapest full coverage car insurance quotes in Tennessee

Liability coverage won’t cover damage to your own vehicle—you’d need collision and comprehensive coverage for that.
Full coverage car insurance
generally refers to a policy that includes both
comprehensive
and
collision coverage
. Collision coverage pays to repair or replace your vehicle after an accident, while comprehensive coverage applies to damages caused by a variety of other events, like theft, severe weather, or hitting an animal.
If you have a car loan: Lenders will require that you keep full coverage on your car for the duration of your loan.
Check out the rates other Tennessee drivers have found for full coverage car insurance with Jerry’s help.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$396
Chevrolet Camaro LT
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$104
Toyota Tundra Crewmax 1794
• State Minimum Liability
• Comp / Collision
National General
$230
Honda Pilot VP
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$359
Ford Fusion SE
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$71
KIA Soul
coverageLast Updated Feb 29, 2024

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

Jerry’s data shows that the average cost of car insurance in Tennessee is $105 monthly or $1,259 annually for minimum coverage. The average cost for a full coverage policy in Tennessee is $172 per month or $2,059 per year.
Keep in mind: Your own car insurance costs in Tennessee may fall above or below these averages based on rating factors specific to you, such as:
  • Where you keep your vehicle
  • What type of vehicle you drive
  • Your age, gender, and other demographics
  • Your driving record
  • Your insurance history
  • The coverage level you choose
  • The car insurance discounts you qualify for

Tennessee car insurance: Additional coverages

In addition to required liability coverage, there are a number of additional coverage options you can add to your car insurance policy in Tennessee, including: 
If you have a car loan: Car values can depreciate quickly, especially during the first several years of ownership. If your car ends up stolen or totaled when the value has become less than your loan balance,
gap insurance
can help you cover the difference.
If you don’t own a car but routinely borrow someone’s: Consider a
non-owner car insurance policy
, which will set you up with the liability coverage you need. You can also usually add optional coverage types, like medical payments coverage, if you prefer. However, you won’t be able to add vehicle-specific coverage, such as collision or comprehensive insurance, since the owner’s policy would need to have these protections in place.

Car insurance premium by rating factors

Tennessee car insurance companies will consider many factors to
calculate the cost of your premium
, including: 
  • Your vehicle type: Expect to pay more for collision and comprehensive coverage on luxury vehicles, sports cars, or high-value vehicles.
  • Where you keep your vehicle: Your city’s population density, car accident rates, and crime rates will influence your premium. Additionally, vehicles that can be stored in a secure garage will typically cost less to insure.
  • Your driving record: Numerous driving violations, especially severe ones, can put your rate on the rise.
  • Your claims history: Policyholders who have filed insurance claims in the past are considered more statistically likely to file them in the future.
  • What you use your vehicle for: Generally, a daily commuter car will cost more to insure than a secondary vehicle that’s only driven occasionally.
  • Your credit score: Policyholders with good credit are considered less likely to file claims, resulting in lower auto insurance costs.

How Do Different Factors Impact Your Car Insurance Costs in Tennessee?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Tennessee currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Tennessee:

Cheapest Tennessee car Insurance after a driving violation

Your
Tennessee driving record
will predictably have a notable influence on your car insurance rate. Racking up too many violations could send your insurance rate skyrocketing, so it pays to practice safe driving by following the rules of the road.

Cheapest car insurance for Tennessee drivers with a speeding ticket

A
Tennessee speeding ticket
usually causes car insurance rates to rise, but the severity will have an impact as well. You’ll likely see a steeper rate increase for driving 25 mph over the speed limit than you would for driving 5 mph over the speed limit. And if your speeding lands you with a
Tennessee reckless driving charge
, you’ll likely see an even higher rate. 
Pro tip: Shopping around for car insurance can still help you keep your car insurance costs affordable. Check out rates Tennessee drivers have found with Jerry, even after a speeding ticket.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Allstate
$238
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Travelers
$131
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Nationwide
$157
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
Bristol West
$229
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 27, 2024

Over 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:
The General
Love this company.
Jaylin
Progressive
Happy with my policy and cost!
Pamela
State Farm
Nice, reliable, and affordable.
Kobe
Progressive
Love the name your price tool and the savings you get with snapshot!
Kelley

Cheapest auto insurance in Tennessee after a DUI 

Under
Tennessee’s DUI laws
, driving under the influence can send car insurance premiums through the roof.
But by gathering quotes from multiple auto insurance companies, you increase the odds of finding an affordable car insurance policy.
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Luella (52 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationWoodbury, TN
carJeep Compass Latitude
$263
per month
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Barry (28 years old)
DUI
coverageCoverage
State Minimum
carMazda CX-9
$85
per month
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Bill (32 years old)
DUI
coverageCoverage
State Minimum
$299
per month
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Gainsco
Christina (42 years old)
DUI
coverageCoverage
State Minimum
$152
per month
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Evan (32 years old)
DUI
coverageCoverage
State Minimum
$90
per month
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Trexis
Alta (39 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carAcura 3.5RL
$110
per month

Tennessee SR-22 insurance

DUIs, reckless driving, and other severe violations can leave drivers subject to
Tennessee SR-22 requirements
. This can be challenging, because not all auto insurance companies offer SR-22 policies due to the increased level of risk.
At the same time, there are numerous providers that are willing to work with high-risk drivers, and some specialize in doing so. Comparing quotes from these providers can help you find an affordable policy.

Cheapest Tennessee auto insurance after an at-fault accident 

At-fault accidents can result in steep rate hikes from your car insurance company. 
If you recently had an accident and saw your car insurance rate increase, shopping around for new car insurance quotes might get you a better rate—like it did for these Tennessee policyholders:
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$98
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$123
• State Minimum Liability
• Comp / Collision
Not At Fault
Safeco
$104
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$79
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Bristol West
$99
• State Minimum Liability
coverageLast Updated Feb 26, 2024

FAQ

No, Tennessee is not a no-fault state, meaning that drivers aren’t required to carry no-fault
personal injury protection (PIP)
coverage. 
Yes. Drivers in Tennessee are required to purchase at least minimum liability car insurance in order to legally operate a vehicle. 
In most cases,
car insurance follows the car
in Tennessee. Basic coverage like liability, collision, and comprehensive insurance follow the insured vehicle—but medical payments or PIP coverage follow the insured driver. 

Cheapest auto insurance after other violations in Tennessee 

As you’d probably expect, driving violations can increase your car insurance rate—but the exact impact will likely depend on how many you have and their severity.
Here’s a look at rates Tennessee drivers have found after various types of violations with help from Jerry:
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$199
Ford F250 Super Duty
• State Minimum Liability
• Comp / Collision
Cell Phone
Safeco
$135
Ford Escape SE
• State Minimum Liability
• Comp / Collision
Defective Equipment
Allstate
$122
Chevrolet Malibu Limited LT
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Gainsco
$273
Honda Civic SI
• State Minimum Liability
• Comp / Collision
DUI
Bristol West
$65
Chevrolet Tahoe K1500
• State Minimum Liability
Failure to Obey Signal
Nationwide
$473
Honda Civic Sport
• 50,000/100,000 Liability
• Comp / Collision
Illegal Turn
National General
$191
Mazda CX-9
• State Minimum Liability
Improper Passing
Bristol West
$284
KIA Seltos SX
• 100,000/300,000 Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
Gainsco
$66
Chevrolet Trailblazer LS
• State Minimum Liability
Racing/Drag Racing
State Auto
$245
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
Reckless Driving
Gainsco
$231
Lexus RX 300
• State Minimum Liability
Speeding Violation-Major
Progressive
$166
Toyota Avalon
• State Minimum Liability
• Comp / Collision
Speeding Violation-Minor
Clearcover
$128
Mitsubishi Outlander Sport ES
• State Minimum Liability
• Comp / Collision
Suspension
Safeco
$66
Mercury Milan Premier
• State Minimum Liability
Wrong Way/Wrong Lane
National General
$124
Toyota Tacoma Double Cab
• State Minimum Liability
Other Minor
Allstate
$234
Ford F150 Supercrew
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 29, 2024

Cheapest Tennessee auto insurance based on insurance history

Car insurance providers prefer to see policyholders hold continuous car insurance over a certain period of time. On the contrary, having
lapses in your insurance coverage
could leave you with a more expensive premium.
If you’re shopping for car insurance for the first time: Start out strong by choosing a policy that’s right for your situation and your budget, then maintain consistent coverage to save more in the long run.
Jerry understands that missed payments could result in premature cancellation of your policy. That’s why we can send eligible customers payment reminders and late payment warnings to help you keep your coverage in good standing.
card cover
Leila (25 years old)
Currently Insured
coverageCoverage
State Minimum
carToyota Avalon
$166
per month
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Cole (22 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$473
per month
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Irene (34 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPowell, TN
$124
per month
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Allie (27 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$197
per month
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Clearcover
Jackson (22 years old)
Currently Insured
coverageCoverage
State Minimum
carMitsubishi Outlander Sport ES
$128
per month
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Lewis (29 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
carVolkswagen Passat SEL
$139
per month

Cheapest car insurance for drivers with poor credit 

Because policyholders with poor credit are statistically more likely to file insurance claims, taking steps to improve your credit score can help you find lower rates on car insurance. In the meantime, shopping around can still help you save if you have poor credit.
Take a look at the
auto insurance quotes
these Tennessee drivers with varying credit scores have found with Jerry.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$129
Nissan Rogue S
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Safeco
$104
Toyota Tundra Crewmax 1794
• 100,000/300,000 Liability
• Comp / Collision
550 - 659
Travelers
$105
Ford Escape SE
• 50,000/100,000 Liability
• Comp / Collision
< 550
National General
$68
RAM 1500 SLT
• State Minimum Liability
coverageLast Updated Feb 28, 2024

Cheapest Tennessee car insurance by age

Age isn’t everything, but it has a major impact on what you pay for auto insurance coverage.
Young drivers have the highest average car insurance premiums. Luckily, this is only temporary for safe drivers, as you can generally expect your car insurance rates to gradually decrease over time for most of your adult life.
By age 75, you can generally expect car insurance costs to rise again.
2
  

Cheapest Tennessee car insurance for young drivers

Teen drivers
pay the most for car insurance in Tennessee out of any age group.
Considering that teens are statistically far more likely to experience accidents, this doesn’t come as too much of a surprise. To help compensate, some young drivers might qualify for good student discounts or defensive driving course discounts.
That increased risk also makes it worthwhile to consider adding full coverage to a young driver’s policy—especially if they’re driving a vehicle that’s newer or carries a higher value.
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Margaret (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$396
per month
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Cynthia (22 years old)
coverageCoverage
State Minimum
locationRossville, TN
carToyota Corolla
$164
per month
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Melvin (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$97
per month
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Henry (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationRamer, TN
$259
per month
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Belle (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationHurricane Mills, TN
carFord F150 Supercrew
$200
per month
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Gainsco
Minerva (22 years old)
coverageCoverage
State Minimum
$92
per month

Cheapest Tennessee car insurance for senior drivers 

As drivers reach their mid-seventies, they can generally expect their car insurance rates to rise again, thanks to statistics. 
The increased likelihood for accidents—and for severe injuries if an accident happens—can make care insurance more expensive for seniors.
Fortunately, there are still plenty of ways to save, including by shopping around for new car insurance quotes. Check out the best rates senior drivers in Tennessee have found with Jerry’s help.
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Sara (71 years old)
coverageCoverage
State Minimum
carMazda MX-5 Miata Grand Touring
$76
per month
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Charles (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$219
per month
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Cornelia (74 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFord Edge SEL
$82
per month
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Roger (77 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$132
per month
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Myra (68 years old)
$66
per month
card cover
Cora (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carHyundai Kona SE
$129
per month

Over 3,500,000 customers and counting

We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
Progressive
Great experience.
Misty
Allstate
I've had nothing but a great experience so far.
Sebestian
State Farm
Great service!
Robin
Progressive
We saved by switching with Jerry!
Kala
Tennessee cheapest car insurance by location
Your location will have a significant impact on your car insurance costs in Tennessee. Drivers in
Memphis
might see different rates than those in
Nashville
or
Knoxville
.
Insurers will consider factors like your ZIP code’s:
  • Population density
  • Accident rates
  • Auto theft and other crime rates
  • Severe weather risks
Even within the same city, you might see ZIP codes with noticeably different average rates.
Take a look at how car insurance rates can vary across Tennessee. 
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Kingsport, TN
Barbara, 25
Progressive
$166
Toyota Avalon
• State Minimum Liability
• Comp / Collision
Nashville, TN
Larry, 37
Safeco
$104
Toyota Tundra Crewmax 1794
• 100,000/300,000 Liability
• Comp / Collision
Lebanon, TN
Ellen, 35
Nationwide
$123
Honda Pilot EXL
• State Minimum Liability
• Comp / Collision
Lawrenceburg, TN
Lewis, 27
Travelers
$105
Ford Escape SE
• 50,000/100,000 Liability
• Comp / Collision
Kingsport, TN
Ellen, 21
National General
$230
Honda Pilot VP
• State Minimum Liability
• Comp / Collision
Memphis, TN
Franklin, 26
Bristol West
$123
Ford Focus ZX4
• State Minimum Liability
Knoxville, TN
Lucy, 27
State Auto
$259
Honda Accord EXL
• 50,000/100,000 Liability
• Comp / Collision
Chattanooga, TN
Della, 37
Gainsco
$200
Hyundai Sonata GLS
• State Minimum Liability
• Comp / Collision
Elizabethton, TN
Carolyn, 35
Mercury
$206
Acura TLX Tech A
• 30,000/60,000 Liability
• Comp / Collision
Mcminnville, TN
Isabel, 61
Clearcover
$71
KIA Soul
• 100,000/300,000 Liability
• Comp / Collision
Murfreesboro, TN
Estella, 59
The General
$228
KIA Sportage LX
• State Minimum Liability
• Comp / Collision
Bluff City, TN
Isabel, 35
Dairyland
$212
Toyota Tacoma Double Cab
• 50,000/100,000 Liability
• Comp / Collision
Chattanooga, TN
George, 29
Assurance America
$141
Chevrolet Equinox LT
• State Minimum Liability
Franklin, TN
Maurice, 23
Trexis
$98
Ford Fusion SE
• 100,000/300,000 Liability
coverageLast Updated Feb 23, 2024

How to lower car insurance costs in Tennessee

Here are some tips from Jerry’s team of licensed insurance agents to help you save on car insurance in Tennessee:
  1. Gather and compare car insurance quotes from multiple providers.
  2. Bundle your car insurance
    with home insurance or renters insurance.
  3. Find out what
    other insurance discounts
    you’re eligible for—like safe driver discounts, low mileage discounts, auto-pay discounts, or safety feature discounts.
  4. Increase your deductible
    for your comprehensive and collision coverage.
  5. Take an approved
    defensive driving course
    —you might qualify for a discount. 
  6. Consider dropping collision and comprehensive coverage on older, low-value cars. 

Why is car insurance so expensive in Tennessee?

Because location plays a crucial role in determining your insurance rate, you might pay more for car insurance in Tennessee due to factors like:
  • Your city’s population density
  • Accident and crime rates
  • High number of uninsured drivers
  • Rising repair costs
  • Healthcare costs
  • Severe weather risks

FAQs

Jerry surveyed over 15,000 car insurance policyholders and found there’s no insurance provider that offers the cheapest rates for everyone. If drivers want to find savings on car insurance in Tennessee, comparing multiple quotes is the best way to do it. 
The average cost for full coverage car insurance in Tennessee is $[X] per year. For comparison, the national average is $[X] per year.
That said, your actual insurance costs in Tennessee will depend on a multitude of factors, like the type of car you drive, the city you live in, your driving record, and your demographics. Different auto insurance companies will weigh these factors differently, so you can often find cheaper car insurance by shopping around for car insurance quotes.
Tennessee drivers must have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and at least $25,000 in property damage liability coverage.
Tennessee law requires drivers to be able to prove financial responsibility whenever they’re driving, and the easiest way to do so is with a car insurance policy that meets the state’s minimum liability coverage requirements.
Proof of insurance isn’t required to register a vehicle in Tennessee, but you’ll still need to be able to provide proof of insurance whenever you’re behind the wheel.
It’s illegal to drive without insurance in Tennessee—even if it’s just home from the dealership. Always
purchase car insurance before buying a car

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

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
Lina Zhang
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Licensed Insurance Agent
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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.
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Josh Damico
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Head Of Insurance Operations
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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.