Is Texas an at-fault state?

Texas is an at-fault state: What this means is that drivers who are found at fault for an accident will be financially responsible for resulting injuries and property damage. Unlike in no-fault states, Texas drivers aren’t legally required to purchase no-fault insurance like personal injury protection (PIP)—but adding it to your policy is still a good idea. Regardless of fault, PIP can help supplement your health insurance if you’re injured in an accident or cover lost wages. The bottom line: Texas car insurance policies automatically include PIP, but the coverage isn’t legally required and drivers can choose to opt out. Still, it’s a good idea to keep this coverage, especially for drivers who don’t have health insurance.

How much is car insurance in Texas?

Each person’s insurance rates vary from one insurance company to another since providers use a variety of factors to determine insurance pricing. We recommend that you shop around and compare insurance rates from different insurance companies.

Who has the best cheap car insurance in Texas?

Jerry's survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry—shows there’s no single cheapest car insurance company in Texas for every person. That’s why the best way to find the cheapest car insurance in Texas is to compare car insurance quotes from multiple insurance carriers using a car insurance comparison app or website.

What is the minimum car insurance required in Texas?

By Texas’ car insurance laws, drivers must carry at least $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25.

What is full coverage car insurance consist of in Texas?

In Texas, full coverage car insurance includes the state’s mandatory minimum 30/60/25 liability coverage, collision coverage, and comprehensive coverage.

What does liability car insurance cover in Texas?

In Texas, liability car insurance covers medical payments and car repair costs for the other driver if you are involved in an at-fault accident. Liability coverage will not cover your medical bills or car repair expenses if you are found at-fault for an accident.

Do you need car insurance to register a car in Texas?

You will need your insurance card, proof of vehicle inspection, and proof of car ownership to register a car in Texas.

Can you get car insurance without a license in Texas?

You can get car insurance without a license in Texas, but you won’t be able to name yourself as the primary driver without a license. To purchase car insurance, someone with a valid Texas driver's license will need to be the named primary driver on the policy.

Is it illegal to not have car insurance in Texas?

To legally drive on Texas roads, drivers must have car insurance. You will be fined if you are caught driving without insurance in Texas. It is recommended that drivers get car insurance before buying a car or before they begin driving someone else’s vehicle.

Can your car get towed for no insurance in Texas?

If you get pulled over by police and you can’t show proof of insurance, your vehicle may be towed at your own expense, and you may also receive a citation

Does insurance follow the car or the driver in Texas?

According to Texas law, most policies cover you, your family, and people driving your car as long as they have your permission. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. But it can get nuanced when someone involved in an accident is excluded from coverage, or when you, the person borrowing your car, and the person at fault in the accident all carry insurance policies.

Can you have out of state car insurance in Texas?

Your standard car insurance policy will typically cover you when you travel in all 50 states and Canada. You generally should not have out-of-state car insurance if you live in Texas, but there are some exceptions to this—for example, if you are a resident of two states, or you are a member of the military stationed in another state.

Is PIP required in Texas?

All auto policies in Texas include PIP coverage, but you can sign a waiver to decline this coverage.

Can you have both PIP and MedPay in Texas?

Insurance companies are required to offer PIP in Texas, but not medical payment (MedPay) coverage. Both coverages pay regardless of who is at fault in an accident. Drivers can buy one or the other. There are some key differences between PIP and MedPay: PIP will cover lost wages that MedPay does not cover. In addition, PIP has no payback provision, while MedPay coverage has a subrogation clause, which requires repayment when collecting from a third party.

Cheapest Car Insurance in Texas (Nov 2024)

Written by R.E. Fulton and 2 others

Nov 21, 2024

Cheapest Car Insurance in Texas (Nov 2024)

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

Find insurance savings

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

Written by R.E. Fulton and 2 others

Nov 21, 2024

How to find the cheapest car insurance quotes in Texas

No insurance provider is one size fits all—the cheapest car insurance company for your neighbor may not be the cheapest or best car insurance policy for you. Shopping around and comparing multiple quotes will increase your odds of finding the coverage you want at a lower rate.

Smart Texas car insurance shoppers enlist Jerry Insurance Agency’s help to quickly and easily find cheap auto insurance quotes.

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

Electric	$358	Sarah, 35, Amarillo, TX	Dodge Durango R/T	State Minimum	Yes
Progressive	$47	Mollie, 39, Graham, TX	Chevrolet Silverado C1500	State Minimum	No
Bristol West	$146	Michael, 41, Childress, TX	Kia Forte Ex	State Minimum	Yes
Bristol West	$322	Edwin, 47, Houston, TX	Mazda 3 Touring	State Minimum	Yes
Bristol West	$98	Kenneth, 53, Austin, TX	Kia Sorento Base	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance companies in Texas

In the interest of finding the cheapest car insurance companies in Texas and other states, Jerry conducted the country’s largest insurance shopping survey.

State Farm is often cited as the cheapest car insurance company in Texas—but customers in our survey rated it 3.4 out of 5 for cost, with some customers praising their good rates and others reporting that they were overcharged and saw their rates increase frequently.

State Farm, GEICO, Progressive, Allstate, USAA, and Liberty Mutual have the largest market shares in Texas. Here’s what policyholders had to say about them.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
Bristol West	October 23, 2024	5	“Very good basses of how you drive and the cheapest insurance” – Allen
Anchor General	October 19, 2024	5	“They are excellent, except that when it went up almost twice after my one year ended” – Stanley
AAA	October 18, 2024	5	“Absolutely great insurance my mother had it and I am looking into getting it for myself!” – Brian
Mapfre	October 12, 2024	5	“I haven’t even had Jerry for a month and I liked it from day one when I was shopping for insurance” – Stella
Anchor General	October 12, 2024	5	“It’s been great so far. I just started but they have been wonderful” – Hulda

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 fastest, easiest way to find affordable car insurance quotes online: Use a car insurance comparison app or website like Jerry.

As a licensed insurance broker, Jerry’s app allows you to find and compare car insurance quotes from top providers in one spot. Our end-to-end service provided by our team of 100+ licensed insurance agents means that if you find a policy you like, we can even help you make your switch and cancel your old one.

Minimum car insurance requirements for liability and full coverage in Texas

All Texas drivers must have minimum liability coverage. Many drivers will want to opt for full coverage as well, which will cover damage to your own vehicle.

Cheapest minimum liability coverage in Texas

Texas drivers need to meet the state’s minimum liability coverage limits in order to legally hit the road.

In Texas, these are the state’s minimum liability requirements:

Bodily injury liability: $30,000 per person, $60,000 per accident
Property damage liability: $25,000 per accident

These liability limits are sometimes referred to as 30/60/25 coverage.

Take a look at what other Texas drivers are paying for minimum liability car insurance policies they found through Jerry.

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

Most Texas drivers will want liability limits higher than the state’s 30/60/25 minimum requirement.

If you were found at fault for a severe accident, costs for injuries and property damage could easily exceed these limits. If someone else’s vehicle was totaled, it’s possible it could cost more than $40,000 to replace that alone.

For better financial protection, consider choosing higher liability limits, such as 50/100/50 or 100/300/100 liability coverage—even if you decide to forego full coverage.

Cheapest full coverage auto insurance quotes in Texas

Liability insurance will cover others’ injuries and property damage, but it won’t pay for damage to your own vehicle—you’ll need full coverage for that.

Full coverage, which includes comprehensive and collision coverage, can pay to repair or replace your own car:

Collision coverage: Applies to damage that happens after an accident
Comprehensive coverage: Applies to damage that happens after a range of other events, like theft, hail, or hitting an animal

If you have a loan on the car: Car loan lenders commonly require you to keep full coverage on your car insurance policy.

Here’s what Texas drivers are paying for full coverage car insurance policies they found with Jerry:

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

State Minimum	Yes	Electric	$358	Sarah, 35, Amarillo, TX	Dodge Durango R/T
State Minimum	No	Progressive	$47	Mollie, 39, Graham, TX	Chevrolet Silverado C1500
State Minimum	Yes	Bristol West	$146	Michael, 41, Childress, TX	Kia Forte Ex
State Minimum	Yes	Bristol West	$322	Edwin, 47, Houston, TX	Mazda 3 Touring
State Minimum	No	Bristol West	$98	Kenneth, 53, Austin, TX	Kia Sorento Base

Last Updated Dec 17, 2024

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

In working with thousands of Texas car insurance policyholders, Jerry has found that the average cost of minimum liability coverage is $119 per month or $1,434 per year. The average cost for full coverage insurance in Texas is $191 per month or$2,296 per year.

Although referring to average insurance rates can be helpful as you start the car insurance shopping process, note that your own car insurance costs will depend on many factors that are specific to you as an individual, such as:

Your vehicle type
Your driving record
Your insurance claims history
Your age, gender, and other demographics
The amount and types of coverage you choose

Based on our experience working with drivers in Texas, we’ve observed that insurance premiums for minimum liability coverage start at around $40 per month, while full coverage policies start at about $70 per month. Based on each driver’s situation, the costs can go up to several hundred dollars per month.

Other types of Texas auto insurance

In addition to collision and comprehensive coverage, you can also add other coverage types to your policy in Texas, such as:

Medical payments
Personal injury protection (PIP)
Uninsured/underinsured motorist coverage
Towing and labor
Roadside assistance
Rental reimbursement coverage

If you have a car loan: Gap insurance can cover the remaining balance on your car loan if your vehicle is totaled or stolen and the value is less than what you still owe.

Learn More: Types of insurance

Car insurance premium by rating factors

Insurance companies in Texas consider many rating factors when calculating your car insurance premium:

Your driving record and claims history: Insurance providers will charge higher rates for drivers with accidents or violations.
Where you keep your car: Rates are likely higher if you live in a highly populated city. Even in the same city, rates can vary between zip codes.
Your credit score: Drivers with higher credit scores may find it easier to secure lower rates.
The kind of car you drive: Collision and comprehensive coverage are more expensive for luxury, high-performance, and sports cars.

How to find cheap Texas car insurance if you’re a high-risk driver

Your driving record affects your auto insurance quotes. If your record shows a history of violations, expect to have a more expensive rate.

Cheapest car insurance for Texas drivers with a speeding ticket

Some speeding violations are more severe than others. A speeding ticket for 5 mph over the limit might not have the same effect that a ticket for 20 mph over the speed limit would.
Take a look at rates Jerry users have been able to find in Texas—even with speeding tickets on their records.

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

Speeding Violation-Minor	Progressive	$47	Mollie, 39, Graham, TX	State Minimum	No
Speeding 1-5	Safeco	$333	Jesus, 34, Houston, TX	100/300	Yes
Speeding Violation-Major	Progressive	$269	Amanda, 27, Texarkana, TX	State Minimum	Yes
Speeding Violation-Major	Assurance America	$624	Mike, 30, Fort Worth, TX	State Minimum	Yes
Speeding Violation-Minor	Commonwealth Insurance	$67	Brian, 24, Boyd, TX	State Minimum	No

Last Updated Dec 17, 2024

How to find cheap Texas auto insurance after a DUI

A DUI violation in Texas will often increase your car insurance rate more than any other type of violation.

Still, you may find that your rates will vary significantly among different car insurance companies. By comparing quotes, you may be able to find a more affordable coverage option.

Check out these rates that Jerry uses have been able to find after a DUI violation.

Texas SR-22 insurance

If you have committed a serious violation like a DUI, you may be legally required to file an SR-22 certificate.

This document is typically filed on your behalf by your auto insurance company to confirm you have coverage that meets Texas minimum liability requirements.

Other situations requiring SR-22s include:

Your driving privileges have been suspended due to a car crash
You have received a second or subsequent conviction for No Motor Vehicle Liability Insurance

How to find cheap car insurance in Texas after an at-fault accident

Your car accident or claim history is one of the most significant determining factors when it comes to car insurance costs.

Car insurance companies will look at your accident history to determine your level of risk as a policyholder. Drivers with at-fault accidents on their records, especially if injuries occurred, can expect to see some of the highest rates.

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

At Fault With No Injury	Electric	$358	Sarah, 35, Amarillo, TX	State Minimum	Yes
At Fault With No Injury	Bristol West	$146	Michael, 41, Childress, TX	State Minimum	Yes
Not At Fault	Bristol West	$98	Kenneth, 53, Austin, TX	State Minimum	No
At Fault With No Injury	Progressive	$303	Sean, 28, Lubbock, TX	State Minimum	Yes
Not At Fault	Progressive	$116	Mary, 64, Dallas, TX	State Minimum	Yes

Last Updated Dec 17, 2024

FAQ

Is Texas an at-fault state?

Texas is an at-fault state: What this means is that drivers who are found at fault for an accident will be financially responsible for resulting injuries and property damage.

Unlike in no-fault states, Texas drivers aren’t legally required to purchase no-fault insurance like personal injury protection (PIP)—but adding it to your policy is still a good idea. Regardless of fault, PIP can help supplement your health insurance if you’re injured in an accident or cover lost wages.

The bottom line: Texas car insurance policies automatically include PIP, but the coverage isn’t legally required and drivers can choose to opt out. Still, it’s a good idea to keep this coverage, especially for drivers who don’t have health insurance.

Cheapest auto insurance after other violations in Texas

From reckless driving to driving on a suspended license, different violations may have varying effects on the cost of your Texas car insurance premium.

Here’s a look at rates Jerry users have found after various types of driving violations.

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

Suspension	Progressive	$266	Harriett, 25, Sulphur Springs, TX	Kia Sportage Lx	State Minimum	Yes
DUI	Mendota	$194	Curtis, 37, Ennis, TX	Nissan Armada Platinum	State Minimum	Yes
Driving on Sus. License	Electric	$212	Troy, 24, Austin, TX	Honda Civic Hybrid	State Minimum	No
Other Minor	Progressive	$105	Lucinda, 39, Cushing, TX	Chevrolet Cobalt Ls	State Minimum	No
Other Minor	Progressive	$122	Maude, 24, San Antonio, TX	Ford Focus S	State Minimum	No

Last Updated Dec 17, 2024

How to find cheap Texas car insurance based on your insurance history

When shopping for car insurance quotes, your insurance history—i.e., whether or not you’re currently insured—will influence what you get for rates.

Maintaining continuous car insurance coverage over a long period of time makes it easier to find lower car insurance costs. On the flip side, car insurance coverage lapses can result in higher rates.

On-time payments are essential for avoiding early policy cancellation and a lapse in coverage. That’s why Jerry can send customers payment reminders and late payment warnings to help keep your coverage in good standing.

Lapse or no lapse, here are rates drivers with varying insurance statuses have found while shopping with Jerry.

How to find cheap Texas car insurance with a low credit score

In Texas, drivers with poor credit ratings will often see higher insurance costs. This is largely because policyholders with poor credit are statistically more likely to file insurance claims.

Meanwhile, policyholders with good credit should have an easier time finding lower premiums.

According to our data, the average car insurance rate for the highest credit bracket (over 750) is almost 20% lower than the average cost for people with lower credit scores (under 550).

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

550-659	Bristol West	$367	Max, 40, Cedar Hill, TX	Mazda 6 Touring	100/300	Yes
550-659	Aspen	$98	Evelyn, 36, Arlington, TX	Chevrolet Impala Lt	State Minimum	No
550-659	Gainsco	$107	Justin, 31, Austin, TX	Audi A4 Premium Plus	State Minimum	No
550-659	Progressive	$330	Ethan, 33, San Antonio, TX	Mitsubishi Eclipse Cross Se	State Minimum	Yes
550-659	Bristol West	$332	Lulu, 40, Houston, TX	Chevrolet Colorado Lt	State Minimum	Yes

Last Updated Dec 17, 2024

How to find cheap auto insurance in Texas for your age

Young drivers pay some of the highest car insurance rates due to a lack of driving experience. As drivers reach adulthood, car insurance costs tend to gradually decrease over time. Around age 75, rates start to rise again.

The best car insurance companies in Texas for young drivers

Teen drivers from ages 16 to 19 can expect to pay some of the highest car insurance rates in Texas, thanks to a higher risk of experiencing accidents.

This makes full coverage a good idea for vehicles used by young drivers—especially if the vehicle is newer or has a higher value.

The best car insurance companies for senior drivers in Texas

Car insurance costs start to rise for senior drivers as they approach their mid-seventies.

This is largely due to a greater risk for accidents, as well as a greater risk for severe injuries if a collision does happen.

Here’s a quick look at rates senior drivers in Texas have found with Jerry.

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

The type of car you drive has a significant impact on your car insurance premium. Insurers will look at your vehicle’s theft risk, safety, and how much it might cost to repair or replace.

Popular car models among Texans include:

Honda Civic
Nissan Rogue
Ford Bronco
Chevrolet Silverado 1500
Toyota Corolla

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

Toyota Corolla Le	Progressive	$79	Hallie, 41, Port Arthur, TX	State Minimum	No
Nissan Rogue S	Bristol West	$200	Wesley, 32, Conroe, TX	State Minimum	Yes
Honda Civic Hybrid	Electric	$212	Troy, 24, Austin, TX	State Minimum	No
Nissan Rogue S	Progressive	$209	Tommy, 25, Houston, TX	State Minimum	Yes
Toyota Corolla Le	Progressive	$243	Margaret, 42, Irving, TX	50/100	Yes

Last Updated Dec 17, 2024

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

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

New vehicles are often more expensive to insure than older vehicles. Jerry found that the average full coverage insurance cost for a car older than 10 years is $1,838 per year in Texas. The average cost for insuring a car less than 4 years old goes up by 22% to $2,243 a year.

Texas cheapest car insurance by location

When determining your car insurance premium, auto insurance companies will consider where your vehicle is kept.

Your area’s population density, accident rates, crime statistics, and weather all affect insurance costs. Insurance premiums can vary for different zip codes—even within the same city.

Take a look at rates drivers have found across Texas with Jerry’s help.

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

San Antonio, TX	Kathryn	Progressive	$107	Ford Escape Xlt	State Minimum	No
Dallas, TX	Joe	Mendota	$144	Hyundai Santa Fe Sport	State Minimum	Yes
Stafford, TX	Juan	Progressive	$132	Toyota Corolla Le	State Minimum	No
Granbury, TX	Amelia	Electric	$221	Hyundai Sonata Gls	State Minimum	No
Bedford, TX	Lula	The General	$310	Nissan Altima 2.5	State Minimum	No

Last Updated Dec 16, 2024

How to lower car insurance costs in Texas

If you’re looking for cheap rates on car insurance, Jerry’s team of licensed insurance agents have several tips to reduce your car insurance costs:

Shop around and compare quotes.
Bundle your car insurance with home insurance to get a discount.
Look for car insurance discounts you are eligible for, such as good student discounts, good driver discounts, low mileage discounts, and discounts for vehicle adaptations like anti theft devices, etc.
Increase your deductible for your comprehensive and collision coverage.
Improve your credit score.
Take a defensive driving course.
Consider dropping collision and comprehensive coverage on older cars.

Why car insurance is so expensive in Texas

If you find car insurance in Texas more expensive, it might be due to:

High population density cities
Uninsured drivers
Expensive healthcare
Higher highway density
Rate of car thefts
High natural disaster risks

FAQ

How much is car insurance in Texas?

Each person’s insurance rates vary from one insurance company to another since providers use a variety of factors to determine insurance pricing. We recommend that you shop around and compare insurance rates from different insurance companies.
Who has the best cheap car insurance in Texas?

Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry—shows there’s no single cheapest car insurance company in Texas for every person.

That’s why the best way to find the cheapest car insurance in Texas is to compare car insurance quotes from multiple insurance carriers using a car insurance comparison app or website.
What is the minimum car insurance required in Texas?

By Texas’ car insurance laws, drivers must carry at least $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25.
What is full coverage car insurance consist of in Texas?

In Texas, full coverage car insurance includes the state’s mandatory minimum 30/60/25 liability coverage, collision coverage, and comprehensive coverage.
What does liability car insurance cover in Texas?

In Texas, liability car insurance covers medical payments and car repair costs for the other driver if you are involved in an at-fault accident. Liability coverage will not cover your medical bills or car repair expenses if you are found at-fault for an accident.
Do you need car insurance to register a car in Texas?

You will need your insurance card, proof of vehicle inspection, and proof of car ownership to register a car in Texas.
Can you get car insurance without a license in Texas?

You can get car insurance without a license in Texas, but you won’t be able to name yourself as the primary driver without a license. To purchase car insurance, someone with a valid Texas driver’s license will need to be the named primary driver on the policy.
Is it illegal to not have car insurance in Texas?

To legally drive on Texas roads, drivers must have car insurance. You will be fined if you are caught driving without insurance in Texas.

It is recommended that drivers get car insurance before buying a car or before they begin driving someone else’s vehicle.
Can your car get towed for no insurance in Texas?

If you get pulled over by police and you can’t show proof of insurance, your vehicle may be towed at your own expense, and you may also receive a citation
Does insurance follow the car or the driver in Texas?

According to Texas law, most policies cover you, your family, and people driving your car as long as they have your permission.
If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

But it can get nuanced when someone involved in an accident is excluded from coverage, or when you, the person borrowing your car, and the person at fault in the accident all carry insurance policies.
Can you have out of state car insurance in Texas?

Your standard car insurance policy will typically cover you when you travel in all 50 states and Canada.

You generally should not have out-of-state car insurance if you live in Texas, but there are some exceptions to this—for example, if you are a resident of two states, or you are a member of the military stationed in another state.
Is PIP required in Texas?

All auto policies in Texas include PIP coverage, but you can sign a waiver to decline this coverage.
Can you have both PIP and MedPay in Texas?

Insurance companies are required to offer PIP in Texas, but not medical payment (MedPay) coverage. Both coverages pay regardless of who is at fault in an accident.
Drivers can buy one or the other.

There are some key differences between PIP and MedPay: PIP will cover lost wages that MedPay does not cover. In addition, PIP has no payback provision, while MedPay coverage has a subrogation clause, which requires repayment when collecting from a third party.

MEET OUR EXPERTS

R.E. Fulton

Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

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

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

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

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

Josh Damico

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

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

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

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.

^†For illustrative purposes only, results may vary

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