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Jerry Data & Research
Cheapest Car Insurance in Virginia (Oct 2024)
Cheapest Car Insurance in Virginia (Oct 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Virginia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Virginia
- Cheapest car insurance companies in Virginia
- Minimum liability and full coverage insurance requirements in Virginia
- Car insurance premium by rating factors
- How do different factors impact your car insurance costs in Virginia?
- Cheapest car insurance for popular cars
- Car insurance cost for new vs. old car
- Virginia cheapest car insurance by location
- How to lower the cost of car insurance in Virginia
- FAQs
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Virginia
On average, most Virginia drivers pay approximately $61 per month, or $733 annually for a liability-only policy. For full coverage, these prices can rise to $130 per month, or $1,564 per year.
However, it’s important to remember that these numbers are just averages—every Virginia driver is unique, and so are their premiums.
To find the best rates, you need to compare quotes from many auto insurance companies. Your personal driver profile and your coverage needs will determine which company is best for you.
Many Virginia drivers have found affordable coverage with help from the
Jerry Insurance Agency
, which aggregates quotes to help drivers pick the best policy.| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Nationwide | $264 | Christine, 37 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
| Allstate | $305 | Carrie, 30 | Volkswagen Jetta SEL Premium | • 50,000/100,000 Liability • Comp / Collision |
| AAA | $169 | Ronnie, 57 | Ford Escape S | • 100,000/300,000 Liability • Comp / Collision |
| National General | $206 | Verna, 30 | Ford Focus SE | • 50,000/100,000 Liability • Comp / Collision |
| Bristol West | $136 | Garrett, 27 | Ford Mustang Mach-E Selec | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Oct 12, 2024Cheapest car insurance companies in Virginia
There’s no one insurance company that guarantees the best car insurance (and lowest rate) for every single driver—but there are insurers out there who may have the cheapest rate for you.
Jerry experts performed an extensive survey on
insurance shopping
, covering everything from rates to providers and the key factors that can impact your premium. Here’s the data.State Farm
and USAA
tend to offer the lowest premiums in Virginia, but you may not be eligible for the best of these rates. The most common insurance companies in Virginia are State Farm, USAA, Progressive
, Allstate
, and Nationwide
, but only State Farm’s rates are lower than the state average.Here’s a look at some real reviews from Virginia drivers about their insurance companies.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Allstate | October 6, 2024 | 5 | "Love this company. I have 2 wrecks on 10 years and both time the experience of have to go through that was horrible. ...(read more)" -Sam |
| Assurance America | October 4, 2024 | 4 | "Kia soul is not a good car to own when switching Insurance providers. Not now. They covered me for a decent rate whe...(read more)" -Jim |
| Bristol West | October 2, 2024 | 5 | "I needed insurance for a very long time and now that I found this company it gives me less stress driving because I h...(read more)" -Flora |
| Dairyland | September 28, 2024 | 5 | "dairy land is cheep and easy to use and there so nice and helpful. they helped me so much when i got my car a week a...(read more)" -Martha |
| Plymouth Rock | September 28, 2024 | 4 | "CC offers exactly what we need. Cost effective coverage and protection. We can easily adjust our policy per our needs...(read more)" -Ida |
Last Updated Oct 15, 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.
There’s a simple technology for finding cheap car insurance: a comparison app like Jerry.
Jerry's user-friendly app is designed with the specific goal of helping drivers easily compare
car insurance quotes
and navigate policy sign-ups. Virginia drivers get dedicated support from Jerry's licensed insurance agents
from start to finish.Minimum liability and full coverage insurance requirements in Virginia
Virginia laws
require all drivers to carry minimum liability insurance
of 30/60/20, including property damage liability and bodily injury liability coverage.Drivers must also carry uninsured motorist coverage to at least the same limits.
Cheapest minimum liability coverage car insurance quotes in Virginia
Let’s break down the minimum required liability coverage in Virginia:
- $60,000 per accident of bodily injury liability coverage
- $20,000 per accident ofproperty damage liability
But that’s not all—just over 10% of Virginia drivers are uninsured. That’s why Virginia also requires
uninsured motorist (UM) coverage
with the same levels of protection as liability coverage. Underinsured coverage is similar, but it kicks in when the person doesn’t have enough coverage.Virginia is an at-fault state
. If you get into an accident with a driver who does not have insurance, you’ll have no recourse for coverage with liability-only coverage. But with UM coverage, you’re safe.Here are the required coverage levels for UM in Virginia:
- $60,000 in uninsured motorist bodily injury per accident
- $20,000 in uninsured motorist property damage per accident
Under the Virginia state code, no driver is exempt from these requirements. When combined together, a minimum liability policy in Virginia costs around $733 per month—which is 92% cheaper than the national average.
But despite this lower than average cost, drivers can still find affordable minimum liability and uninsured motorist coverage in Virginia with help from Jerry—like the drivers below.
Cody (53 years old)
$133
per month
Do you need more than minimum coverage in Virginia?
You won’t be breaking any laws if you stick with the minimums, but higher limits offer more protection in the event of a serious car accident.
Consider the costs after a major crash. From medical expenses to car replacement fees, you could be sued for hundreds of thousands of dollars if you cause a crash. Virginia’s minimum coverage may not cover all these fees—which means you’d be on the hook.
It’s smart to get as much liability coverage as you can afford, and the extra protection may not cost you as much as you think. Check out some sample rates below.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase full coverage.
"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 car insurance quotes in Virginia
Did you know that liability coverage only protects other people? Full coverage is the only way to protect yourself and your car, whether from storm damage or traffic accidents.
Collision coverage: If your car is damaged in a collision, this coverage will pay for repairs.
Comprehensive coverage: If you suffer non-collision damage—like theft, storm damage, or vandalism—this coverage will kick in.
A lender can require you to carry
full coverage on a financed vehicle
. That’s because they want to protect their investment while it’s being paid off. Make sure you consult with your lender before selecting an insurance policy in Virginia.The average cost of a full coverage policy in Virginia is approximately $1,564 per year—but drivers can save even more by comparing prices. Here’s some of the average rates real Virginia drivers found using Jerry:
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $336 | Flora, 30 Powhatan, VA | Hyundai Accent SE |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $117 | Chester, 29 Chesapeake, VA | Toyota Corolla |
• 50,000/100,000 Liability • Comp / Collision | State Auto | $194 | Jeff, 43 Spotsylvania Courthouse, VA | Toyota Camry LE |
• 100,000/300,000 Liability • Comp / Collision | Plymouth Rock | $135 | Theresa, 36 | Toyota Camry |
• 30,000/60,000 Liability • Comp / Collision | Bristol West | $316 | Luis, 34 Chesapeake, VA | Jeep Cherokee Sport |
Last Updated Oct 13, 2024Virginia car insurance: Additional coverages
There are a lot of dangers on the road—and there is a policy to protect you against almost every one. Here are some additional coverages available to Virginia drivers:
Gap insurance
: Financed vehicles are at high risk in total loss accidents. If you still owe money on your loan, and the payout is not enough to cover the amount, gap insurance will cover the gap. Non-owner car insurance
: If you borrow or rent instead of owning your own car, you should consider non-owner car insurance in Virginia. This policy follows the driver
, not the car, so you have liability protection wherever you go. It does not protect you or the car, however.How do different factors impact your car insurance costs in Virginia?
How do different factors impact your car insurance costs in Virginia?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Virginia currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Virginia:
Cheapest Virginia car Insurance after a driving violation
Driving violations not only carry fines and legal penalties, but they can drive up the cost of insurance, too. If you have a long list of violations on your record, you’ll be tagged a
high-risk driver
. You can still find coverage, but your policy will cost more than the average driver’s.Cheapest car insurance for Virginia drivers with a speeding ticket
Break the speed limits in Virginia and you’ll be penalized according to how high over the speed limit you were traveling. The
speeding fines
increase by mile increments, not to mention the extremely high fines for reckless driving
.But speeding tickets also matter a lot when it comes to insurance rates for Virginia drivers. On average, Virginia drivers pay 43% more for car insurance after a speeding ticket, with costs rising from $130 per month for full coverage, to $202 per month.
To
find affordable coverage
with a speeding ticket on your record, turn to Jerry—here’s how we helped other Virginia drivers in your position. | Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $116 | Betty, 37 | • 30,000/60,000 Liability • Comp / Collision |
Speeding 6-10 | Safeco | $112 | Nora, 31 Rockingham, VA | • State Minimum Liability • Comp / Collision |
Speeding 11-15 | Bristol West | $525 | Daisy, 27 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | AAA | $191 | Lula, 45 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | Gainsco | $150 | Justin, 34 | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Oct 15, 2024Over 4,000,000 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:
Never any problems and always plenty of notice about upcoming payments.
Tina
Travelers is so quick to send help! And I got a discount for renewing!
Kenya
Good rates. Easy to transition.
Hector
Got a rate over $100 lower using Jerry! Love it and have recommended to all of my family and friends
Indiona
Cheapest auto insurance in Virginia after a DUI
Virginia considers all intoxicated violations to be DWIs—and the state has
strict laws
with serious penalties. Any DUI conviction will cause your insurance rates to skyrocket, and some companies might refuse to cover you.Your rates in Virginia could increase by 77% after a DUI, raising your insurance premiums to an upwards of $293 per month.
Your rates in Virginia could increase by 77% after a DUI, raising your insurance premiums to an upwards of $293 per month.
Finding insurance after a DUI can be complicated, but Jerry has helped tons of Virginia drivers.
Brandon (34 years old)
$70
per month
Virginia SR-22 insurance
After extremely risky driving behavior, the state of Virginia might require you to prove that you can be allowed back on the road. You do this by finding a car insurance company to file an SR-22 or FR-44 form on your behalf.
The
SR-22 in Virginia
is a form that proves your financial responsibility. The insurance company must file it and there is a small fee, alongside the inflated insurance costs. The FR-44 is required for drivers with a DWI conviction, and insurance costs are much higher.Keep in mind that an SR-22 filing can raise your premium costs—most drivers with an SR-22 pay an average of $243 per month for full coverage car insurance, increasing costs by 60%.
Here are a few violations that could require you to file an SR-22:
- Reckless driving
- Participating in a hit-and-run
- Driving a car without a driver’s license
- Usingfake proof of insurance
- Lying to the DMV
- Driving without insurance
- Committing a felony
Cheapest Virginia auto Insurance after an at-fault accident
The truth is that causing an accident is a clear sign to insurance providers that you’re a risky driver. After an at-fault accident, your rates could climb as high as 65%.
But it’s also true that you can still shop around to find a good rate—and Jerry can help. Here are some sample insurance rates for Virginia drivers who have at-fault accidents on record.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $260 | Cordelia, 48 Ferrum, VA | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Allstate | $190 | Clyde, 26 | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Travelers | $263 | Eva, 23 Bumpass, VA | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | AAA | $124 | Emma, 34 | • 30,000/60,000 Liability |
At Fault With Injury | National General | $194 | Charles, 29 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 13, 2024FAQs
Is Virginia an at-fault state?
Yes. If you get into a car accident, you’ll
file against the at-fault party
to recover damages. If the other party was uninsured, you can file against your UM coverage. The bottom line: All Virginia drivers are required to carry minimum liability coverage and uninsured motorist bodily injury insurance, but experts recommended higher coverage levels for most drivers.
Cheapest auto insurance after other violations in Virginia
Breaking even one of Virginia’s traffic laws could have a negative impact on your rates. Yes, even following too closely behind another vehicle could go on your record.
Check out this list of common traffic violations in Virginia, and see how they affect car insurance rates.
Violation | Annual Premium for State Minimum Coverage |
|---|---|
Failure to Obey Signal, Stop, or Yield | $165 |
Wrong Way / Wrong Lane | $171 |
Improper Passing | $176 |
Driving on a Suspended License | $188 |
Careless/Reckless Driving | $232 |
How to find cheap Virginia car insurance after a car insurance lapse
If you don’t maintain car insurance coverage consistently, the companies will see a
lapse in coverage
on your record. That’s a big red flag, and gaps in coverage usually trigger an increase in your premium.Once drivers have a coverage lapse on their insurance history, their car insurance rates generally increase by an average of 64% at renewal or reinstatement.
Jerry customers benefit from regular reminders to avoid lapses in coverage. We also help people with lapses find coverage again, like the Virginia drivers below.
Henry (36 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$116
per month
Nettie (38 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Beaverdam, VA$177
per month
Aiden (29 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$305
per month
Glen (40 years old)
Not Currently Insured
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Hampton, VA$121
per month
Elijah (67 years old)
$64
per month
Gainsco
Olive (22 years old)
Not Currently Insured
Coverage30,000 per person
60,000 per accident bodily injury
$134
per month
Cheapest Virginia car insurance for drivers with poor credit
While credit has nothing to do with your driving habits, data shows that people with poor credit tend to file more insurance claims. So if
your credit score
is under 600, you can expect to be charged a higher rate for coverage in Virginia.Here’s some of the average rates for drivers with poor credit in Virginia:
Credit Score | Average monthly insurance premium |
|---|---|
<600 | $132 |
601–699 | $121 |
How to find cheap auto insurance in Virginia for your age
Very old and very young drivers face higher than average rates in Virginia. Older drivers face more risks in an accident, and younger drivers have less experience behind the wheel. If you’re younger than 25 or older than 75, you’ll pay more for coverage in Virginia.
Cheapest Virginia car insurance for young drivers
More specifically, teen drivers in Virginia under the age of 19 or with a
provisional license
will pay the absolute highest rates for coverage
. This is one reason why we recommend full coverage for any young driver, especially if they’re driving a newer vehicle.Teen drivers in Virginia pay an average of $305 per month for full coverage car insurance, and $227 per month for the state minimum. On the other hand, drivers between the ages of 18 and 21 pay a little less, shelling out approximately $278 per month for full coverage, and $179 per month for liability-only policies.
Rates generally drop once drivers turn 25, but until then, young drivers can find cheap car insurance by comparing rates. Here are some real-life examples of young drivers in Virginia who got insurance through Jerry.
Gabriel (20 years old)
$300
per month
Adele (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$291
per month
Allen (23 years old)
$116
per month
Clearcover
Philip (24 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
$110
per month
Cheapest Virginia car insurance for senior drivers
Golden years come with golden price tags, unfortunately. Senior drivers are more vulnerable to serious injuries in a car accident, which is why car insurance companies charge them more for coverage.
As a result, senior drivers tend to pay an average of $58 per month for the state minimum coverage, and $88 per month for full coverage. However, once drivers turn 65, their rates shift again. Although the average rate for minimum protection lowers to $54 per month, full coverage costs increase to $94 per month.
Take a look at some of the rates real senior policyholders found using Jerry.
Cody (75 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
$114
per month
Jeanette (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Chesapeake, VA$65
per month
Adele (65 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$69
per month
Jesus (76 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Sandston, VA$203
per month
Jim (79 years old)
$73
per month
Over 4,000,000 customers and counting
We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
So far so good
Tracy
Excellent and very friendly - keep going
Rohit
Got me covered fully for half the price of the competition, one happy customer over here!
Jacob-1
Happy with my insurance coverage and rate Jerry really helped me find the best rate to fit my needs.
Amanda
Cheapest car insurance for popular cars
The car you drive has a big influence on how much you pay for coverage. A souped up Range Rover should cost more to insure than a practical Camry, right?
Here are some of the average rates for some of the most popular vehicles in Virginia:
Vehicle | Average monthly cost |
|---|---|
$98 | |
$116 | |
$112 | |
$106 |
Check out the table below to see real quotes Jerry customers have gotten for their popular car models.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 LE | Progressive | $116 | Devin, 50 | • State Minimum Liability • Comp / Collision |
| Honda Civic LX | Safeco | $74 | Theresa, 34 | • 100,000/300,000 Liability • Comp / Collision |
| Honda Accord EXL | Travelers | $69 | Teresa, 48 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 11, 2024Car insurance cost for new vs. old car
Newer cars cost more to insure, in general. If you drive a car older than 10 years old, you can save a ton of money on insurance. But if you’re determined to drive a brand new car, expect top-notch premiums.
Louis (67 years old)
$148
per month
Myrtle (36 years old)
$92
per month
Jessie (26 years old)
$133
per month
Dylan (56 years old)
2005 Subaru Forester 2.5XS
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Chesapeake, VA$82
per month
Virginia cheapest car insurance by location
Someone in
Richmond
shouldn’t pay the same as someone in Virginia Beach
, right? Zip codes are a key determinant in car insurance premiums. Your neighborhood has a unique risk profile, from traffic accident rates to crime statistics.Below are the average costs of car insurance for the least expensive ZIP codes in Virginia:
Least Expensive Zip Codes | Average monthly insurance premium |
|---|---|
22802 | $21 |
23102 | $25 |
23040 | $29 |
24579 | $32 |
22952 | $33 |
Below are the average costs of car insurance for the most expensive ZIP codes in Virginia:
Most Expensive Zip Codes | Average monthly insurance premium |
|---|---|
24347 | $233 |
23342 | $247 |
24369 | $330 |
22308 | $340 |
24112 | $395 |
If you’re looking for even lower rates, check out these examples of how Jerry Insurance Agency has helped drivers across Virginia.
How to lower the cost of car insurance in Virginia
Virginia drivers can unlock savings by following these helpful tips, from getting discounts to adjusting your coverage.
Tips to cut costs and find cheap auto insurance:
- Get quotes from insurance providers every six months before you sign up for a policy.
- Raise your deductible, if your budget allows it.
- Bundle your car insurance with homeor renters coverage to save.
- If you drive an older car, consider removing collision and comprehensive coverage.
- If you have any duplicate coverages, remove them (like towing and labor if you have AAA).
Why does car insurance cost this much in Virginia
Virginia car insurance is pretty affordable, compared to the national rate. However, premiums could be on the rise due to these factors:
- Cost of car parts
- Traffic accident rates
- Rising medical costs
Remember that your coverage limits and coverage types impact your cost, too. You can go beyond the car insurance requirements of the state, if you like, but you’ll pay more for the extra protection.
FAQs
Do you need car insurance in Virginia?
Yes. All Virginia drivers are required to purchase minimum liability and UM coverage to drive legally.
How much is car insurance in Virginia?
For basic liability coverage, the standard Virginia driver will pay about $61 per month or $733 per year. If you want full coverage, the cost of car insurance in Virginia rises to $130 per month or $1,564 per year.
What are the minimum requirements for car insurance in Virginia?
All Virginia drivers must carry 30/60/20 liability coverage plus the same amount of uninsured motorist coverage, which protects you if you get into an accident with an uninsured motor vehicle.
What happens if you don’t have car insurance in Virginia?
If you’re caught driving without insurance in Virginia, you could face the following penalties:
- $500 fine
- 3-year required SR-22 filing
- License and registration suspension
What is the cheapest car insurance in Virginia?
State Farm and USAA are some of the best car insurance companies in terms of rates in Virginia, if you can qualify.
Why is car insurance going up in Virginia?
Premiums could be on the rise in Virginia due to these factors:
- Cost of car parts
- Traffic accident rates
- Rising medical costs
Is it illegal to not have car insurance in Virginia?
If you have a vehicle registered with the state of Virginia, failure to purchase and carry adequate coverage for it is illegal.
Do you need insurance to register a car in Virginia?
Yup. The Virginia Department of Motor Vehicles requires that drivers show proof of insurance before they can register a car. The vehicle fee is just over $30 in Virginia for a passenger vehicle.
Does insurance follow the car or the driver in Virginia?
Insurance follows the car. Your policy will cover other drivers who temporarily drive your car, too, thanks to permissive use. An exception is non-owner insurance, which follows the driver from car to car.
Can you have out of state car insurance in Virginia?
It’s not a problem to travel through Virginia with out-of-state insurance. But you should get a new policy with your local address once you move to Virginia officially.
Is PIP required in Virginia?
No, PIP is an optional coverage for Virginia drivers.
Can you have both PIP and MedPay in Virginia?
No, you must choose between MedPay and PIP. Both cover similar healthcare expenses, but it’s most useful for people who don’t have health insurance.
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
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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.
*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.