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Cheapest Car Insurance in Virginia (Apr 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Virginia.
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Kianna Walpole
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in 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 CompanyPremium (monthly)CustomerCarInsurance Coverage
Nationwide
$264
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
AAA
$145
KIA Optima Hybrid
• 50,000/100,000 Liability
Allstate
$305
Volkswagen Jetta SEL Premium
• 50,000/100,000 Liability
• Comp / Collision
Clearcover
$217
Honda Accord Sport
• 50,000/100,000 Liability
• Comp / Collision
Mercury
$199
Lincoln MKZ
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 23, 2024

Cheapest 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 companyDateCost rating (out of 5)What our customer said:
USAA
April 17, 2024
5
"I love being able to click on an app and ask a question and get answers quickly! "
-Derrick
Allstate
April 10, 2024
5
"Cheaper than any other quote I received. Excellent service."
-Lizzie
Assurance America
April 9, 2024
5
"Signing up was super easy. The service is so affordable. I’m so glad that I went through Jerry to find the deal that ...(read more)"
-Lena
Bristol West
April 7, 2024
5
"Bristol west has been the best insurance provider yet! Anytime I have a question they are there to help ! "
-Emma
AAA
April 7, 2024
5
"So far great, was my first time insuring my car, great service. Above and beyond. "
-Myra
coverageLast Updated Apr 17, 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.
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:
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:
  • $30,000 in
    uninsured motorist
    bodily injury per person
  • $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.
card cover
Alejandro (22 years old)
coverageCoverage
State Minimum
carHyundai Genesis Coupe 3.8L
$121
per month
card cover
Virgie (36 years old)
coverageCoverage
State Minimum
$264
per month
card cover
Louisa (43 years old)
coverageCoverage
State Minimum
$127
per month
card cover
Julia (29 years old)
coverageCoverage
State Minimum
carVolkswagen Taos SE IQ Drive
$296
per month
card cover
Minerva (39 years old)
coverageCoverage
State Minimum
$98
per month
card cover
John (23 years old)
coverageCoverage
State Minimum
$431
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. 
Lower my car insurance too!

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.
A full coverage policy includes
comprehensive
and
collision coverage
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 CoverageInsurance CompanyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$121
Hyundai Genesis Coupe 3.8L
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$105
Ford Fusion SE
• 30,000/60,000 Liability
• Comp / Collision
AAA
$222
Infiniti G37
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$280
BMW 228 i
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$236
Jeep Patriot Sport
coverageLast Updated Apr 23, 2024

Virginia 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.

Car insurance premium by rating factors

Insurers are allowed to use your credit score to determine your premium in Virginia. But that’s not the most important factor. While every company has its own method for calculating rates, you should know that every element listed below could impact your bill:
  • Your driving record and claims history: A pattern of traffic violations and accidents signals that you’re likely to get into more trouble—and you’ll pay more for coverage.
  • Your credit score: If you have good credit (over 750), you’ll get the cheapest rates. Drivers with bad credit pay a lot more for coverage.
  • Zip code: If you live in a neighborhood with a ton of commuters and lots of crime, expect to pay more for car insurance. 
  • Your make and model: Luxury and sports cars come with higher insurance price tags.
  • Usage: More frequent usage means higher insurance rates, due to the increase in risk.

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

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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): 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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$129
• 30,000/60,000 Liability
Speeding 6-10
Safeco
$112
• State Minimum Liability
• Comp / Collision
Speeding 11-15
Bristol West
$525
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
AAA
$191
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
Gainsco
$150
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Apr 21, 2024

Over 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:
Progressive
Never any problems and always plenty of notice about upcoming payments.
Tina
Travelers
Travelers is so quick to send help! And I got a discount for renewing!
Kenya
Progressive
Good rates. Easy to transition.
Hector
Progressive
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.  
Finding insurance after a DUI can be complicated, but Jerry has helped tons of Virginia drivers.
card cover
Marian (38 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$201
per month
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Gene (31 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$120
per month
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Roxie (28 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$186
per month
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Devin (23 years old)
DUI
coverageCoverage
State Minimum
carToyota Scion TC
$275
per month
card cover
Clearcover
Connor (36 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationDisputanta, VA
$79
per month
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Gainsco
Lou (46 years old)
DUI
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationPowhatan, VA
carHyundai Tucson GLS
$134
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
  • 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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$260
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$190
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Travelers
$263
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
AAA
$124
• 30,000/60,000 Liability
At Fault With Injury
National General
$194
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 21, 2024

FAQs

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.
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Nannie (39 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$235
per month
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Nettie (38 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBeaverdam, VA
$177
per month
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Aiden (29 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carVolkswagen Jetta SEL Premium
$305
per month
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Glen (40 years old)
Not Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
$121
per month
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Elijah (67 years old)
Currently Insured
coverageCoverage
State Minimum
$64
per month
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Clearcover
Rachel (29 years old)
Not Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
carHyundai Santa FE Limited
$98
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.
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Emilie (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Dart SXT
$85
per month
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Shane (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carFord Fusion SE Hybrid
$258
per month
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Adam (24 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
carFord Edge SEL Plus
$155
per month
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Aiden (23 years old)
$229
per month
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Gainsco
Russell (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$447
per month
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Mable (23 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
$202
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.
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Henrietta (66 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
carChevrolet HHR LS
$108
per month
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Gainsco
Isaac (66 years old)
coverageCoverage
State Minimum
carJeep Grand Cherokee Laredo
$88
per month
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Belle (80 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Grand Caravan SXT
$172
per month
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Trevor (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA Sedona LX
$84
per month
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Kathryn (67 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
carToyota Camry
$144
per month
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Francis (69 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
$131
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.
National General
So far so good
Tracy
Safeco
Excellent and very friendly - keep going
Rohit
Progressive
Got me covered fully for half the price of the competition, one happy customer over here!
Jacob-1
Progressive
Happy with my insurance coverage and rate Jerry really helped me find the best rate to fit my needs.
Amanda

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:
  1. Get quotes from insurance providers every six months before you sign up for a policy.
  2. Ask about
    car insurance discounts
    , like a good drivers discount.
  3. Raise your deductible, if your budget allows it.
  4. Bundle your car insurance with home
    or renters coverage to save.
  5. If you drive an older car, consider removing collision and comprehensive coverage.
  6. 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

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