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Car Insurance Quotes - Compare 2024 Car Insurance Rates with PriceProtect™

Find out if you're getting ripped off on your car insurance in less than two minutes.
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R.E. Fulton
Comparing car insurance rates is an absolute must if you want the best price. But finding cheap car insurance can feel like searching for a needle in a haystack. So many providers, so many quotes—where do you start?
The answer is Jerry, America’s first AllCar™ app.
Jerry compares car insurance policies, loans, and repair costs and gives you incredible rewards just for driving. With PriceProtect™, compare car insurance quotes from more than 50 top insurance companies at lightning speed—we’re talking seconds. As a licensed broker, Jerry has all your insurance needs handled from start to finish. And we automatically alert you when better rates are available so you know you’re always getting the best deal. Customers who buy car insurance through Jerry save an average of $600 a year!
Forget the hassle of researching minimum insurance requirements and digging around for the lowest premium. Just compare car insurance quotes online and choose the one that best fits your budget and coverage needs.
Here’s how much customers were paying for their car insurance before comparing quotes—and after switching with Jerry.
Quote DateCar
Before Jerry
After Jerry
LocationZip CodeNameAgeInsurance Company
May 18, 2024Ford Mustang GT$170/mo.$67/mo.Johnson City, TN37615Joe C.60National General
May 12, 2024Hyundai Sonata GLS$120/mo.$100/mo.Sacramento, CA95838Randall S.25Anchor General
May 11, 2024Toyota Corolla SE$210/mo.$122/mo.San Marcos, CA92069Landon T.28Bristol West
May 8, 2024Jeep Grand Cherokee Laredo$200/mo.$108/mo.
Spring Grove
, VA
23881Sadie G.38National General
May 7, 2024Ford Crown Victoria$118/mo.$82/mo.Nacogdoches, TX75965Chad K.30Progressive
With Jerry, compare rates from dozens of top insurance companies in seconds. Just tell us a few quick basics and PriceProtect™ will get to work finding cheap car insurance quotes for you. You can find the same coverage you already have—but for less.
Once you’re ready to make the switch, Jerry handles all the paperwork. It’s the quickest, easiest way to get cheap car insurance quotes and save money.
Insurance companies use different formulas to calculate the risk of their policyholders. Using Jerry to review quotes from multiple providers is the best way to find cheap car insurance that meets your needs.

Why compare quotes?

Comparing offers from multiple providers is the best way to find the right coverage at the right price. It all comes down to the factors that influence insurance premiums.
Most insurers consider things like where you live, how old you are, what car you drive, your driving history, and even your credit score. It’s their way of figuring out how ‘high risk’ you are as a driver. And if they decide you’re unlikely to get into an accident or file a claim, you’ll end up with a cheaper premium.
But here’s the thing: each insurance company uses its own formula to calculate this risk. They each weigh the factors a little differently—and that means they’ll each rate you a little differently.
Insurance Company
Average Cost
Annual Savings with Jerry
New York Central Mutual
$3,562$1,747
First Acceptance$4,565$1,730
Anchor General$3,018$1,468
The General$3,738$1,195
Trexis
$3,251$1,160
Oregon Mutual
$3,506$1,154
Aspire Advantage$2,766$1,137
Assurance America$3,365$1,113
Dairyland$3,393$1,107
Plymouth Rock$3,454$1,090
National General$2,959$1,064
Bristol West$3,427$1,061
Safe Auto
$3,633$1,052
Freedom
$2,774$1,036
Gainsco
$3,092$995
Commonwealth Insurance$2,739$975
Metlife
$3,191$962
Electric
$3,160$955
AAA$3,380$939
Kemper$2,762$936
Mercury$2,946$925
Clearcover
$2,734$924
Infinity$3,021$922
Progressive$2,874$900
Safeco$2,836$888
Allstate$2,915$874
Nationwide$2,684$854
Encompass$3,322$838
State Auto$2,686$809
Travelers$2,754$794
Mapfre$2,593$730
First American
$2,548$502
Grange
$1,668$320
Compare Prices
So while one company might justify its higher premium because you live in a ‘high-risk’ zip code and have bad credit, another might see you as lower risk and charge you less since you’re a homeowner with a safe car.
Here’s what average rates look like based on the state you live in.
Before Jerry
After Jerry
$2,485$1,507
Read more about cheap car insurance in your state:

Why does age impact the cost of insurance?

Young drivers are typically considered the riskiest to insure. Teen drivers ages 16–19 are more likely than any other age group to get into a car accident, and three times more likely to be in a fatal crash than drivers over the age of 20.
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,894$960
21-24$2,780$977
25-34$2,593$921
35-44$2,491$885
45-54$2,433$868
55-64$2,328$855
65+$2,288$839
Age is a significant factor for most insurance companies, but taking advantage of discounts can help young drivers find relatively cheap car insurance.

What you need to get an accurate car insurance quote

When you’re ready to compare quotes, make things easy on yourself by having all the information you’ll need on hand.
  • Basic information like your name, address, birth date, and occupation
  • Current car insurance company, if you have an existing insurance policy
  • Driver’s license information for you and anyone else who will be on the policy
  • Annual and current mileage on your car, plus information like how often you drive and whether it’s for leisure or work
  • Vehicle information including your year, make, model, VIN, safety features, and whether you own or lease it
  • Driving history for the past five years, including tickets, accidents, and any other traffic violations
  • Coverage needs that meet or exceed your state’s minimum insurance requirements

How can I lower my car insurance rate?

If you want to lower your car insurance premium, you have a few choices:

1. Raise your deductible

Increasing your deductible—the amount you pay for a claim before your insurance company kicks in—will reduce your rate.
Before you do this, make sure that you can afford to pay more out of pocket in the event of an accident or damage to your vehicle. The standard deductible is $500, but many people opt for $1,000 instead.

2. Reduce your coverage

Removing or reducing certain coverages can bring your rates down, but you want to ensure you still meet the minimum required coverage in your state.
Here are some of the main insurance coverages you might need.
Type of coverageWhat it covers
Bodily injury and property damage liabilityBodily injury covers expenses if you injure someone else in an at-fault accident. Property damage helps pay for damage you cause to someone else’s property, including their car, house, and more.
Uninsured/underinsured motorist protectionUninsured motorist protection covers you if you’re in an accident with an at-fault driver who doesn’t have liability insurance. If they have liability insurance but the limits are too low to cover your medical expenses, underinsured motorist protection kicks in.
Collision coverageCollision insurance covers expenses to repair your vehicle if you’ve been in a traffic accident, no matter who is at fault.
Comprehensive coverageComprehensive insurance covers repair costs unrelated to a collision, such as from a weather event, theft, vandalism, or even hitting an animal while driving.
Personal injury protection (PIP)Personal injury protection covers medical expenses, lost wages, child care, funeral costs, and other expenses incurred as the result of an accident, whether it was your fault or not.

3. Change your payment plan or term

If you pay your premium all at once instead of monthly, many insurance companies will offer you a discounted rate.
All things considered, the easiest (and quickest!) way to lower your car insurance premium is to compare quotes from different insurance providers. You’ll likely be able to find the same coverage you already have at a lower rate.
Jerry can help you compare rates and, when you’re ready, make the switch to more savings.

Cheap car insurance FAQs

Why does credit impact my car insurance rate?

Your credit score can be an indicator of the level of risk you pose to the insurance company. Statistics show that people with a higher credit score tend to get into fewer accidents and file fewer claims.
Not all states allow insurers to consider credit when setting premiums. The following states prohibit or place restrictions on the use of credit data for insurance purposes:
  • California
  • Hawaii
  • Maryland
  • Massachusetts
  • Michigan
  • Oregon
  • Utah

What is the minimum car insurance I can have?

Minimum insurance requirements vary by state, so what you’ll need depends on where you live. Almost every state requires coverage for bodily injury liability and property damage liability. Some also require you to have personal injury protection (PIP) and/or uninsured motorist protection. While you’re searching for cheap auto insurance, make sure you’re not sacrificing quality or coverage to get a lower rate.
Going beyond the minimum coverage requirements is usually a good idea, and being too thrifty could end up costing you more down the line if you need to pay out of pocket.

How can I lower my car insurance costs?

The best way to lower your car insurance costs is to use Jerry to compare quotes and switch policies.
A licensed insurance agent that gives you end-to-end support, the Jerry app gathers affordable quotes, and helps make switching to a new policy easy.

Get a great insurance rate with PriceProtect™️

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