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 Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| May 31, 2020 | Subaru Legacy Outback H6 3.0 Special | $75 | $68 | Lakewood, OH | 44107 | Leo, 31, Lakewood, OH | 31 | Clearcover |
| August 10, 2020 | Volkswagen Passat S | $135 | $108 | Mesa, AZ | 85208 | Ida, 46, Mesa, AZ | 46 | Progressive |
| November 13, 2021 | Volkswagen Jetta Base | $159 | $66 | Dallas, TX | 75219 | Flora, 32, Dallas, TX | 32 | State Auto |
| January 12, 2020 | Mazda Mx-5 Miata Grand Touring | $117 | $69 | Columbia, MO | 65203 | Ada, 30, Columbia, MO | 30 | Nationwide |
| January 26, 2021 | Mini Cooper S Countryman | $120 | $98 | San Francisco, CA | 94112 | Verna, 47, San Francisco, CA | 47 | Clearcover |
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 | $3,524 | $1,712 |
| First Acceptance | $4,036 | $1,635 |
| Anchor General | $3,100 | $1,540 |
| The General | $3,900 | $1,349 |
| Bluefire | $3,162 | $1,295 |
| Oregon Mutual | $3,367 | $1,277 |
| Aspire Advantage | $2,833 | $1,256 |
| Assurance America | $3,545 | $1,246 |
| Trexis | $3,257 | $1,241 |
| Dairyland | $3,561 | $1,236 |
| Mendota | $3,735 | $1,208 |
| Bristol West | $3,553 | $1,193 |
| Safe Auto | $3,789 | $1,191 |
| Aspen | $2,867 | $1,186 |
| National General | $3,131 | $1,183 |
| Plymouth Rock | $3,535 | $1,180 |
| Freedom | $2,885 | $1,152 |
| Gainsco | $3,290 | $1,131 |
| Metlife | $3,369 | $1,131 |
| Commonwealth Insurance | $2,811 | $1,048 |
| Electric | $3,261 | $1,044 |
| AAA | $3,491 | $1,038 |
| Kemper | $2,856 | $1,027 |
| Mercury | $3,041 | $1,015 |
| Infinity | $3,136 | $1,003 |
| Clearcover | $2,805 | $1,002 |
| Progressive | $2,981 | $999 |
| Safeco | $2,923 | $968 |
| Encompass | $3,433 | $945 |
| Nationwide | $2,775 | $943 |
| Allstate | $2,973 | $938 |
| State Auto | $2,792 | $905 |
| Travelers | $2,850 | $874 |
| Mapfre | $2,686 | $801 |
| First American | $2,683 | $766 |
| Grange | $1,770 | $271 |
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.
| State | Before Jerry | After Jerry |
|---|---|---|
| AL | $2,343 | $1,504 |
| AK | $4,074 | $2,834 |
| AZ | $2,313 | $1,544 |
| AR | $2,428 | $1,550 |
| CA | $2,594 | $1,511 |
| CO | $2,621 | $1,742 |
| CT | $2,868 | $1,975 |
| DE | $2,995 | $1,961 |
| DC | $3,458 | $2,252 |
| FL | $2,952 | $2,023 |
| GA | $3,076 | $1,994 |
| HI | $3,449 | $2,041 |
| ID | $2,044 | $1,228 |
| IL | $2,234 | $1,472 |
| IN | $2,098 | $1,363 |
| IA | $2,149 | $1,395 |
| KS | $2,333 | $1,483 |
| KY | $2,640 | $1,738 |
| LA | $3,015 | $1,992 |
| ME | $1,857 | $1,213 |
| MD | $3,056 | $2,096 |
| MA | $2,954 | $1,671 |
| MI | $2,861 | $1,882 |
| MN | $2,331 | $1,489 |
| MS | $2,452 | $1,580 |
| MO | $2,469 | $1,575 |
| MT | $2,211 | $1,436 |
| NE | $2,274 | $1,430 |
| NV | $3,058 | $2,147 |
| NH | $2,251 | $1,349 |
| NJ | $3,193 | $2,106 |
| NM | $2,144 | $1,478 |
| NY | $3,875 | $2,710 |
| NC | $2,497 | $1,512 |
| ND | $2,284 | $1,604 |
| OH | $2,102 | $1,346 |
| OK | $2,249 | $1,499 |
| OR | $2,393 | $1,590 |
| PA | $2,641 | $1,686 |
| RI | $2,833 | $1,875 |
| SC | $3,073 | $2,006 |
| SD | $2,636 | $1,621 |
| TN | $2,379 | $1,543 |
| TX | $2,538 | $1,700 |
| UT | $2,131 | $1,423 |
| VT | $2,173 | $1,293 |
| VA | $2,415 | $1,556 |
| WA | $2,640 | $1,637 |
| WV | $2,420 | $1,536 |
| WI | $2,155 | $1,383 |
| WY | $2,073 | $1,337 |
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 | $2,948 | $1,011 |
| 21-24 | $2,821 | $991 |
| 25-34 | $2,617 | $932 |
| 35-44 | $2,513 | $901 |
| 45-54 | $2,452 | $881 |
| 55-64 | $2,354 | $867 |
| 65+ | $2,307 | $854 |
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 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 coverage | What it covers |
|---|---|
| Bodily injury and property damage liability | Bodily 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 protection | Uninsured 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 coverage | Collision insurance covers expenses to repair your vehicle if you’ve been in a traffic accident, no matter who is at fault. |
| Comprehensive coverage | Comprehensive 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.
FAQ
- Why does credit impact my car insurance rate?
- What is the minimum car insurance I can have?
- How can I lower my car insurance costs?
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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.
