Is Vermont an at-fault state?

Yes, Vermont is an at-fault state. You file against the at-fault party to pay for damages in an accident, versus a no-fault state where all parties must file against their own policies first. The bottom line: All Vermont drivers are required to carry minimum liability coverage and uninsured motorist bodily injury insurance, but experts recommended higher coverage levels for most drivers.

Do you need insurance to register a car in Vermont?

Yes. You must have a car insurance policy before you can register a car in Vermont, according to the state’s helpful online documents wizard.

Does Vermont require car insurance?

Yes. Vermont requires all drivers to carry minimum amounts of car insurance to drive legally.

How much is car insurance in Vermont?

Car insurance rates are highly individual. We recommend shopping around to compare quotes and asking about discounts (like the safe driving discount) to get your number as close to the average figure as possible (or lower!).

What increases car insurance in Vermont?

Vermont’s insurance rates tend to fall well below the national average. However, if your rates are increasing, it could be due to several factors, such as:

What is full coverage car insurance in Vermont?

In Vermont, full coverage car insurance will include both the state’s minimum requirements for liability and uninsured motorist protection and comprehensive and collision coverage. You may also choose to add a variety of additional coverages and add-on perks with most full coverage policies.

Do you need personal injury protection (PIP) coverage in Vermont?

No, PIP is an optional coverage for Vermont drivers.

What is the minimum car insurance in Vermont?

Car insurance requirements for Vermont drivers include 25/50/10 liability coverage along with 50/100/10 of uninsured motorist coverage.

What is the lowest form of car insurance in Vermont?

The lowest form of car insurance is a comprehensive-only plan. Often referred to as “parked car” or “car storage” insurance, this is a low cost plan that protects your vehicle from damage or theft while it’s not being driven. If you will be driving your vehicle, the lowest coverage you can legally get by with in Vermont is 25/50/10 liability coverage along with 50/100/10 of uninsured motorist coverage.

Which 2 types of insurance are required on every vehicle in Vermont?

Liability coverage and uninsured motorist coverage are the two types of coverage required for all vehicles in Vermont.

How much is car insurance per month in Vermont?

The average Vermont driver will pay $32 per month or $385 per year for bare minimum protection. For full coverage, the average driver will spend approximately $67 per month or $812 per annual premium.

Is insurance cheaper in Vermont?

Yes! Vermonters enjoy some of the cheapest car insurance rates in the nation, even though drivers in some cities and zip codes report higher than average premiums.

Who has the best cheap car insurance in Vermont?

There’s no single company that will be cheapest for every driver. However, State Farm, USAA, and GEICO tend to offer some of the lowest rates in the state. Note that USAA is only available to members of the military and their families.

Can your car get towed for no insurance in Vermont?

Yes. If your vehicle is uninsured or underinsured—and law enforcement finds out—your registration will be revoked. Then, your vehicle will be towed. To recover the vehicle, you’ll have to show proof of insurance and pay the impound fees.

Does insurance follow the car or the driver in Vermont?

Like in other states, car insurance in Vermont follows the car. If you occasionally loan your car to a friend, they’ll be covered under your policy due to permissive use. However, regular borrowers or people living in the same household should get their own policy. An exception is non-owner insurance, which follows the driver from car to car.

Can you have out of state car insurance n Vermont?

If you’re just passing through Vermont, your policy should still cover you. However, you’ll need to purchase a local policy once you become an official resident of Vermont.

Can you have both PIP and Medpay in Vermont?

No, you can either have PIP or MedPay. PIP covers many of the same incidentals that MedPay covers, but it’s not exactly the same. This coverage is most helpful for people without health insurance.

Cheapest Car Insurance in Vermont (Nov 2024)

Written by R.E. Fulton and 2 others

Nov 22, 2024

Cheapest Car Insurance in Vermont (Nov 2024)

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

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 22, 2024

How to find the cheapest car insurance quotes in Vermont

The truth is that there is no single auto insurance company that can offer the lowest rates for every single driver. Every driver is unique, so their insurance premium will be unique, too.

If you want to find the lowest rates, the key is to gather quotes from multiple insurers. This allows you to find the best car insurance for your coverage needs.

In Vermont, drivers are using Jerry Insurance Agency to compare quotes and sign up for affordable car insurance. Check out these prices from real Vermont drivers.

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

Progressive	$88	Bettie, 43, West Rutland, VT	Chevrolet Impala Lt	State Minimum	No
Progressive	$103	Marcus, 52, Winooski, VT	Toyota Matrix Xr	100/300	Yes
Progressive	$71	Fanny, 64, Brownington, VT	Subaru Forester 2.5X Limite	State Minimum	Yes
Progressive	$50	Adeline, 56, Barre, VT	Jeep Cherokee Sport	100/300	Yes
Progressive	$41	Steven, 42, Rutland, VT	Ford Escape Xlt	State Minimum	Yes

Last Updated Nov 29, 2024

Cheapest car insurance companies in Vermont

Looking for car insurance deals in Vermont? Jerry has gone the extra mile and conducted an extensive survey on insurance shopping, including rates, providers, and factors that affect your premium.

Our survey proves that there is no single car insurance company that can be universally considered the absolute cheapest option for every driver in Vermont.

State Farm, USAA, and GEICO tend to offer the most affordable rates to the Vermont drivers who qualify, but it’s not a guarantee that you’ll get this low rate. Other auto insurance companies in Vermont include Progressive, Allstate, Concord, and Nationwide—but their typical rates all exceed the state average.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
Progressive	October 31, 2024	5	“Great rates and saved money in the past with them and very friendly.” -Ronald
Bristol West	October 30, 2024	5	“I’ve had Geico auto insurance over 30 years, and I have found they are the easiest to deal with. Online or mobile app…(read more)” -Shawn
Aspire Advantage	October 28, 2024	5	“Great company “ -David
Dairyland	October 25, 2024	5	“Wonderful” -Myra
Progressive	October 18, 2024	5	“Service is great. Renewals are prompt with Jerry. No issues” -Lily

The most hassle-free way to shop for car insurance is to use an app or website to simplify the quote comparisons.

Jerry’s app is purpose-built to help drivers compare quotes and sign up for a policy. Thanks to dedicated support from Jerry’s licensed insurance agents, Vermont drivers can find an affordable policy in no time at all.

Minimum liability and full coverage insurance requirements in Vermont

Under Vermont state law, all drivers are compelled to carry a minimum level of liability coverage as well as uninsured motorist coverage. Full coverage (comprehensive and collision coverage) is optional, but keep in mind that liability-only policies will only protect other people and their property.

Cheapest minimum liability coverage car insurance quotes in Vermont

If you’re a Vermont driver, you’re subject to the 25/50/10 state minimum liability requirements for car insurance:

$25,000 per person of bodily injury liability coverage
$50,000 per accident of bodily injury
$10,000 per accident of property damage liability

In addition, Vermont drivers must purchase uninsured motorist (UM) coverage in a 50/100/10 configuration:

$50,000 per person of uninsured motorist bodily injury
$100,000 per accident of uninsured motorist bodily injury
$10,000 per accident of uninsured motorist property damage

No driver is exempt from this requirement, according to the Vermont code regarding auto insurance requirements.

Take a look at how Jerry has helped Vermont drivers find affordable minimum liability coverage.

Do you need more than minimum coverage in Vermont?

While you will be legally compliant if you have 25/50/10 liability coverage and 50/100/10 UM coverage, the reality is that this level of coverage may not give you enough protection in a car accident.

If you are sued after an at-fault accident to pay for someone else’s medical expenses and car repairs, the costs could easily exceed these coverage limits. The average cost of a new car alone is just under $50,000, and hospital bills can pile up with prolonged stays.

Our advice is to get as much liability coverage as you can afford. The difference in your monthly coverage rates will be minor, but you and your family will be far more protected.

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.

Cheapest full coverage car insurance quotes in Vermont

Full coverage is the only way to protect yourself and your vehicle, since liability only protects others. If you can afford it, look into full coverage for ultimate peace of mind—from deer collisions to fender benders.

A full coverage policy includes comprehensive and collision coverage.

Collision coverage: As the name indicated, this portion pays for damages from collision-related accidents. This could be a simple scratch or major body work.

Comprehensive coverage: This portion covers any non-collision damage, such as hail dents, hitting a deer, vandalism, and car theft.

Be aware that financed vehicles are typically required to carry full coverage. That’s because lenders want to protect their investment. If you have a financed vehicle, check with your lender before you purchase a policy.

Vermont drivers are purchasing full coverage policies with Jerry’s help. Here’s a look at their costs, locations, and models.

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

State Minimum	No	Progressive	$88	Bettie, 43, West Rutland, VT	Chevrolet Impala Lt
100/300	Yes	Progressive	$103	Marcus, 52, Winooski, VT	Toyota Matrix Xr
State Minimum	Yes	Progressive	$71	Fanny, 64, Brownington, VT	Subaru Forester 2.5X Limite
100/300	Yes	Progressive	$50	Adeline, 56, Barre, VT	Jeep Cherokee Sport
State Minimum	Yes	Progressive	$41	Steven, 42, Rutland, VT	Ford Escape Xlt

Last Updated Nov 29, 2024

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

Studies show that the average cost of minimum liability insurance in Vermont is about $77 per month, or $928 per year. That’s a lot lower than the national average. For full cost coverage, drivers pay closer to $145 per month, or $1,743 per year.

Keep in mind that average insurance rates can only give you a general idea of your potential insurance expenses. Your individual circumstances all contribute to your unique driver profile:

The type of vehicle you drive
Your driving record
Your claims history
Demographic factors

Your premium will be tailored to you and may differ from the average rates.

Vermont drivers can expect to spend approximately $77 per month for minimum liability coverage or $145 per month for full coverage. Your premium could be a lot higher, depending on your driving history.

Vermont car insurance: Additional coverages

Need more protection? Vermont drivers can purchase a variety of other coverages in case of emergency:

Towing and labor coverage
Rental reimbursement coverage
New car replacement insurance
Personal injury protection
Medical payments (MedPay)

Do you have a financed vehicle? Gap insurance can help protect you in the event of a total loss. You’re still on the hook for paying back the loan after a total loss. While you will get a payout for the actual cash value, the amount you owe might be more than this payout. Gap insurance covers the gap.

Do you not own your own car? Non-owner car insurance in Vermont will follow the driver, instead of the vehicle. You get liability protection no matter which car you’re borrowing or renting. Just keep in mind that non-owner coverage does not give you any coverage for the car or yourself.

Learn more: Types of insurance

Car insurance premium by rating factors

You may know that your driving history affects your premium, but did you know that credit score and zip code matter, too? Each company has its own method for calculating rates, but all companies are likely to factor in these elements:

Your driving record and claims history: Even a single speeding ticket could trigger high rates for a few years.
Your credit score: People with good credit (aka higher scores) tend to get lower insurance rates.
Zip code: Zip code represents risk. Some areas are statistically more likely to experience bad weather, traffic accidents, or auto theft. Think about the risks in downtown Burlington versus the outskirts of Montpelier.
Your make and model: If you drive a luxury model or a sports car, you can expect to pay more for insurance. Repair costs are higher for these models.
Usage: If you commute long distances daily, expect to pay more for insurance.

Cheapest Vermont car Insurance after a driving violation

Because car insurance is about mitigating risk, your history of driving violations is a key determinant in how much you pay for coverage. More violations means more risk to the company. High-risk drivers can expect to pay higher than average rates for insurance in Vermont.

Cheapest car insurance for Vermont drivers with a speeding ticket

Speeding is against the law in Vermont, but speeders receive higher penalties for higher speeds: 1-9 MPH, 10-19 MPH, 20-29 MPH, and 30+ MPH over the speed limit. Depending on how fast you’re going, you could be charged with reckless driving in Vermont, which carries fines and point penalties. A speeding ticket has a negative impact on your car insurance rates, until the ticket falls off your record.

Here’s how Jerry has helped Vermont drivers with speeding tickets. Check out how much they paid for car insurance and what kind of speeding ticket they received.

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

Speeding Violation-Minor	Dairyland	$497	Roger, 26, Walden, VT	50/100	Yes
Speeding Violation-Minor	Progressive	$163	Norman, 25, Rutland, VT	100/300	Yes
Speeding Violation-Minor	Progressive	$143	Lora, 29, Swanton, VT	State Minimum	Yes
Speeding Violation-Minor	Progressive	$162	Louis, 25, Springfield, VT	100/300	Yes
Speeding Violation-Minor	Progressive	$80	Anthony, 33, Brighton, VT	50/100	Yes

Last Updated Nov 29, 2024

Cheapest auto insurance in Vermont after a DUI

If you have been convicted of a DUI in Vermont, you can expect very high premiums for car insurance. You could even be denied coverage by some auto companies.

If you’re looking for coverage after a DUI, take a look at how Jerry has helped Vermont drivers find affordable rates after a DUI.

Vermont SR-22 insurance

After a serious traffic violation, the state can compel a risky driver to prove financial responsibility before getting on the road again.

Filing an SR-22 in Vermont comes with a small fee. It’s a non-negotiable step in the process of regaining your driving privileges after a serious violation. The company must file this form for you—you cannot file it for yourself. Along with the fee for the form, you can expect your insurance rates to be extremely high.

Here are a few reasons that you could be required to file an SR-22 in Vermont:

You caused a serious at-fault accident.
You were convicted of a DUI or DWI.
You were caught driving without insurance.
You drove on a suspended license.

Cheapest Utah auto Insurance after an at-fault accident

An at-fault accident will negatively impact your rates, but you should still shop around to compare quotes.

Take a look at the rates for real Vermont drivers with at-fault accidents on record.

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

Not At Fault	Progressive	$71	Fanny, 64, Brownington, VT	State Minimum	Yes
Not At Fault	Progressive	$239	Todd, 26, Saint Johnsbury, VT	100/300	Yes
At Fault With No Injury	Progressive	$135	Pauline, 57, South Royalton, VT	100/300	Yes
At Fault With No Injury	Safeco	$102	Alfred, 38, Johnson, VT	State Minimum	Yes
At Fault With No Injury	Progressive	$149	Virginia, 25, South Burlington, VT	State Minimum	Yes

Last Updated Nov 29, 2024

FAQ

Is Vermont an at-fault state?

Yes, Vermont is an at-fault state. You file against the at-fault party to pay for damages in an accident, versus a no-fault state where all parties must file against their own policies first.

The bottom line: All Vermont 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 Vermont

Even minor violations, such as turning illegally at an intersection, could have an impact on your car insurance rates, according to the Vermont laws.

Here’s a summary of common traffic violations in Vermont, and how they affect car insurance rates for Jerry drivers.

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

Failure to Obey Signal	Progressive	$252	Christine, 28, Winooski, VT	100/300	Yes
Careless Driving	Progressive	$95	Verna, 42, Cambridge, VT	100/300	Yes
Ticket Violation Not Listed	Dairyland	$90	Sallie, 23, Swanton, VT	State Minimum	No
Failure to Yield	Progressive	$229	Susie, 24, Salisbury, VT	State Minimum	Yes
Driving on Sus. License	Progressive	$132	Frank, 35, Woodstock, VT	100/300	No

Last Updated Nov 29, 2024

How to find cheap Vermont car insurance after a car insurance lapse

Whether it’s a day or a year, a lapse in coverage is a sign of risky behavior to insurance companies. If you’ve had a lapse, you can expect to pay higher than average costs until you can build up a history of continuous insurance again.

Jerry has figured out a way to help people avoid lapses. We send helpful reminders to eligible customers, so you can avoid late payments and canceled policies.

Do you have a lapse on record? Here’s how you could find savings on a car insurance policy in Vermont with help from Jerry.

Cheapest Vermont car insurance for drivers with poor credit

Drivers with bad credit tend to file more claims, according to insurance studies. That’s why poor credit will trigger a higher car insurance premium. If your score is under 600, expect to pay much higher rates.

The bright side is that your premiums will go down as your credit score grows. Take a look.

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

<550	Progressive	$88	Bettie, 43, West Rutland, VT	Chevrolet Impala Lt	State Minimum	No
<550	Progressive	$103	Marcus, 52, Winooski, VT	Toyota Matrix Xr	100/300	Yes
550-659	Progressive	$50	Adeline, 56, Barre, VT	Jeep Cherokee Sport	100/300	Yes
550-659	Progressive	$41	Steven, 42, Rutland, VT	Ford Escape Xlt	State Minimum	Yes
750+	Progressive	$137	Lenora, 30, Craftsbury, VT	Toyota Prius Le	State Minimum	Yes

Last Updated Nov 29, 2024

How to find cheap auto insurance in Vermont for your age

Age is highly correlated with risk when it comes to driving. Very young and very old drivers face higher premiums because of the additional risks due to lack of experience and deteriorating mental and physical abilities.

Specifically, drivers under 25 and over 75 pay more for coverage in Vermont.

Cheapest Vermont car insurance for young drivers

Among young people, teen drivers under the age of 19 pay the higher rates for car insurance in Vermont. Young people have not spend as much time on the road, so they’re at a higher risk for getting into an accident. If you have a young driver in the house and they’re driving a newer vehicle, we recommend considering full coverage car insurance.

Take a look at these options for young drivers in Vermont.

Cheapest Vermont car insurance for senior drivers

As we age, our eyesight and mental quickness can decline. Plus, our bodies become much more vulnerable to injuries. These are serious concerns for car insurance companies, which is why senior drivers in Vermont tend to pay more for car insurance.

Cheapest car insurance for popular cars

Your make and model play a key role in determining how much you pay for insurance. A special edition Range Rover naturally costs more to repair than a standard Ford F-150, right?

These are some of the most popular cars in Vermont:

Ford F-150
Toyota RAV4
Dodge RAM 1500
Chevy Silverado
GMC Sierra

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

Toyota Rav4 Le	Progressive	$74	Bessie, 31, South Burlington, VT	100/300	Yes
Toyota Rav4 Le	Dairyland	$461	Mitchell, 23, Burlington, VT	State Minimum	Yes
Ford F-150 Supercrew	Progressive	$215	Hallie, 25, Highgate Center, VT	100/300	Yes
Toyota Rav4 Le	Progressive	$100	Lucas, 27, Randolph, VT	100/300	Yes
Toyota Rav4	Progressive	$54	Olga, 27, Waterbury Village Historic District, VT	State Minimum	No

Last Updated Nov 29, 2024

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

Car insurance cost for new vs. old car

It’s typical to pay more to insure a newer car. New models tend to cost more to repair and replace. There can be a difference in price of hundreds of dollars between insuring a car older than 10 years and newer than five years old.

Vermont cheapest car insurance by location

Zip code is one of the most important factors in calculating your car insurance rate. Your neighborhood has unique crime statistics, traffic accident rates, weather patterns, and even theft rates. Insurers take this information into account when determining your premium.

Here’s how Jerry Insurance Agency helps people find low rates all across Vermont.

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

West Rutland, VT	Bettie	Progressive	$88	Chevrolet Impala Lt	State Minimum	No
Winooski, VT	Marcus	Progressive	$103	Toyota Matrix Xr	100/300	Yes
Brownington, VT	Fanny	Progressive	$71	Subaru Forester 2.5X Limite	State Minimum	Yes
Barre, VT	Adeline	Progressive	$50	Jeep Cherokee Sport	100/300	Yes
Rutland, VT	Steven	Progressive	$41	Ford Escape Xlt	State Minimum	Yes

Last Updated Nov 29, 2024

How to lower the cost of car insurance in Vermont

Ready to save money on car insurance? Ask about discounts or adjustments to your coverage. Try some of these tips to cut costs:

Always compare rates before renewing or buying a policy..
Ask about car insurance discounts, like the good driver or anti-theft device discount.
Increase your deductible, if you can afford it.
Enroll in a state-approved training course.
Ask about bundling home or renter’s coverage with your auto policy.
Remove collision and comprehensive coverage on low-value older cars.
Remove duplicate coverages, like towing and labor if that service is offered by one of your credit providers or your cell carrier.

Why does car insurance cost this much in Vermont

In general, Vermonters pay very low prices for car insurance. Here’s why:

Low crime rates
Low number of fatal crashes
Low number of unlicensed drivers

FAQ

Do you need insurance to register a car in Vermont?

Yes. You must have a car insurance policy before you can register a car in Vermont, according to the state’s helpful online documents wizard.
Does Vermont require car insurance?

Yes. Vermont requires all drivers to carry minimum amounts of car insurance to drive legally.
How much is car insurance in Vermont?

Car insurance rates are highly individual. We recommend shopping around to compare quotes and asking about discounts (like the safe driving discount) to get your number as close to the average figure as possible (or lower!).
What increases car insurance in Vermont?
Vermont’s insurance rates tend to fall well below the national average. However, if your rates are increasing, it could be due to several factors, such as:
- Traffic tickets and moving violations
- Traffic accidents
- Excessive claims
- Increased coverage or addition of a driver
If none of these situations applies to you, it’s time to reach out to your provider to find out why your rates are going up. It may also be time to start shopping for a new policy.
What is full coverage car insurance in Vermont?

In Vermont, full coverage car insurance will include both the state’s minimum requirements for liability and uninsured motorist protection and comprehensive and collision coverage. You may also choose to add a variety of additional coverages and add-on perks with most full coverage policies.
Do you need personal injury protection (PIP) coverage in Vermont?

No, PIP is an optional coverage for Vermont drivers.
What is the minimum car insurance in Vermont?

Car insurance requirements for Vermont drivers include 25/50/10 liability coverage along with 50/100/10 of uninsured motorist coverage.
What is the lowest form of car insurance in Vermont?

The lowest form of car insurance is a comprehensive-only plan. Often referred to as “parked car” or “car storage” insurance, this is a low cost plan that protects your vehicle from damage or theft while it’s not being driven.

If you will be driving your vehicle, the lowest coverage you can legally get by with in Vermont is 25/50/10 liability coverage along with 50/100/10 of uninsured motorist coverage.
Which 2 types of insurance are required on every vehicle in Vermont?

Liability coverage and uninsured motorist coverage are the two types of coverage required for all vehicles in Vermont.
How much is car insurance per month in Vermont?

The average Vermont driver will pay $32 per month or $385 per year for bare minimum protection. For full coverage, the average driver will spend approximately $67 per month or $812 per annual premium.
Is insurance cheaper in Vermont?

Yes! Vermonters enjoy some of the cheapest car insurance rates in the nation, even though drivers in some cities and zip codes report higher than average premiums.
Who has the best cheap car insurance in Vermont?

There’s no single company that will be cheapest for every driver. However, State Farm, USAA, and GEICO tend to offer some of the lowest rates in the state. Note that USAA is only available to members of the military and their families.
Can your car get towed for no insurance in Vermont?

Yes. If your vehicle is uninsured or underinsured—and law enforcement finds out—your registration will be revoked. Then, your vehicle will be towed. To recover the vehicle, you’ll have to show proof of insurance and pay the impound fees.
Does insurance follow the car or the driver in Vermont?

Like in other states, car insurance in Vermont follows the car. If you occasionally loan your car to a friend, they’ll be covered under your policy due to permissive use. However, regular borrowers or people living in the same household should get their own policy.

An exception is non-owner insurance, which follows the driver from car to car.
Can you have out of state car insurance n Vermont?

If you’re just passing through Vermont, your policy should still cover you. However, you’ll need to purchase a local policy once you become an official resident of Vermont.
Can you have both PIP and Medpay in Vermont?

No, you can either have PIP or MedPay. PIP covers many of the same incidentals that MedPay covers, but it’s not exactly the same. This coverage is most helpful for people without health insurance.

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.