If you're feeling the bite of car insurance prices from your budget, you're not alone: premiums rose 18% between January of this year and 2025, according to data from The Zebra.
One of the best ways to combat this increase and find lower prices is to simply shop around. But not everyone has the hour or two necessary to compare quotes.
However, AI-powered insurance shopping tool Jerry can reduce this process to just a few minutes. The free app can also help you save money when you shop and will later alert users to price drops.
We want to hear your story. Do you have a financial success, goal or stressor you're comfortable sharing with a reporter? Please fill out this quick form.
Jerry.ai
Highlights
Jerry is an AI tool that allows drivers to compare auto insurance policies from dozens of insurers in minutes. You'll need to provide personal information, including your name, address, phone number and vehicle information, but it gives you estimated rates from several insurers.
Availability
Jerry is a licensed insurance agency in all 50 U.S. states and Washington, D.C.
Pros
- Reduces the comparison shopping process to minutes, not hours
- Compares potential rates from dozens of insurers in one place
Cons
- Requires downloading the mobile app to see rates
Here's what you need to know about Jerry.
Jerry car insurance comparison review
How to use Jerry
To use Jerry's comparison shopping tool, you can either start in a web browser or download the mobile app. However, the website will direct users to download the mobile app to see prices.
Then, add your information. Have the following information on hand:
- Make, model and year of your car
- Number of miles you drive annually
- Your address and ZIP code
Then, you'll submit your information and be prompted to open or download the mobile app. There, you'll see personalized quotes from dozens of insurers to compare and consider.
Jerry features
The platform includes rates from national insurers such as Geico and Progressive. It also includes pay-per-mile options, like Mile Auto.
You'll be able to browse quotes and policies in the app. Once you've found a policy and price you're happy with, you'll be sent to the insurer's website to complete the quote process.
Jerry also includes access to a support team made up of agents that can be reached via chat for policy questions. If you want to monitor changing prices, Jerry can also re-shop for you and send notifications if it finds a lower price. This could help you find lower premiums in the future.
Outside of insurance, Jerry can also help you stay on top of your car's needs. Its GarageGuard feature allows you to set up maintenance reminders, find recall information and locate repair shops.
Pros of using Jerry
Jerry stands out for the following features:
- It's free to use: Jerry doesn't require a subscription or any payment to shop and compare.
- Tailored results: The platform considers factors such as annual mileage to provide customized choices.
- Quick quotes: Comparison shopping for insurance used to take hours, but this tool lets you see side-by-side prices for your unique situation in minutes.
Cons of using Jerry
Before you use Jerry, be aware of these drawbacks:
- Doesn't consider how much car insurance you need: Jerry sorted quotes by price, which showed state minimum policies first. However, many people need higher limits than this to account for net worth or minimum underlying insurance requirements for an umbrella policy, for example.
- Doesn't show quotes from every insurer that might be a fit: Jerry gathered quotes from many large, national insurers. It didn't search many smaller regional insurers, which could be an even better deal. Jerry did not respond to CNBC Select's request for comment on how it chooses insurers.
How Jerry compares to other AI insurance shopping tools
In testing the best AI insurance comparison tools, we found one other strong option: Insurify's ChatGPT app. It works differently from Jerry and requires you to have a conversation with the AI to get insurance quotes. One downside is that it doesn't always outline the exact information it needs to generate quotes, which can leave the user guessing that details the tool needs.
Insurify Car Insurance Comparison Tool
Highlights
Insurify's ChatGPT app connects with the AI platform to show possible cheapest rates and companies. Via chat-based communication, the app and ChatGPT can use Insurify data to help guide you towards the most affordable and highly rated insurer for your situation.
Availability
Insurify is a virtual licensed insurance agent in all 50 U.S. states.
By contrast, Jerry stands out for its clear-cut specificity. You give Jerry all the information it asks for and receive quotes in return. While using Jerry means you'll miss out on conversational explanations of the quotes, you'll experience an easier format.
Jerry insurance shopping FAQs
Is Jerry legit car insurance?
Jerry acts as an intermediary between drivers and multiple insurance companies. While Jerry is not an insurance company itself, it can help match customers with companies that offer policies.
What kind of company is Jerry?
Jerry is a licensed insurance broker. The platform helps drivers estimate how much car insurance would cost from various companies and how much they could save by switching.
Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and X to stay up to date.
