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Jerry Insurance Review

Picture of Written by <a href="https://rateretriever.com/about/katie-dee/"><span style="text-decoration: underline;">Katie Dee</span></a>
Written by Katie Dee
Picture of Reviewed by <a href="https://rateretriever.com/about/alyssa-dicrasto/"><span style="text-decoration: underline;">Alyssa DiCrasto</span></a>
Reviewed by Alyssa DiCrasto
Published on 2024-04-18

Jerry Insurance Overview

Quality of results/rates shown:

Number of results:

1-5

Spam risk:

Option to sell you a policy:

 

How results are generated:

Quotes from partners

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Ads from sponsors, quotes from partners, verified rates

Our Criteria and Methodology

For each car insurance comparison website we review, we evaluate several factors including user experience, risk of spam, the variety and relevancy of results, and more. We tested and evaluated results for 3 different driver profiles. The opinions expressed below are based on this experience as well as our team’s knowledge of the insurance comparison industry. Our editorial team follows a rigorous editorial policy and works independently from our insurance partners. Read more.

Table of Contents

What is Jerry Insurance?

Jerry is an online insurance broker and app that allows you to compare rates from multiple different insurance providers based on your answers to a few questions such as the make and model of your car and your zip code. The site’s “About” page states that “At Jerry, we’re making car ownership easier and more affordable for every driver.” 

Jerry also claims to be “America’s only AllCar app.” The app offers services such as “PriceProtect,” “DriveShield,” and “GarageGuard,” all designed with the intention of making car ownership less daunting. They emphasize this by saying that they are “on a mission to simplify the frustrating, time-consuming process of dealing with all things car.” 

Insurance Products:

  • Car insurance 
  • Home insurance  
  • Renters insurance

How does Jerry work?

Similar to other insurance comparison sites, Jerry works by asking questions such as where you live, what kind of car you drive, your driving history, and more, and then matching you with providers in your area based on your answers so you can find your cheapest rate. However, since Jerry is an insurance broker, this site differs slightly from others on the market. 

Insurance brokers make money through commissions, so if you purchase a policy or click on a sponsored or affiliate link on your results page, Jerry gets paid. This may raise some concerns around how biased or comprehensive their results are, but Jerry could still be a reputable source to compare rates from several providers in your area. 

How Jerry makes money

As an online insurance broker, Jerry makes money through commissions earned if you purchase a policy from one of their provider partners or if you click on a sponsored or affiliate link on your results page. 

The site also stresses that they do not make any money through the sale of user data. They feature a spam-free promise and a data guarantee both on their homepage and throughout their comparison quiz so that you don’t need to worry that your data is secure. 

Pros & Cons of Comparing Car Insurance with Jerry

Pros of Jerry:

  • I was matched with real insurance companies, not other comparison sites  
  • Quotes were available to me at the end of the experience 
  • Jerry promises not to spam users

Cons of Jerry:

  • Phone number and email address are required  
  • Results may not be comprehensive 
  • Need to download an app to see full results

Find the Right Car Insurance for You

Our experience with Jerry

First impressions

The first thing I noticed when I landed on Jerry’s homepage was that the tool was first and foremost described as an app. The heading at the top of the page says, “Experience America’s only AllCar App,” which immediately piqued my interest because all the other comparison tools I have used have been websites, not apps.  

Along with this, there is a subheading that led me to believe that the app is about more than just insurance, but rather, simplifying all aspects of car ownership. The text in this section explains that the Jerry app can help you compare insurers, loans, and repair costs, and these additional services definitely made Jerry stand out from the pack of generic car insurance comparison sites. 

A little further down the page is a section showcasing all the reputable companies that have featured Jerry, including Business Insider, CBS News, Forbes, and more. Having all these well-known companies displayed on the homepage worked to enhance my trust in the tool.  

Jerry’s homepage goes on to explain their services in more detail. In this section, I learned that this app offers three main tools: PriceProtect, DriveShield, and GarageGuard. PriceProtect is intended to help you save on insurance and loan payments by allowing you to shop around and compare costs, DriveShield rewards safe driving habits, and GarageGuard helps to keep track of maintenance reminders and cost estimates. 

Since I was expecting a run of the mill insurance comparison tool, these additional offerings surprised me. Having a more expansive tool only increased my trust that Jerry has put in the work and really cares about saving me as much money as possible. 

Next, the site displays their 4.7-star App Store rating from more than 16,000 verified user reviews. They also have a few of those reviews scrolling through the page right next to their star rating. Personally, I value the opinions of other users above the opinions of the company itself, so I was glad to see so many positive customer reviews. 

Finally, at the very bottom of the page Jerry has a section dedicated to their security policy and their spam-free promise. The site describes their security and data privacy standards, saying “Jerry is different. Our DataLock™ Guarantee ensures when you shop for insurance with Jerry, you won’t be contacted by anyone but us.” This was reassuring for me, as I have fallen victim to relentless spam from other tools like this. However, I still felt a bit apprehensive because of the “anyone but us” stipulation. Just because the calls or emails are coming from Jerry directly, doesn’t necessarily mean they are any less spammy (in my opinion, at least).

Quiz experience

In an effort to get a well-rounded idea of what Jerry offers, I tested the tool on 3 different driver profiles, using a different zip code each time. The first question that Jerry asked was if I had an existing insurance policy. This felt noteworthy because most other insurance comparison quizzes I have taken asked for my zip code before anything else.  

Under this question (along with most others on the quiz) Jerry explained the reason behind it. I will always feel more comfortable offering up my personal details when I know the reason they are being asked of me, so I really appreciated this aspect of Jerry’s experience. 

Something that I noticed fairly quickly was that the way the steps were numbered was a bit confusing. When I first began the quiz, the question about my current insurance was shown to be step 1, but then when I went to the next question it still said step 1. I later realized that these steps are split into different categories like insurance, personal info, and account. 

The next thing I noticed is that Jerry required my phone number pretty early on in the process. Now, I am always wary of providing my phone number to comparison sites, as they are notoriously spammy. However, there was no option to withhold this information as I had to confirm the number with a text code.  

Jerry explained that they asked for my phone number in order to reduce the amount of information I would need to enter manually. While I appreciate that they offered this explanation, this reasoning didn’t make such sense to me as I don’t fully understand how my phone number could help Jerry find my vehicle info. I also still would have felt more confident in their spam-free promise if my phone number wasn’t required. 

Something else that set Jerry’s quiz apart from some other comparison sites was that it asked if I wanted to track my driving and see if I qualified for savings, and it also asked if I wanted to set up maintenance reminders on my vehicle. Since Jerry has offerings related to these questions, I appreciated that they were included in the quiz, as it made the experience of using the tool feel cleaner and all encompassing.  

After providing my phone number earlier in the quiz, I thought that I was finished with providing my contact information. However, right before the end of the quiz, Jerry also asked for my email address. At this point I was so close to seeing the recommended providers that exiting the quiz felt like wasted time, so I provided my email and finished the quiz. 

Jerry's Results

Honestly, I’m not sure how to feel about the results Jerry provided me with. Immediately after completing the quiz, I was shown a rate but not the company it came from, which felt unnecessarily confusing to me. I then realized that in order to see all my rates and insurance companies, I needed to download Jerry’s app. 

This made the experience feel incredibly clunky as I had to scan a QR code with my phone, visit the app store, download the app, and then log in by reconfirming my phone number before I was able to access my rates. 

I did appreciate that Jerry told me how many insurance companies they checked and that I was shown a real rate right after finishing the quiz, however, there was no way to do anything with the rate without downloading the app. 

Now, I understand that making your tool into an app provides many benefits to the user experience . Where my issue lies is the required transition from a website tool to an app, which I feel bogs down the user experience enough to outweigh any usability benefits that an app originally offered.  

I will say that once I had downloaded Jerry’s app and completed the log in process, the results were overall very good. For the first profile I tested I was matched with Geico and Embark General. However, the variation between the rates did kind of surprise me. Geico quoted me $104.83 per month while Embark General quoted $350.75. 

Unsurprisingly, for the second profile I tested, I was met with the same immediate result: a rate with no company and a prompt to download the app. Once I had the app installed and logged in successfully, I was shown only one provider: Geico. The quote was on the lower end this time ($70.02 per month), which I definitely appreciated. However, I do wish I was matched with more than just one company. 

Finally, for the third profile I tested, after downloading the app and confirming my info I was matched with multiple different insurance companies. The top quote I was offered was from Progressive and it was $116.08 per month. I was also provided quotes from Aspen, The General, Embark General, and more. The price range for all these companies wasn’t too large, which I was happy to see. 

Another aspect of Jerry’s quiz results is that they list out the insurance companies that did not return a quote and (if available) the reason behind it. I thought this was an interesting feature because it offered some more insight into why a certain driver profile might not be right for certain providers, but oftentimes the reason why would not be provided and I found myself feeling a little frustrated that I could have had more options and I was not provided with a reason for why I didn’t. 

Lasting Impressions

After going through Jerry’s full experience multiple times, I think that it is a good (if a bit clunky) option for car insurance comparison. Compared to some other tools on the market, Jerry offers fairly comprehensive results and provides you with actual insurance companies and quotes at the end of the experience.  

I did have 2 main issues with Jerry’s experience. The first is that the tool requires contact info in order to see results. Even with their spam-free promise and DataLock Guarantee, there is still a risk of getting unwanted phone calls and emails when a site collects this information. My other issue is the fact that I had to download an app to actually see my results. 

While I have no issue with the concept of using an app to compare insurance rates, I didn’t like that Jerry allowed me to complete the whole quiz process online and then at the very end I was required to download the app. It’s also worth noting that this experience may be even less desirable for older generations who may not be as comfortable with smart phone apps. 

Is Jerry worth it?

Despite the drawbacks, yes, I think that Jerry is worth it. With so many insurance comparison sites out there that do not provide actual quotes at the end of the quiz experience, it was refreshing to test one that does (even if I had to download an app to access them). 

For me, Jerry is worth it for a few reasons: 

  • They provide actual quotes at the end of the experience  
  • They offer additional features like maintenance reminders and tools to track your driving habits  
  • They allow you to purchase a policy directly through their app 

However, if you are someone who wants a quick, online experience with no contact information required, Jerry might not be the best option for you. 

How Jerry stacks up against other comparison sites

Jerry vs Insurify

Jerry and Insurify are similar in a few ways. An important similarity to consider is that both sites collect your phone number and email address, which poses a risk for spam. However, they also both promise to protect your data and not sell it to third-parties. 

Another similarity is that both of these tools allow you to purchase an insurance policy directly through their site, so the process can be completed all in one location. 

One key difference between Jerry and Insurify is the quality of results. In my opinion, Jerry offered higher quality results for the profiles that I tested because I was shown more actual insurance companies, and I had access to more quotes.  

Option to sell you a policy High quality results
Jerry Yes Yes
Insurify Yes No

Jerry vs Rate Retriever

There are two distinct differences between Jerry and Rate Retriever. The first is that Rate Retriever is a fully online comparison tool while Jerry requires you to leave their website and download an app to complete the experience. Next, Rate Retriever allows you to access your rates without requiring any contact information while Jerry requires both your phone number and email address to see your matches.  

These two comparison tools also have a few similarities, including the fact that (in my experience) both will provide you with actual quotes or rate estimates at the end of the experience. This sets both Jerry and Rate Retriever apart from some other comparison sites that redirect you to a provider’s site or to different comparison tools to access your rates. However, Rate Retriever consistently returns more rates than I was able to get through Jerry, giving rates for as many car insurance companies as it can, not just the ones we work with.  

Another similarity between these tools is that they both offer the option to call and speak with a live agent to help answer any policy questions or help you complete your purchase so that you never feel alone in your insurance shopping journey. 

Requires contact information Option to speak with live agent
Jerry Yes Yes
Rate Retriever No Yes

Customer reviews of Jerry

Jerry’s app has a rating of 4.7-stars on the app store based on more than 16,000 reviews. The majority of these reviews are positive and highlight things such as a positive user experience, saving money on yearly premiums, helpful agents, and more. 

Most of Jerry’s more negative reviews point out flaws such as inaccurate quotes, limited results, and ineffective customer service. 

Who should use Jerry

Jerry is best suited for users who are comfortable using a mobile app to shop for insurance. If you are someone who prefers to do your online shopping on your smart phone rather than on a laptop, this tool is probably a good choice for you. 

Also, if you are looking to get more out of a tool than just insurance comparison, Jerry might work for you because they offer additional services such as maintenance reminders. 

Who shouldn't use Jerry?

People who want to complete the insurance comparison process on a laptop rather than on their cell phone should not use Jerry. Since there seems to be no way to access quotes or insurance companies without downloading the app, people who are not savvy with a smart phone would probably not like this tool. 

Jerry company details

If you are interested in learning more about Jerry, you can call their customer service number at 1-833-445-3779 7 days a week from 8:00 AM ET8:30 PM ET. You can also reach them via email at [email protected]. 

Jerry Insurance FAQs

Is Jerry a good insurance company? 

Jerry is not an insurance company. It is an online insurance broker and mobile app that matches you with insurance companies based on your answers to questions such as what state you live in, your credit score, and your incident history.

Is Jerry legit?

Jerry is legit in that they are a reputable company that will try to help you compare insurance rates from providers in your area. They also promise to keep your data secure and not spam you with unwanted phone calls or emails.

Is Jerry safe?

Jerry is safe to use as they promise not to mishandle your personal data. They are a trustworthy source for comparing car insurance rates.

Is Jerry reliable?

Based on the over 16,000 user reviews on the App Store that earned the site a 4.7-star rating, Jerry is a reliable source for comparing insurance rates. 

Who owns Jerry?

Jerry was co-founded by Art Agrawal, Musawir Shah, and Lina Zhang in 2017.

Methodology

For each car insurance comparison website we review, we evaluate several factors including: 

  • Risk of spam – based on contact and personal information required and the number of calls, texts, and/or emails we received after testing 
  • Quality of results – including the variety and relevancy of results, how many end-providers are listed, and if rates/quotes are included in the results 
  • Overall user experience – including the quiz length, unique features, ease of completing a policy purchase, and customer reviews   

We tested and evaluated results for 3 different driver profiles: 

  • A married 50-year-old male and female in 02125 (MA) with a Good credit score driving a 2023 RAV4 LE and a 2020 RAV4 LE 
  • A single 35-year-old male in 14215 (NY) with a Good credit score driving a 2023 RAV4 LE 
  • A single 20-year-old male in 76116 (TX) with a Good credit score driving a 2023 RAV4 LE  

The opinions expressed in our review are based on this experience. Our team also has previous knowledge of the insurance comparison industry that may influence how we review top insurance comparison sites.