---
title: "What is Jerry Insurance? [Updated 2026]"
description: "Jerry is a real company that can sell you real insurance. However, they are not an insurance carrier, so they don't insure your car or home directly."
canonical: "https://www.coveragecat.com/reviews/jerry"
last-updated: "2026-08-12"
---

# Is Jerry Insurance legit?

*NOTE: Coverage Cat is an independent platform and is not affiliated with, sponsored by, or endorsed by Jerry Services, Inc. Yes, Jerry is a real company that can sell you real insurance. But Jerry is not an insurance carrier, so they don't insure your car or home directly. Instead, they connect you with insurance companies and allow you to compare quotes through a phone app.*

1. [Introduction to Jerry Insurance](#introduction)
2. [What Kind of Car Insurance Does Jerry Offer?](#typesof)
5. [How Does Jerry Insurance Work?](#howdoesitwork)
6. [Pros and Cons of Jerry Insurance](#proscons)
6. [Ratings and Customer Feedback for Jerry Insurance](#ratings)
7. [Get Customer Support for Jerry Insurance](#support)
7. [Should I Buy Jerry Insurance?](#support)
8. [Frequently Asked Questions (FAQ)](#faq)

##  <a id="introduction"></a>Introduction to Jerry Insurance

Jerry is a free insurance comparison app that launched in 2019 and uses artificial intelligence to match users with insurance policies. [Founded by Art Agrawal, Lina Zhang, and Musawir Shah](https://jerry.ai/about), Jerry primarily focuses on car insurance but has recently started offering some [renters](/insurance-types/renters-insurance) and [homeowners](/insurance-types/homeowners-insurance) insurance policies as well. While Jerry can help you buy insurance, it is not an insurer. Jerry is an [insurance broker](/glossary), meaning they work with insurance companies to sell their policies.

According to [PR Newswire](https://www.prnewswire.com/news-releases/jerry-launches-revamped-website-to-help-drivers-make-smarter-insurance-and-auto-decisions-302452453.html), Jerry is now the largest digital car insurance broker in the U.S., helping more than five million customers. 

Jerry's focus is cars—not just insurance. Since launching, they've also introduced features targeting [loan refinancing](https://getjerry.com/car-repair/), [car maintenance](https://getjerry.com/garageguard), and even [driving safety](https://getjerry.com/driveshield/) on their AllCar app.

## Jerry Insurance at a Glance

| Feature | Details |
|---------|---------|
| Company Type | Licensed insurance broker (not an insurance carrier) |
| States Licensed | All 50 states plus Washington, D.C. |
| Partner Carriers | 50+ insurers including Allstate, Progressive, Travelers, Geico, Erie, Clearcover |
| Customers Served | 5+ million drivers |
| App Store Rating | 4.7 stars (27,000+ reviews on Apple App Store) |
| Google Play Rating | 4.3 stars (14,000+ reviews) |
| BBB Rating | A+ (accredited) |
| Founded | 2017 (launched 2019) |
| Headquarters | Palo Alto, California |

##  <a id="typesof"></a>What kind of car insurance does Jerry offer?

Jerry is [licensed to sell car insurance in all 50 states](https://jerry.ai/car-insurance/is-jerry-legit/) and works with over 50 insurance companies. These include companies like Allstate, Travelers, and Progressive, but also regional insurers like Erie or Clearcover. Any car insurance policy you buy through Jerry is the same as a policy you can buy directly from the insurer, meaning you'll receive the same protection whether you buy from Jerry or through a direct-to-consumer sales portal.

Jerry is an [app-based, direct-to-consumer insurance company](https://www.ycombinator.com/companies/jerry-inc). Customers can go directly to Jerry's online quoting site or download their app, create an account, and purchase their policy, all online. **You must download the Jerry app to receive quotes—even if you start on their site.**

After purchasing, customers manage their policy through the actual insurance carrier, not Jerry. Customers can, however, use the Jerry app to re-shop for insurance at any time or even allow alerts for their renewal. To access all of these benefits, you are required to keep the Jerry app on your phone or redownload it every time you want to shop.

### Does Jerry sell full coverage for car insurance?

Full coverage doesn't really exist—no insurance policy covers you fully against all possible claims—but this usually means that your policy includes [comprehensive](/insurance-types/comprehensive-coverage) and [collision coverage](/insurance-types/collision-coverage), and [higher liability limits](/insurance-types/liability-car-insurance). Since Jerry works with a few different insurance companies, they can sell you insurance with these coverages. Jerry can offer these through its partner carriers—but your ability to get full coverage depends on the insurer and your vehicle.

### Does Jerry sell liability insurance?

Yes, Jerry sells liability insurance. As a licensed insurance broker, Jerry must follow certain [minimum liability requirements set by each state](/insurance-types/minimum-car-insurance-requirements) for bodily injury and property damage coverage (they also might be required to offer coverages like [personal injury protection](/insurance-types/personal-injury-protection-pip) or [uninsured motorist](/insurance-types/uninsured-underinsured-motorist-uiuim) ). These minimum requirements are usually what are referred to as "minimum liability policies" and they provide protection if you cause an accident that injures others or damages their property (cars, as well as buildings or other structures). 

##  <a id="howdoesitwork"></a>How does Jerry Insurance work?

**Enter your information:** Jerry's website and social media ads claim you can sign up in 45 seconds. [Credit Karma confirms](https://www.creditkarma.com/insurance/i/jerry-auto-insurance-review) the sign-up process takes about this long. **We found that, while signing up was easy and can be completed under a minute – there are a few more steps and minutes involved in receiving a real quote.**  If you get started on their website, Jerry asks you a few questions about your existing insurance policy, and gathers personal information (your credit score range, full name, and phone number). Once you've provided your number, you receive a 4-digit verification code and are directed to download the Jerry app – the only place where you can continue to receive your quotes. This also gives Jerry permission to send you automated marketing messages.

**Select your policy:**  Once you've downloaded the Jerry app, you'll need to answer a few additional questions before you can view your car insurance quotes. Jerry accesses public records using your phone number to autopopulate data such as your cars and addresses. They'll ask you to review this information, and you can make changes if anything is missing or if you need to add a new car or address. For your initial quotes, Jerry will provide prices for minimum liability coverage for your state, but you can edit your coverages to include higher bodily injury, property damage, uninsured motorist, or to include collision and comprehensive coverages. While Jerry provides helpful definitions for each coverage, you do have to know exactly what you want as you customize your policy.

**Review your information:** After you click final price on the carrier you've chosen, Jerry requires you to check the information you've already entered. You're also required to do this any time you submit – like if you want to check out their renters/homeowners policies or want to compare prices for different coverages. You can do this fairly quickly in the app (it's all previously entered information), but it does mean a series of extra clicks whenever you want to shop for a quote again. Once you've received final quotes, you have to review your policy. Not every insurance company can offer the exact coverages you want, so Jerry tries to match you with policies that are close (but not always an exact match).

**Pay for your policy:**  Once you've received final quotes (this takes about 10 minutes), you might find that your price is higher than estimated. Jerry runs insurance reports while you wait and might have found tickets or claims that weren't on your form. The insurance company might also decide it doesn't want to insure you or your vehicle. If you want to compare this final price with another carrier, you can't hold onto the quote and come back to it later. Jerry releases the quote to get you a final price from a different company. After you review your quotes, however, Jerry lets you provide payment in their app without any additional processing fees.

## Jerry Insurance Revenue Model

Unlike many insurance comparison sites that operate as lead generators and sell your information to multiple carriers, [Jerry uses a recurring revenue model](https://jerry.ai/newsroom/jerry-series-c-funding/). The company earns commissions from insurance companies when customers purchase policies through the platform, but these commissions do not mark up the quoted prices. [Credit Karma confirms](https://www.creditkarma.com/insurance/i/jerry-auto-insurance-review) Jerry does not charge customers any fees beyond what the insurance carrier charges.

##  <a id="proscons"></a>Pros and Cons of Jerry Insurance

| Pros | Cons |
|------|------|
| One app for car insurance, loan refinancing, and auto repair | Required app download |
| Available across the US in all 50 states plus Washington, D.C. | Initial quotes are estimates |
| Multiple carriers available (50+ partner insurers) | Focused on car insurance and car ownership, not homeowners, renters, or umbrella policies |
| No spam calls or data selling (DataLock™ Guarantee) | Cannot compare final quotes from multiple carriers simultaneously |
| Over 100 licensed insurance agents available | Limited homeowners and renters insurance offerings |
| Automatic rate monitoring before renewal | Must grant app permissions to access all features |

##  <a id="ratings"></a>Ratings and Customer Feedback for Jerry Insurance

| Source | Avg. Rating & Count | Representative Quote | Takeaway |
|--------|---------------------|----------------------|----------|
| [**Apple App Store**](https://apps.apple.com/us/app/jerry-the-allcar-app/id1258315950?) | 4.7 ★ (≈ 27K reviews) | "Highly recommend… pricing even cheaper than the quotes of the insurance company itself." | Great value & UI, responsive team |
| [**Google Play Store**](https://play.google.com/store/apps/details?hl=en_US&id=com.jerrym&) | 4.3 ★ (≈ 14K reviews) | "The quote is close enough and at the end it'll confirm the actual rate with the provider you select." | Functional, but quotes sometimes vary |
| [**Trustpilot**](https://www.trustpilot.com/review/jerry.ai?) | 4.4 ★ (≈ 164 reviews) | "Support That Isn't Support… their system and the agent response didn't align… issued a $166.49 refund." | Support issues, resolved post-escalation |
| [**BBB Profile**](https://www.bbb.org/us/ca/palo-alto/profile/auto-insurance/jerry-1216-718137?) | A+ rating (accredited) | "Accredited and responsive, but some consumer complaints exist." | Accredited but operational friction reported |

### Real App Store & Play Store reviews for Jerry Insurance
<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p class=""><b>Ash, August 2023</b></p>
  </div>
  <div class="column">
    <p class="">It's not a scam! I was hesitant to try this but was
    desperate for help getting new insurance. My old insurance
    company left me with a huge mess to deal with within my states
    DMV and it was time for them to go... I was able to get quotes,
    good ones AND bad ones. Just be prepared to be bombarded with
    companies hitting you up now that you're on the market. You can
    make payments in app, you can get copies of your records in app
    (amazing!) And you can even schedule payments towards your
    policy!</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>4 ★</p>
    <p class=""><b>Tyrone, 2023</b></p>
  </div>
  <div class="column">
    <p class="">Loved no deposit and instant proof of insurance.
    This is still cheaper than other insurances upfront and a
    li long run. More money saved in my pocket</p>
    <p class="">Used this app for the first time and enjoyed how
    easy it was to operate, get quotes, and being able to talk to
    agents through the app as well as over the phone. Only issue on
    my end is you should be able to refresh a failed card for
    repayment instead of having to add another card on the app. Had
    I been able to do that, I wouldn't have had to call, but agent
    Crystal was great to have as an agent.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>3 ★</p>
    <p class=""><b>Ben, September 2020</b></p>
  </div>
  <div class="column">
    <p class="">Overall a decent experience. Navigation of the app
    is a bit tricky when moving back and forth between quotes and
    changing the desired coverage in the quotes. Building a custom
    quote is tough. But I was hooked up with a coverage that is
    sufficient for now. They were a day later than promised on
    getting my coverage running. But they still set me up.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>3 ★</p>
    <p class=""><b>Cristina, July 2022</b></p>
  </div>
  <div class="column">
    <p class="">This is my first time trying this app to shop for
    auto insurance, but I keep having to re-enter my selections
    (trying to add glass coverage for example). I select it, hit
    save, it goes into shopping mode, and when it pulls up quotes,
    none of them include the damn glass coverage that I just
    requested. So I have to do it again. And again. Etc etc. It's
    been a pain in the rear tbh. I'm not sure I'll use this app
    again.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>2 ★</p>
    <p class=""><b>Holly, June 2022</b></p>
  </div>
  <div class="column">
    <p class="">Apps in my mind are meant to be shortcuts for tools
    I use frequently, not just a forced substitute for mobile
    sites. Being forced to get an app just to get a quote for car
    insurance is frustrating, but of course they don't tell you
    that you'll have to do so up front. I get to the quotes and it
    defaults to a level of coverage way too low for what is
    realistic in my area. I change it to my current level, only to
    find that all of the "deals" are higher than my current rate
    (doesn't even show mine).</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p class=""><b>Zeyad, July 2023</b></p>
  </div>
  <div class="column">
    <p class="">An app that forces you to download it to see the
    services after you spend time giving the website all it asks
    for is an app that can't earn your business legitimately. If
    apps aren't for everyone then why force people to download them
    when you have a fully functioning website?</p>
  </div>
</div>

##  <a id="support"></a>Get customer support for Jerry Insurance

Most of Jerry's customer service happens through their app, so you can only contact them directly through their app or through their phone line. If you need help from Jerry immediately, you can contact them via
- **Phone:** Contact their support team at (833) 445-3779.
- **In App:** After opening the Jerry app, tap "Inbox" and then "Ask an Agent" to connect with their agents through chat.

### How to cancel Jerry Insurance

If you need to cancel an insurance policy you bought through Jerry, you need to reach out to your insurer directly. Jerry insurance only connects you to insurance companies, it doesn't insure your car or home. To cancel a policy, you'll need to reach out to your insurance company directly — usually by phone call, although you can cancel some insurance policies online.

## Should I Buy Jerry Insurance?

Jerry is a legitimate car insurance broker that provides real policies, but it's not for everyone. Jerry's All Car app can be great tool for users who want to simplify different aspects of car ownership. If you know exactly what type of car insurance you want, need reminders for car maintenance and insurance renewals, and don't mind downloading an app — **Jerry could be the right tool for you.**

[Jerry's 2025 State of the American Driver Report](https://jerry.ai/newsroom/jerry-2025-state-of-the-american-driver-report-soaring-costs-push-drivers-to-reevaluate-insurance-car-buying-and-household-budgets/) found that 80% of Americans now consider car insurance unaffordable, which underscores the value of a comparison tool that can help drivers find lower rates. According to [Jerry](https://jerry.ai/), users save on average $600 per year on car insurance.

Jerry, however, is not as good for drivers who need insurance advice or if you're looking for other forms of insurance (such as homeowners, renters, umbrella, or life insurance). Jerry's AI-based system is great at getting you the insurance you want but doesn't advise you on whether you're [under or over-insuring yourself.](/insurance-types/car-insurance-recommendations) If you're buying minimum liability insurance in certain states, for example, you could be on the hook for significant costs if you hit an expensive car or injure someone in a crash. If you need renters or homeowners insurance, you might also benefit from using different services because of Jerry's car focus. Finding [homeowners insurance](/insurance-types/homeowners-insurance) or [renters insurance](/insurance-types/renters-insurance) isn't as easy on the app, and policies like landlord insurance or [umbrella insurance](/insurance-types/umbrella-insurance) aren't offered at all. Finally,  it's difficult to comparison shop if you need to buy more than one type of insurance.

Of course, it's also important to remember that Jerry is an app, and most of its functionality requires downloading their app and keeping it on your phone. If you're not a fan of apps, for privacy/data reasons or you just don't like having an extra app on your phone, then Jerry is not the right choice for you. You can only access quotes on their app and features like insurance renewal reminders, driving rewards, or car maintenance support require that you keep the app on your phone and grant certain permissions.

##  <a id="faq"></a>Frequently Asked Questions

### Is Jerry Insurance a real insurance company?

Jerry is a legitimate company that is licensed to sell insurance as an insurance broker in all 50 states. According to the [Better Business Bureau](https://www.bbb.org/us/ca/palo-alto/profile/auto-insurance/jerry-1216-718137?), Jerry holds an A+ rating and is accredited. The policies that you can purchase through Jerry are real and will provide coverage for you and your vehicle. However, Jerry is not an insurance carrier—it's a licensed broker that connects customers with insurance companies.

### How does Jerry Insurance make money?

Jerry is an insurance broker, which means they earn commissions on any policy they sell. These commissions are not charged to the customer as a fee, but rather paid by the insurance company for finding them new customers. Jerry's other services, DriveShield™, GarageGuard™, and loan refinancing also generate commissions for Jerry by connecting drivers with different service providers.

### Is using Jerry worth it?

If you don't mind downloading an app, and you know exactly what type of coverage you need — Jerry could be worth it for you. According to [Y Combinator](https://www.ycombinator.com/companies/jerry-inc), Jerry users save on average more than $800 per year on car insurance. Even if you don't buy your insurance policies through Jerry, if you want to simplify your car ownership or gain rewards for good driving habits, the All Car app's features could be worth it.

### Does Jerry sell my information to other companies?

No. Unlike many comparison sites that operate as lead generators, Jerry promises not to sell customer data through its DataLock™ Guarantee. According to [Jerry's FAQ](https://jerry.ai/faq/), the company uses bank-level security to protect user data and does not share it with third parties for marketing purposes.

### What insurance companies does Jerry work with?

Jerry partners with over 50 insurance companies, including major national carriers like Progressive, Allstate, Geico, and Travelers, as well as regional insurers like Erie and Clearcover. The exact carriers available to you depend on your location and driving profile.

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