Jerry’s Car Insurance Data Methodology

At Jerry, transparency isn’t just a principle, it’s how we earn trust. As a licensed insurance brokerage operating in all 50 states and Washington, D.C., Jerry has helped over 5 million drivers compare car insurance quotes from 100+ insurers. Every quote interaction generates real-world pricing data that powers the rate information, comparisons and insights published across our site.

Unlike many insurance comparison websites that rely on third-party rate filing estimates, Jerry’s data comes directly from real consumer quote interactions with our partner insurers. This page explains exactly how we collect, process, verify and analyze that data, so you can evaluate our work for yourself.

Our data sources

Proprietary quote data – our primary data source

Jerry’s primary data source is our proprietary database of car insurance quotes generated through real consumer interactions on our platform. When a driver uses Jerry to compare car insurance, they provide basic information about themselves and their vehicle to get quotes from our insurance partners. All data is anonymized before any editorial or analytical use, and Jerry never sells or shares customer data with telemarketers.This means every data point in our database represents a real quote from a real insurer, for a real driver, at a real point in time. Our data reflects actual market pricing, not estimates modeled from public rate filings.

Key characteristics of Jerry’s proprietary data:

• Sourced from millions of real customers across all 50 states and Washington D.C.
• Includes quotes from 100+ insurers, representing a broad cross-section of the U.S. auto, home & renters insurance market.
• Updated continuously as new quotes are generated daily on our platform.
• Reflects real market pricing behavior, including insurer responses to economic conditions, regional risk and consumer demographics.

All data is always anonymized before any analytical or editorial use, and never sold or shared for marketing purposes.

Supplementary government and industry sources

To provide context, benchmarking and validation for our proprietary data, Jerry’s editorial team also references authoritative government and industry sources. These include:

• National Association of Insurance Commissioners (NAIC) for premium market share data, complaint ratios and industry financial reports.
• National Highway Traffic Safety Administration (NHTSA) for crash and fatality statistics used in state-level risk analysis.
• Insurance Information Institute (III) for industry trends, statistics and educational benchmarks.
• U.S. Bureau of Labor Statistics (BLS) for Consumer Price Index data for auto insurance inflation tracking.
• AM Best for financial strength ratings for carrier evaluations and reviews.
• J.D. Power for customer satisfaction rankings, claims handling scores and insurance shopping experience benchmarks.
• State insurance department rate filings for regulatory context and verification.

All third-party sources are cited directly on the pages where they appear. Jerry conducts its analysis independently – the third-party organizations listed above have not reviewed, approved or endorsed Jerry’s conclusions or editorial content.

How we process and verify our data

Jerry’s data goes through a rigorous four-step process before it reaches any published page. Here’s how we ensure accuracy, statistical validity and editorial integrity at every stage.

Step 1: Collection of real quotes from real drivers

When a driver shops for car insurance through Jerry, they share basic information about themselves and their vehicle. We securely transmit this to our network of partner insurers, who each return a personalized quote based on their own underwriting criteria. This means every data point in our system is rooted in a real interaction between a real driver and a real insurer.

Step 2: Anonymization to protect driver privacy

Before any data is used for editorial or analytical purposes, we have automatic processes in place which remove all personally identifiable information (PII). Where individual driver examples are used in our content, we use computer generated pseudonyms and never display real names. Some general details, such as a driver’s city, vehicle make and model, or coverage type, may appear to provide helpful context, but these are not presented in a way that could identify a specific individual. 

All data used in our published content is handled in full compliance with our privacy policy and all applicable federal and state data privacy regulations. Jerry never sells, shares or provides customer data to third parties for marketing purposes.

Step 3: Analysis to turn raw data into actionable insights

Jerry’s data science team applies statistical methods to transform raw quote data into the rate averages, comparisons and trend analyses published on our site. Our analytical process includes:

• Averages and percentile analysis: We use averages and percentile breakdowns to give readers a clear picture of rate distributions, not just a single number.
• Rolling time windows: We use 12- to 18-month rolling time frames to balance recency with stability, ensuring our published rates reflect current market conditions without being skewed by short-term volatility.
• Cross-validation: Proprietary data is periodically benchmarked against NAIC market reports and BLS price indices to confirm alignment with broader market trends.

Step 4: Editorial review and fact-checking by insurance professionals

Every data point that appears on Jerry’s site passes through a structured editorial review before publication:

• Data scientists prepare and validate datasets for statistical accuracy and sample sufficiency.
• Content editors integrate data into pages with appropriate context, caveats and sourcing.
• Subject-matter reviewers from Jerry’s team of licensed insurance professionals verify that data presentation is accurate and not misleading.

Where our data appears

Jerry’s proprietary data powers rate information across several content categories. Our editorial team tailors datasets to match the specific information needs of each page type, including:

• Cheap car insurance guides: Average rates by carrier, coverage level and driver profile to help readers identify the most affordable options.
• Best car insurance by state: State-specific rate averages, carrier comparisons and cost rankings informed by geographic pricing data.
• State-specific insurance pages: Localized rate data by city, coverage type and demographics, with context on state minimum requirements and regulatory environment.
• Insurance company reviews: Carrier-specific pricing data drawn from Jerry quotes, supplemented by NAIC complaint data and AM Best financial strength ratings.
• Home insurance pages: Cost comparisons and coverage recommendations informed by Jerry’s home insurance quote data and III industry benchmarks.
• Data studies and reports: Original research using Jerry’s dataset to identify industry trends, consumer behavior patterns and pricing dynamics.

How often our data is updated

Because Jerry generates new quote data daily, our datasets are among the most current in the car insurance content space:

• Data ingestion: New quote data is added to our database continuously as drivers use Jerry.
• Editorial updates: Published data tables and rate averages are reviewed and refreshed up to once a day to capture changing market conditions..
• Third-party source validation: Government and industry data sources (NAIC, NHTSA, III) are updated on their respective release schedules, typically annually or semi-annually.

Every page displaying Jerry data includes a “last updated” date so readers can confirm when the information was last reviewed.

Why you can trust Jerry’s data

The car insurance content space is crowded, and not all data is created equal. Here’s what distinguishes Jerry’s approach:

First-party data from real transactions. Many insurance comparison and personal finance websites license rate estimates from Quadrant Information Services, a third-party analytics provider that models insurance prices from public rate filings. These filings describe how a company intends to price policies, but they don’t account for real-world variables that affect what a specific driver actually gets quoted. The result from Quadrant and rate filings is a modeled estimate, not an actual quote. Jerry’s data comes from anonymized actual quote interactions between consumers and insurance companies, giving us pricing data that reflects what drivers actually see when they shop insurance.

Licensed brokerage with direct carrier relationships. Jerry Insurance Agency, LLC is a licensed insurance brokerage in all 50 states and Washington, D.C. (CA License #0M34848). We have direct relationships with the carriers whose quotes populate our database, which means we can validate data accuracy firsthand – something a content publisher relying on third-party data cannot do.

Scale that supports statistical reliability. Jerry has served millions of customers, and each customer interaction may generate multiple quotes from multiple insurers. This volume allows us to produce statistically meaningful rate averages and ranges across a wide range of driver profiles, vehicle types, locations and coverage levels.Editorial independence. Jerry’s content team operates independently from our commercial and sales teams. Our editorial standards, review processes and data methodology are governed by our editorial guidelines, not by our business partnerships.

How Jerry’s data compares to others

The following table summarizes key differences between Jerry’s data methodology and the approaches commonly used by other insurance comparison and personal finance websites:

	Jerry	Editorial websites*	Aggregators**
Primary data source	Anonymized, real consumer quotes from 100+ insurers, supplemented by government and industry sources.	Modeled estimates from Quadrant Information Services rate filings.	Varies; often Quadrant or limited carrier partnerships.
Update frequency	Up to daily, as new quotes are added continuously.	Annually or semi-annually.	Varies by provider.
Reflects real market pricing	Yes, based on actual insurer responses.	Partially, estimates based on filed rates, not quotes.	Partially, it depends on the data source.

*Examples include NerdWallet, Bankrate and U.S. News, which license Quadrant Information Services data. **Aggregator sites such as The Zebra and Insurify may combine Quadrant data with limited quote data.

The team behind our data

Jerry’s data and content operations are managed by a cross-functional team of data scientists, licensed insurance professionals and experienced writers and editors:

• Data science team: Responsible for data pipeline management and quality assurance. Our data scientists often hold advanced degrees in statistics, mathematics and computer science.
• Content and editorial team: Writers and editors with deep expertise in personal finance and insurance. Our editorial team’s work has appeared in or been cited by the Associated Press, The Washington Post, USA Today, New York Magazine, MarketWatch, CNN and The Wall Street Journal.
• Licensed insurance professionals: Jerry’s agents provide subject-matter expertise that informs how we contextualize and present data to consumers.

Editorial independence and conflicts of interest

Jerry is both an insurance brokerage and a publisher of insurance content. We believe readers deserve to know how we manage potential conflicts of interest:

• Jerry’s editorial team operates independently from our sales, partnerships and business development teams.
• No insurer/partner has editorial input into how data is presented, which carriers are featured or what conclusions our content draws.
• Our editorial guidelines are published and available for review. They govern all content decisions, including how data is selected, analyzed and published.
• Where Jerry earns a commission or referral fee from a carrier, this is disclosed to readers. Commercial relationships do not influence our data analysis or editorial recommendations.

Important caveats about car insurance data

Car insurance pricing is highly personalized. While the aggregated data on our site can help you understand general pricing trends and compare carriers, there are important limitations to keep in mind:

• Averages and ranges are not quotes. The rate averages we publish reflect broad trends across our user base. Your actual premium will depend on your unique profile, including your driving history, credit (where permitted), vehicle, location and chosen coverage levels.
• Our data reflects Jerry’s user base. Because our data comes from consumers who use Jerry, it reflects the demographics and driving profiles of our users. This may differ from the broader population or from other platforms’ user bases.
• Carrier availability varies. Not all carriers are available in all states or through all channels. Our data reflects quotes from carriers in Jerry’s partner network.
• Comparing real quotes is always best. Published rate data is a helpful starting point, but the most accurate way to know what you’ll pay is to compare personalized quotes from multiple insurers.

Questions about our data?

We welcome feedback, corrections and inquiries about our data and methodology. Reach Jerry’s editorial team:

• Email: hi@jerry.ai 
• Media inquiries: press@jerry.ai