Yes, Jerry is a real, state-licensed insurance agency, not just an app. It operates under the name Jerry Insurance Agency, LLC and says it is licensed to sell insurance in all 50 states and Washington, D.C. Jerry itself is not an insurance company: it helps you compare and apply for a policy, and the insurer you end up with sets the final price and pays covered claims.
Jerry is best known for an app that keeps rechecking your rate after you sign up and can help you switch if it finds a better price. Before you use it, it helps to know how Jerry gets paid and what it does with your information, since its privacy policy describes data sharing differently than its marketing pages do.
Key Takeaways
- Jerry Insurance Agency, LLC is licensed in all 50 states and Washington, D.C. under producer number 18788611. Texas’s own public agency-license data lists that same number, an easy way to confirm the claim outside Jerry’s own site.
- Jerry earns commissions from insurers when you buy through it and may add a broker fee, which it says is always disclosed before purchase and does not change your premium.
- Jerry’s marketing says it never sells or shares your data, while its privacy policy says some disclosures to partners, such as social media companies for targeted marketing, may count as selling or sharing under California law. Read the policy and use its opt-out form if that matters to you.
- Any price Jerry shows is a non-binding estimate. Jerry’s terms say a quote is not a contract, and it can change once an insurer reviews your full application.
What Jerry Is and Who Runs It
| Question | Short Answer |
|---|---|
| Is it an insurance company? | No. It is a licensed insurance agency (brokerage). |
| Legal name | Jerry Insurance Agency, LLC |
| Owner | Jerry Services, Inc., privately held |
| Licensed since | 2017 |
| How it is paid | Commissions from insurers; may add a disclosed broker fee |
| Data practice | Marketing says it never sells data; the privacy policy says some partner disclosures may count as selling or sharing under California law |
Jerry does business as Jerry Insurance Agency, LLC, which its own licensing page describes as a wholly owned subsidiary of Jerry Services, Inc. The company is privately held, and its terms of use note that some transactions run through the ISU Insurance Agency Network.
Jerry’s licenses page lists it as a licensed insurance broker in all 50 states and Washington, D.C., with more than 100 licensed agents, under producer number 18788611, in business since 2017. Texas’s public agency-license dataset independently lists Jerry Insurance Agency, LLC under that same number, with an active Texas license running through 2028, a useful outside check on a company’s own licensing claims.
How Jerry Makes Money
Jerry says insurance companies pay it a commission when you buy a policy through the app, which is how the NAIC says most independent and captive agents are compensated. Jerry may also charge a broker fee, which it says is always disclosed before you buy and does not change the price of your coverage.
Jerry’s terms of use go a step further, stating that by using the service you let Jerry accept commissions or other compensation from the carriers and lenders it works with. The same terms describe quotes as non-binding: they are not a contract or an insurance binder and can change once an insurer reviews more of your information.
What Happens to Your Information
Jerry’s marketing is direct about this. Its “is Jerry legit” page promotes a “DataLock Guarantee” and states plainly, “Jerry never sells your data,” adding that the guarantee “means the company will never sell or share your personal data with third parties” and that you “will not receive spam calls or unsolicited messages from outside companies.”
The privacy policy is more nuanced. In its California disclosures, it says some of Jerry’s disclosures to partners may be considered “sharing” under California law, which generally means use for cross-context behavioral advertising, and it lists social media companies and partners for targeted marketing among those recipients. Separately, it says it discloses information under written contracts to data providers and partners that help deliver its services, including insurance and loan products. The policy also lists the data Jerry collects, including your Social Security number, driver’s license, driving history and financial account details.
Because the marketing page and the privacy policy describe data use differently, read the policy yourself. To opt out of any sale or sharing, it points to a “Do Not Sell or Share My Personal Information” form or privacy@getjerry.com. For texts, reply STOP, and you can unsubscribe from marketing emails or adjust notifications in the app.
How to Check Any Comparison App or Site
Some comparison sites are licensed agencies whose own agents help you apply, like Jerry. Others are mainly referral or lead-generation sites that collect your contact information and pass it along. The FTC describes lead generators as businesses that collect your contact information, then sell it to marketers. Knowing which kind of site you are using tells you who is likely to contact you next.
- Legal name and license: Look up the exact legal name, not just the brand name, with your state insurance department or the NAIC’s directory of state insurance departments.
- How it is paid: Commissions are normal for a licensed agent; ask about any added fees and whether they change your price.
- What the privacy policy actually says: Marketing pages and privacy policies do not always match, so read the policy for the specific list of who receives your data.
- Who the insurer is: The app or site is not who pays your claim. Confirm the insurer’s name before you buy.
- Complaints: Check your state insurance department and the BBB for a pattern of complaints, and remember that a rating is the BBB’s opinion, not a guarantee.
For a longer walk-through of these checks, including how to look up a state license yourself, see whether Policygenius is legit.
If you would rather compare quotes without going through an app first, you can compare car insurance quotes directly. Use the same coverage limits and deductible on each quote so the prices are easy to compare.
For another rate-comparison app, see whether Otto Insurance is legit.
Frequently Asked Questions
Is Jerry the Company That Would Pay My Claim?
No. Jerry is the licensed agency that helps you shop, compare and apply. Once you buy, a separate insurance company issues the policy, sets the final premium after underwriting and pays any covered claim. Confirm which insurer you were matched with before you decide.
How Do I Stop Calls or Texts After Getting a Jerry Quote?
Reply STOP to opt out of texts, one of the methods Jerry’s terms of use list along with END, CANCEL, UNSUBSCRIBE and QUIT. You can also use the unsubscribe link in emails, change notification settings in the app, or email privacy@getjerry.com.
Where Can I Complain About Jerry?
Start with Jerry directly. If that does not resolve things, your state insurance department licenses insurance agents and handles consumer complaints, and you can find yours through the NAIC’s directory.
Sources
- Jerry: Insurance Licenses
- Jerry: Terms of Use
- Jerry: Is Jerry Legit?
- Jerry: Privacy Policy
- Texas Department of Insurance: Insurance Agencies and Businesses Approved to Manage Insurance-Related Products
- BBB: Jerry Business Profile
- NAIC: How to Choose an Insurance Agent
- NAIC: Insurance Departments
- FTC: The Lead-Generation Bait-and-Switch
- BBB: Overview of BBB Ratings