3. Derek Carr, Las Vegas Raiders
Charger fans probably won't like what I am about to write but I think Derek Carr is one of the most underrated quarterbacks in the league. I do not think he is an elite quarterback by any means, but he does not get his fair share of love in the league.
The NFL is simply so talented at the quarterback position that Lock gets lost in the shuffle but there are a lot of things to like about him as a quarterback. He does not turn the ball over often, has a high completion percentage and scored more last season than years past.
That being said, he does still lack that it factor that makes him a quarterback that you want to build a team around. You can definitely go on a Super Bowl run with Derek Carr as your starting quarterback, you are just going to need a really good supporting cast around him.
He is not someone who is going to make your team worse, like Lock, but he is not someone who is going to make your team exponentially better. It is the Kirk Cousins effect.
And before and Cousins fans come at me for that comparison, I know Cousins had the best year of his career in 2020. He also only won seven games and is known for not being a winner.
Like with Carr, quarterbacks are given these narrative until they can prove themselves and shake them off. Carr has not yet done so.