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Finding the cheapest car insurance quotes in Jamaica Plain shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Jamaica Plain
The car insurance rate in Jamaica Plain is $2114 for a six-month policy, which is $582 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $615, making it a popular choice for budget-conscious drivers. Rates in Jamaica Plain can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $615 for a six
month policy, Safety Group offers
the cheapest
auto
insurance rates in the city.
2nd place: Vermont Mutual
Vermont Mutual offers auto
insurance rates at $722 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $918
for six months, making it
the third cheapest auto insurance company in Jamaica Plain.
Jamaica Plain Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Jamaica Plain, MA is Safety Group, offering policies at just $615 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $722.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $6853 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jamaica Plain drivers find the best deals.
Cheap Car Insurance Companies in Jamaica Plain, MA
Way's key takeaways about car insurance in Jamaica Plain
The auto insurance costs in Jamaica Plain fall around $615 for six
months.
The cheapest auto insurance company in Jamaica Plain is State Farm.
Teen drivers pay the highest rate in Jamaica Plain at $1064 per
month.
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Cheapest Minimum Liability Car Insurance in Jamaica Plain
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Jamaica Plain are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Jamaica Plain. Their Average 6 Month Premium is $139.
Allstate is the most
expensive at $631 for the same
period.
Cheapest Full Coverage Car Insurance in Jamaica Plain
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Jamaica Plain is Safety Group
at $102 per month and $615
for six months.
Cheapest Full Coverage Car Insurance Quotes in Jamaica Plain,
MA
Get Your Car Insurance Quote in Jamaica Plain
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Average Car Insurance in Jamaica Plain by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Jamaica Plain, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Jamaica Plain, Massachusetts, may be increasing due to several external factors.
Massachusetts has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Jamaica Plain's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Jamaica Plain
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
State Farm
$495
30s
State Farm
$400
40s
State Farm
$400
50s
State Farm
$400
60s
State Farm
$353
70s
State Farm
$305
Cheapest Car Insurance Rates for Teen Drivers in
Jamaica Plain,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Jamaica Plain at $36
per
month. At $6254 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in Jamaica Plain.
As young drivers face the highest rates in Jamaica Plain, State Farm
offers the cheapest auto insurance rates at $495 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Jamaica Plain,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Jamaica Plain is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Car Insurance Rates with An Accident in Jamaica Plain
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Jamaica Plain, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Jamaica Plain
The cheapest car insurance companies after an at-fault accident in
Jamaica Plain include American Family
and Safety Group, offering $337
and $377,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2819.
Here is a list of driving violations that can increase your car
insurance rates in Jamaica Plain MA. For example, the car
insurance in Jamaica Plain
after a DUI increases to $1026 for a six
month policy. While the rate increases by $271 for a six-month policy in the case of
a speeding ticket.
Jamaica Plain auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1090
$182
One Med/PIP claim
$1090
$185
Not-at-fault accident
$1123
$188
One comp claim
$1123
$190
Two Med/PIP claims
$1123
$188
Two comp claims
$1163
$197
At-fault accident - less than $1000
$1205
$201
Child safety restraint
$1246
$213
Driving without lights
$1246
$207
Failure to wear a seat belt
$1263
$215
Cell phone violation
$1352
$225
Texting while driving
$1352
$230
Driving too slowly
$1361
$226
Failure to stop at a red light
$1361
$232
Failure to yield
$1361
$226
Following too closely
$1361
$232
Illegal turn
$1361
$226
Improper passing
$1361
$232
Speeding 11 - 15 MPH over limit
$1361
$226
Speeding 16 - 20 MPH over limit
$1361
$232
Speeding 6 - 10 MPH over limit
$1361
$226
Speeding in school zone
$1361
$232
Wrong way/wrong lane
$1361
$226
In 65 MPH zone
$1369
$233
Speeding 21 - 25 MPH over limit
$1369
$228
Operating a vehicle without permission
$1377
$235
Passing school bus
$1435
$239
At-fault accident - $1000-$2000
$1689
$287
Failure to show documents
$1721
$287
At-fault accident - greater than $2000
$1729
$294
Driving with expired registration
$1737
$290
Open container
$1837
$312
Reckless driving
$1983
$331
Refusal to submit to a chemical test
$2024
$344
Driving with a suspended license
$2107
$351
Racing
$2107
$359
DUI
$2116
$352
Leaving scene of an accident/hit and run
$2139
$364
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Jamaica Plain after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Jamaica Plain.
The cheapest car insurance premiums in
Jamaica Plain are
offered by American Family at $410 for a six-month policy.
However, it can be as
expensive as $3500 with companies
like Allstate.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Jamaica Plain are offered by State Farm
at $181. However,
it can be as expensive as $2156
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Jamaica Plain after Speeding ticket
Car Insurance Price Trends in Jamaica Plain,
Massachusetts
Car insurance rates in Jamaica Plain have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Jamaica Plain dipped by
$301 in December
compared to $306 of November. In other words, there has been an decrease by $5 when you
compare December and November.
The average cost of liability insurance in the Jamaica Plain rose to $59 in December,
compared to $58 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Jamaica Plain by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Jamaica Plain. At $4228 for a
six-month policy, insuring
your car at 2130 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Jamaica Plain?
The car insurance in Jamaica Plain is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Jamaica Plain?
The cheapest car insurance in Jamaica Plain
is $102 per month
for full coverage.
How much is car insurance in Jamaica Plain for teenagers?
Car insurance for teenagers costs $213 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Jamaica Plain?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $356 per month to insure your
car in Jamaica Plain.
Is car insurance expensive in Jamaica Plain?
Car insurance can be expensive in Jamaica Plain if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Jamaica Plain can be
affordable.
What is the best car insurance in Jamaica Plain,
MA?
The best car insurance company in Jamaica Plain
MA is
Safety Group, offering $615 for a
six-month policy.
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Jamaica Plain Car Insurance
