Cheapest Car Insurance Quotes in Old Jamestown

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Old Jamestown Car Insurance

^$ 37

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Old Jamestown

The car insurance rate in Old Jamestown is $1478 for a six-month policy, which is $314 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $634, making it a popular choice for budget-conscious drivers. Rates in Old Jamestown 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.

Avg. Car Insurance in Old Jamestown

$1478

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Old Jamestown

1st place: American Family

At $634 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $852 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $875 for six months, making it the third cheapest auto insurance company in Old Jamestown.

Old Jamestown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Old Jamestown, MO is American Family, offering policies at just $634 for a six-month term. This is followed by USAA, which has an average six-month premium of $852.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3613 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Old Jamestown drivers find the best deals.

Cheap Car Insurance Companies in Old Jamestown, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$634	$108
USAA	$852	$144
Travelers	$875	$147
Encompass	$1193	$198
Shelter	$1229	$207
State Farm	$1342	$226
Electric	$1388	$236
Farm Bureau	$1426	$237
Missouri Farm Bureau	$1516	$258
Progressive	$1570	$264
Allstate	$1683	$283
Nationwide	$1901	$316
Farmers	$3613	$615

Key Takeaways

Way's key takeaways about car insurance in Old Jamestown

The auto insurance costs in Old Jamestown fall around $634 for six months.
The cheapest auto insurance company in Old Jamestown is USAA.
Teen drivers pay the highest rate in Old Jamestown at $1972 per month.

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Cheapest Minimum Liability Car Insurance in Old Jamestown

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 Old Jamestown are given below.

USAA provides the cheapest minimum car insurance coverage in Old Jamestown. Their Average 6 Month Premium is $218. Farmers is the most expensive at $1298 for the same period.

Cheapest Liability Coverage in Old Jamestown, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$218	$37
Missouri Farm Bureau	$241	$41
Electric	$310	$52
Travelers	$316	$53
Farm Bureau	$324	$55
American Family	$339	$57
Encompass	$354	$60
Progressive	$362	$61
Shelter	$445	$75
State Farm	$475	$80
Nationwide	$762	$127
Allstate	$792	$133
Farmers	$1298	$216

Cheapest Full Coverage Car Insurance in Old Jamestown

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 Old Jamestown is American Family at $108 per month and $634 for six months.

Cheapest Full Coverage Car Insurance Quotes in Old Jamestown, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$634	$108
USAA	$852	$144
Travelers	$875	$147
Encompass	$1193	$198
Shelter	$1229	$207
State Farm	$1342	$226
Electric	$1388	$236
Farm Bureau	$1426	$237
Missouri Farm Bureau	$1516	$258
Progressive	$1570	$264
Allstate	$1683	$283
Nationwide	$1901	$316
Farmers	$3613	$615

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Average Car Insurance in Old Jamestown 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 Old Jamestown, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Old Jamestown, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Old Jamestown's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Old Jamestown

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

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Cheapest Car Insurance Rates for Teen Drivers in Old Jamestown,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Old Jamestown at $53 per month. At $11836 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$316	$53
American Family	$362	$61
Travelers	$1373	$231
USAA	$1388	$234
Progressive	$2648	$446
State Farm	$2731	$460
Shelter	$3048	$513
Farm Bureau	$3705	$630
Allstate	$4813	$810
Nationwide	$5801	$987
Farmers	$11836	$1972

Teen Car Insurance Rates in MO by Age

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 Old Jamestown, Kemper is the cheapest car insurance provider. At $580 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 Old Jamestown is Farmers, offering rates of around $7348 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$580	$99
American Family	$618	$103
Nationwide	$716	$122
Travelers	$1154	$194
USAA	$1335	$227
Progressive	$1683	$283
Shelter	$1932	$325
Farm Bureau	$2399	$400
Allstate	$2814	$474
State Farm	$5093	$848
Farmers	$7348	$1250

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Save up to $971/yr on car insurance rates in Old Jamestown.

Car Insurance Rates with An Accident in Old Jamestown

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 Old Jamestown, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Old Jamestown

The cheapest car insurance companies after an at-fault accident in Old Jamestown include Missouri Farm Bureau and Electric, offering $264 and $377, respectively. Farmers is an expensive provider with an average six-month premium of $5152.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$264	$44
Electric	$377	$65
American Family	$415	$69
Encompass	$483	$83
USAA	$687	$116
Travelers	$777	$131
Progressive	$1139	$192
State Farm	$1185	$199
Shelter	$1327	$224
Farm Bureau	$1840	$312
Nationwide	$2814	$469
Allstate	$3418	$575
Farmers	$5152	$859

Old Jamestown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Old Jamestown MO. For example, the car insurance in Old Jamestown after a DUI increases to $1027 for a six month policy. While the rate increases by $355 for a six-month policy in the case of a speeding ticket.

Old Jamestown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2029	$338
One Med/PIP claim	$2029	$345
Not-at-fault accident	$2089	$348
One comp claim	$2104	$358
Two Med/PIP claims	$2104	$351
Two comp claims	$2240	$381
Failure to wear a seat belt	$2301	$384
Failure to show documents	$2309	$392
Child safety restraint	$2346	$391
Driving without lights	$2346	$399
Driving with expired registration	$2361	$394
Cell phone violation	$2376	$404
Driving too slowly	$2376	$396
Following too closely	$2376	$404
Speeding in school zone	$2376	$396
Failure to yield	$2384	$405
Speeding 11 - 15 MPH over limit	$2384	$398
Speeding 16 - 20 MPH over limit	$2384	$405
Speeding 6 - 10 MPH over limit	$2384	$398
Texting while driving	$2384	$405
Illegal turn	$2391	$399
Wrong way/wrong lane	$2391	$406
Failure to stop at a red light	$2399	$400
Improper passing	$2399	$408
Speeding 21 - 25 MPH over limit	$2399	$400
In 65 MPH zone	$2414	$410
Passing school bus	$2459	$410
Open container	$2535	$431
Operating a vehicle without permission	$2595	$433
At-fault accident - less than $1000	$2807	$478
At-fault accident - $1000-$2000	$2964	$494
At-fault accident - greater than $2000	$2964	$504
Refusal to submit to a chemical test	$3002	$500
DUI	$3056	$519
Driving with a suspended license	$3123	$521
Racing	$3199	$544
Leaving scene of an accident/hit and run	$3244	$541
Reckless driving	$3282	$558

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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 Old Jamestown 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 Old Jamestown.

The cheapest car insurance premiums in Old Jamestown are offered by Missouri Farm Bureau at $316 for a six-month policy. However, it can be as expensive as $6608 with companies like Farmers.

Old Jamestown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$316	$53
American Family	$408	$67
Kemper	$505	$86
Travelers	$815	$137
USAA	$1041	$175
Progressive	$1093	$184
Shelter	$1478	$249
State Farm	$1607	$271
Farm Bureau	$1735	$295
Allstate	$2799	$471
Nationwide	$3508	$597
Farmers	$6608	$1101

Cheapest car insurance after a speeding ticket

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 Old Jamestown are offered by American Family at $408. However, it can be as expensive as $4587 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Old Jamestown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$408	$70
Travelers	$845	$142
USAA	$875	$149
Shelter	$973	$164
State Farm	$1041	$175
Progressive	$1267	$213
Farm Bureau	$1471	$250
Allstate	$2543	$424
Farmers	$4587	$780

Car Insurance Price Trends in Old Jamestown, Missouri

Car insurance rates in Old Jamestown have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Old Jamestown rose by $283 in January compared to $165 of December. In other words, there has been an increase by $118 when you compare January and December.

The average cost of liability insurance in the Old Jamestown rose to $71 in January, compared to $61 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Old Jamestown?

The car insurance in Old Jamestown is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Old Jamestown?

The cheapest car insurance in Old Jamestown is $108 per month for full coverage.

How much is car insurance in Old Jamestown for teenagers?

Car insurance for teenagers costs $316 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 Old Jamestown?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $249 per month to insure your car in Old Jamestown.

Is car insurance expensive in Old Jamestown?

Car insurance can be expensive in Old Jamestown if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Old Jamestown can be affordable.

Cheapest Car Insurance Quotes in Old Jamestown

Why you can trust Way?

How Much Is Car Insurance in Old Jamestown

Avg. Car Insurance in Old Jamestown

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Old Jamestown

1st place: American Family

2nd place: USAA

3rd place: Travelers

Old Jamestown Car Insurance Rates by Company

Cheap Car Insurance Companies in Old Jamestown, MO

Way's key takeaways about car insurance in Old Jamestown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Old Jamestown

Cheapest Liability Coverage in Old Jamestown, MO

Cheapest Full Coverage Car Insurance in Old Jamestown

Cheapest Full Coverage Car Insurance Quotes in Old Jamestown, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Old Jamestown by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Old Jamestown, MO increasing?

Car Insurance Premiums by Age in Old Jamestown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Old Jamestown,MO

If you are in your twenties N/A is the best choice for car insurance in Old Jamestown.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Old Jamestown

Cheapest Car Insurance Companies after an At-Fault Accident in Old Jamestown

Old Jamestown Car Insurance Rates by Violation

Old Jamestown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Old Jamestown after a DUI

Old Jamestown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Old Jamestown after Speeding ticket

Car Insurance Price Trends in Old Jamestown, Missouri

Average Car Insurance Cost in Old Jamestown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Old Jamestown, MO

Car Insurance Rates by State in the USA (2025 Update)

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