Cheapest Car Insurance Quotes in Jamestown

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Jamestown Car Insurance

^$ 20

/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 Jamestown

The car insurance rate in Jamestown is $995 for a six-month policy, which is $64 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $676, making it a popular choice for budget-conscious drivers. Rates in 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 Jamestown

$995

Avg. Car Insurance in New Mexico

$1059

National Average

$1278

Cheapest Car Insurance Companies in Jamestown

1st place: USAA

At $676 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $720 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $804 for six months, making it the third cheapest auto insurance company in Jamestown.

Jamestown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jamestown, NM is USAA, offering policies at just $676 for a six-month term. This is followed by Encompass, which has an average six-month premium of $720.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1022 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jamestown drivers find the best deals.

Cheap Car Insurance Companies in Jamestown, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$676	$114
Encompass	$720	$120
Nationwide	$804	$135
State Farm	$821	$138
Central Mutual	$904	$154
Progressive	$966	$163
Central Insurance	$1128	$192
Farmers	$1151	$194
Allstate	$1318	$222
Farm Bureau	$1441	$240
Kemper	$1022	$170

Key Takeaways

Way's key takeaways about car insurance in Jamestown

The auto insurance costs in Jamestown fall around $676 for six months.
The cheapest auto insurance company in Jamestown is Central Mutual.
Teen drivers pay the highest rate in Jamestown at $716 per month.

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Cheapest Minimum Liability Car Insurance in 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 Jamestown are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Jamestown. Their Average 6 Month Premium is $118. Allstate is the most expensive at $480 for the same period.

Cheapest Liability Coverage in Jamestown, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$118	$20
USAA	$150	$25
Central Insurance	$184	$31
Iowa Farm Bureau	$190	$32
Encompass	$229	$39
State Farm	$262	$44
Farm Bureau	$290	$50
Progressive	$324	$55
Kemper	$329	$56
Nationwide	$368	$61
Farmers	$374	$63
Allstate	$480	$81

Cheapest Full Coverage Car Insurance in 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 Jamestown is USAA at $114 per month and $676 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jamestown, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$676	$114
Encompass	$720	$120
Nationwide	$804	$135
State Farm	$821	$138
Central Mutual	$904	$154
Progressive	$966	$163
Central Insurance	$1128	$192
Farmers	$1151	$194
Allstate	$1318	$222
Farm Bureau	$1441	$240
Kemper	$1022	$170

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Average Car Insurance in 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 Jamestown, NM increasing?

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

Additionally, 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 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	MetLife	$550
40s	MetLife	$513
50s	MetLife	$472
60s	MetLife	$448
70s	MetLife	$583

Cheapest Car Insurance Rates for Teen Drivers in Jamestown,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Jamestown at $29 per month. At $4254 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$173	$29
Iowa Farm Bureau	$251	$42
Kemper	$257	$43
USAA	$966	$163
State Farm	$1725	$290
Farm Bureau	$2384	$405
Progressive	$2993	$504
Nationwide	$3283	$558
Allstate	$3964	$667
Farmers	$4254	$716

Teen Car Insurance Rates in NM by Age

Way Tip

If you are in your twenties MetLife is the best choice for car insurance in Jamestown.

As young drivers face the highest rates in Jamestown, MetLife offers the cheapest auto insurance rates at $550 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 Jamestown, Kemper is the cheapest car insurance provider. At $307 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 Jamestown is State Farm, offering rates of around $3863 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$307	$53
USAA	$860	$143
Progressive	$1257	$212
Farmers	$1614	$272
Allstate	$1720	$292
Farm Bureau	$2155	$359
State Farm	$3863	$657

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Car Insurance Rates with An Accident in 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 Jamestown, NM, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Jamestown include Central Mutual and Central Insurance, offering $118 and $251, respectively. Farmers is an expensive provider with an average six-month premium of $2038.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$118	$20
Central Insurance	$251	$42
Encompass	$279	$47
Kemper	$302	$52
Iowa Farm Bureau	$307	$51
USAA	$503	$85
State Farm	$703	$118
Progressive	$893	$150
Nationwide	$1842	$307
Allstate	$1982	$334
Farm Bureau	$2004	$334
Farmers	$2038	$343

Jamestown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jamestown NM. For example, the car insurance in Jamestown after a DUI increases to $881 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Jamestown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$944	$157
One Med/PIP claim	$955	$163
Not-at-fault accident	$982	$164
One comp claim	$988	$168
Two Med/PIP claims	$999	$166
Two comp claims	$1027	$175
Failure to show documents	$1039	$173
Failure to wear a seat belt	$1044	$178
Child safety restraint	$1083	$180
Driving without lights	$1083	$184
In 65 MPH zone	$1117	$186
Cell phone violation	$1122	$191
Texting while driving	$1122	$187
At-fault accident - less than $1000	$1128	$192
Driving with expired registration	$1128	$188
Speeding 11 - 15 MPH over limit	$1139	$194
Speeding 16 - 20 MPH over limit	$1139	$190
Speeding 6 - 10 MPH over limit	$1139	$194
Driving too slowly	$1145	$191
Failure to stop at a red light	$1145	$195
Failure to yield	$1145	$191
Following too closely	$1145	$195
Illegal turn	$1145	$191
Improper passing	$1145	$195
Speeding in school zone	$1145	$191
Wrong way/wrong lane	$1145	$195
Passing school bus	$1162	$194
Operating a vehicle without permission	$1178	$200
Speeding 21 - 25 MPH over limit	$1178	$196
Open container	$1312	$223
At-fault accident - $1000-$2000	$1335	$223
At-fault accident - greater than $2000	$1346	$228
Reckless driving	$1747	$291
Driving with a suspended license	$1753	$298
Refusal to submit to a chemical test	$1776	$296
DUI	$1825	$310
Racing	$1865	$311
Leaving scene of an accident/hit and run	$1876	$319

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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 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 Jamestown.

The cheapest car insurance premiums in Jamestown are offered by Kemper at $302 for a six-month policy. However, it can be as expensive as $2647 with companies like Farm Bureau.

Jamestown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$302	$51
Central Insurance	$368	$63
USAA	$798	$134
State Farm	$854	$144
Progressive	$866	$146
Nationwide	$1206	$205
Farmers	$1257	$212
Allstate	$1614	$272
Farm Bureau	$2647	$441

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 Jamestown are offered by Iowa Farm Bureau at $229. However, it can be as expensive as $2758 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Jamestown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$229	$39
State Farm	$581	$98
USAA	$581	$99
Progressive	$1100	$185
Farm Bureau	$1552	$264
Allstate	$2758	$460
Farmers	$2758	$469

Car Insurance Price Trends in Jamestown, New Mexico

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

The average cost of full coverage in the Jamestown rose by $208 in January compared to $181 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Jamestown rose to $47 in January, compared to $43 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Jamestown?

The car insurance in Jamestown is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Jamestown?

The cheapest car insurance in Jamestown is $114 per month for full coverage.

How much is car insurance in Jamestown for teenagers?

Car insurance for teenagers costs $173 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 Jamestown?

The average cost of car insurance is $1059 for a six-month policy. It will cost around $167 per month to insure your car in Jamestown.

Is car insurance expensive in Jamestown?

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

What is the best car insurance in Jamestown, NM?

The best car insurance company in Jamestown NM is USAA, offering $676 for a six-month policy.