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Finding the cheapest car insurance quotes in South Jamesport 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 South Jamesport
The car insurance rate in South Jamesport is $1163 for a six-month policy, which is $134 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $624, making it a popular choice for budget-conscious drivers. Rates in South Jamesport 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.
Cheapest Car Insurance Companies in South Jamesport
1st place: Kemper
At $624 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: New York Central Mutual Fire
New York Central Mutual Fire offers auto
insurance rates at $826 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $833
for six months, making it
the third cheapest auto insurance company in South Jamesport.
South Jamesport Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in South Jamesport, NY is Kemper, offering policies at just $624 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $826.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1738 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Jamesport drivers find the best deals.
Cheap Car Insurance Companies in South Jamesport, NY
Way's key takeaways about car insurance in South Jamesport
The auto insurance costs in South Jamesport fall around $624 for six
months.
The cheapest auto insurance company in South Jamesport is New York Central Mutual Fire.
Teen drivers pay the highest rate in South Jamesport at $886 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in South Jamesport
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 South Jamesport are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in South Jamesport. Their Average 6 Month Premium is $295.
Preferred Mutual is the most
expensive at $779 for the same
period.
Cheapest Liability Coverage in South Jamesport, NY
Cheapest Full Coverage Car Insurance in South Jamesport
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 South Jamesport is Kemper
at $106 per month and $624
for six months.
Cheapest Full Coverage Car Insurance Quotes in South Jamesport,
NY
Get Your Car Insurance Quote in South Jamesport
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Average Car Insurance in South Jamesport 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 South Jamesport, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in South Jamesport, New York, may be increasing due to several external factors.
New York has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, South Jamesport's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in South Jamesport
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
National Grange Mutual
$636
30s
National Grange Mutual
$453
40s
National Grange Mutual
$436
50s
National Grange Mutual
$443
60s
National Grange Mutual
$477
70s
National Grange Mutual
$654
Cheapest Car Insurance Rates for Teen Drivers in
South Jamesport,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the South Jamesport at $70
per
month. At $5262 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in South Jamesport.
As young drivers face the highest rates in South Jamesport, National Grange Mutual
offers the cheapest auto insurance rates at $636 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 South Jamesport,
Chubb is
the cheapest car insurance provider. At $906 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
South Jamesport is Progressive, offering
rates of around $5847 for six
months.
Save up to $971/yr on car insurance rates in South Jamesport.
Car Insurance Rates with An Accident in South Jamesport
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 South Jamesport, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in South Jamesport
The cheapest car insurance companies after an at-fault accident in
South Jamesport include Kemper
and American Family, offering $523
and $537,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$651.
Here is a list of driving violations that can increase your car
insurance rates in South Jamesport NY. For example, the car
insurance in South Jamesport
after a DUI increases to $806 for a six
month policy. While the rate increases by $128 for a six-month policy in the case of
a speeding ticket.
South Jamesport auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1416
$236
One Med/PIP claim
$1416
$241
One comp claim
$1429
$238
Two comp claims
$1443
$245
Two Med/PIP claims
$1443
$241
Not-at-fault accident
$1450
$246
Failure to show documents
$1470
$245
Failure to wear a seat belt
$1477
$251
Driving with expired registration
$1490
$249
At-fault accident - less than $1000
$1497
$254
Cell phone violation
$1497
$250
Child safety restraint
$1497
$254
Driving without lights
$1497
$250
Failure to stop at a red light
$1497
$254
Failure to yield
$1497
$250
Following too closely
$1497
$254
Illegal turn
$1497
$250
Improper passing
$1497
$254
Passing school bus
$1497
$250
Texting while driving
$1497
$254
Wrong way/wrong lane
$1497
$250
Driving too slowly
$1511
$257
Speeding in school zone
$1511
$252
At-fault accident - $1000-$2000
$1516
$258
Speeding 11 - 15 MPH over limit
$1544
$258
Speeding 6 - 10 MPH over limit
$1544
$262
Operating a vehicle without permission
$1571
$262
Open container
$1591
$270
In 65 MPH zone
$1658
$277
Speeding 16 - 20 MPH over limit
$1678
$286
Speeding 21 - 25 MPH over limit
$1738
$289
At-fault accident - greater than $2000
$1872
$319
Reckless driving
$2000
$333
Racing
$2080
$354
Driving with a suspended license
$2155
$359
Refusal to submit to a chemical test
$2201
$374
DUI
$2222
$371
Leaving scene of an accident/hit and run
$2255
$383
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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 South Jamesport 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 South Jamesport.
The cheapest car insurance premiums in
South Jamesport are
offered by American Family at $510 for a six-month policy.
However, it can be as
expensive as $2276 with companies
like State Farm.
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 South Jamesport are offered by American Family
at $450. However,
it can be as expensive as $2309
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in South Jamesport after Speeding ticket
Car Insurance Price Trends in South Jamesport,
New York
Car insurance rates in South Jamesport have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Jamesport dipped by
$279 in December
compared to $280 of November. In other words, there has been an decrease by $1 when you
compare December and November.
The average cost of liability insurance in the South Jamesport dipped to $96 in December,
compared to $99 in November.
This represents an decrease of $3
when comparing December and November.
Average Car Insurance Cost in South Jamesport 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
South Jamesport. At $2325 for a
six-month policy, insuring
your car at 11970 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 South Jamesport?
The car insurance in South Jamesport is $50 per month, which is lower than the national average.
What is the cheapest car insurance in South Jamesport?
The cheapest car insurance in South Jamesport
is $106 per month
for full coverage.
How much is car insurance in South Jamesport for teenagers?
Car insurance for teenagers costs $423 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
South Jamesport?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $195 per month to insure your
car in South Jamesport.
Is car insurance expensive in South Jamesport?
Car insurance can be expensive in South Jamesport if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in South Jamesport can be
affordable.
What is the best car insurance in South Jamesport,
NY?
The best car insurance company in South Jamesport
NY is
Kemper, offering $624 for a
six-month policy.
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Find Car Insurance Rates in Cities Near South Jamesport, NY
Car Insurance Rates by State in the USA (2025 Update)
South Jamesport Car Insurance
