Cheapest Car Insurance Quotes in James City

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James City Car Insurance

^$ 26

/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 James City

The car insurance rate in James City is $785 for a six-month policy, which is $117 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $351, making it a popular choice for budget-conscious drivers. Rates in James City 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 James City

$785

Avg. Car Insurance in North Carolina

$902

National Average

$1128

Cheapest Car Insurance Companies in James City

1st place: Erie

At $351 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $418 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $480 for six months, making it the third cheapest auto insurance company in James City.

James City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in James City, NC is Erie, offering policies at just $351 for a six-month term. This is followed by Progressive, which has an average six-month premium of $418.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1002 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help James City drivers find the best deals.

Cheap Car Insurance Companies in James City, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$351	$59
Progressive	$418	$70
State Farm	$480	$81
North Carolina Farm Bureau	$568	$96
Nationwide	$739	$124
Farm Bureau	$972	$165
Farmers	$992	$165
Kemper	$1090	$185
Allstate	$1241	$209
Penn National	$1002	$167

Key Takeaways

Way's key takeaways about car insurance in James City

The auto insurance costs in James City fall around $351 for six months.
The cheapest auto insurance company in James City is Erie.
Teen drivers pay the highest rate in James City at $53 per month.

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Cheapest Minimum Liability Car Insurance in James City

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 James City are given below.

Erie provides the cheapest minimum car insurance coverage in James City. Their Average 6 Month Premium is $155. National Farmers Union Insurance is the most expensive at $269 for the same period.

Cheapest Liability Coverage in James City, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$155	$26
State Farm	$212	$36
Progressive	$222	$37
North Carolina Farm Bureau	$243	$41
Nationwide	$305	$51
National General	$315	$52
Penn National	$341	$58
Farm Bureau	$496	$83
Allstate	$543	$91
National Farmers Union Insurance	$269	$44

Cheapest Full Coverage Car Insurance in James City

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 James City is Erie at $59 per month and $351 for six months.

Cheapest Full Coverage Car Insurance Quotes in James City, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$351	$59
Progressive	$418	$70
State Farm	$480	$81
North Carolina Farm Bureau	$568	$96
Nationwide	$739	$124
Farm Bureau	$972	$165
Farmers	$992	$165
Kemper	$1090	$185
Allstate	$1241	$209
Penn National	$1002	$167

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Average Car Insurance in James City 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 James City, NC increasing?

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

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

Car Insurance Premiums by Age in James City

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	North Carolina Farm Bureau	$354
30s	North Carolina Farm Bureau	$354
40s	North Carolina Farm Bureau	$354
50s	North Carolina Farm Bureau	$354
60s	North Carolina Farm Bureau	$354
70s	North Carolina Farm Bureau	$354

Cheapest Car Insurance Rates for Teen Drivers in James City,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the James City at $77 per month. At $310 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$455	$77
State Farm	$589	$99
Erie	$594	$100
North Carolina Farm Bureau	$1039	$175
Nationwide	$2248	$375
Allstate	$2718	$462
Penn National	$300	$50
National General	$310	$53

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in James City.

As young drivers face the highest rates in James City, North Carolina Farm Bureau offers the cheapest auto insurance rates at $354 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 James City, North Carolina Farm Bureau is the cheapest car insurance provider. At $155 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 James City is Allstate, offering rates of around $2734 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$155	$26
National General	$269	$44
Progressive	$290	$49
Erie	$336	$57
Nationwide	$666	$112
State Farm	$1148	$193
Farm Bureau	$1313	$224
Allstate	$2734	$456

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Car Insurance Rates with An Accident in James City

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 James City, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in James City

The cheapest car insurance companies after an at-fault accident in James City include Progressive and Erie, offering $439 and $445, respectively. Farmers is an expensive provider with an average six-month premium of $460.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$439	$74
Erie	$445	$75
State Farm	$496	$84
North Carolina Farm Bureau	$682	$115
Nationwide	$1225	$206
Farm Bureau	$1545	$263
Allstate	$2336	$393
Penn National	$429	$73
Farmers	$460	$77

James City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in James City NC. For example, the car insurance in James City after a DUI increases to $1608 for a six month policy. While the rate increases by $191 for a six-month policy in the case of a speeding ticket.

James City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$496	$83
One Med/PIP claim	$496	$84
Not-at-fault accident	$501	$84
One comp claim	$512	$87
Two Med/PIP claims	$512	$85
Two comp claims	$527	$90
Failure to show documents	$584	$97
Child safety restraint	$646	$110
Driving without lights	$646	$108
Failure to wear a seat belt	$646	$110
Cell phone violation	$682	$114
Texting while driving	$682	$116
Speeding 6 - 10 MPH over limit	$687	$115
Driving with expired registration	$693	$117
Driving too slowly	$703	$117
Failure to stop at a red light	$703	$119
Failure to yield	$703	$117
Illegal turn	$703	$119
Open container	$703	$117
Operating a vehicle without permission	$703	$119
Wrong way/wrong lane	$703	$117
Speeding in school zone	$708	$120
At-fault accident - $1000-$2000	$713	$119
At-fault accident - less than $1000	$713	$121
In 65 MPH zone	$754	$126
Speeding 11 - 15 MPH over limit	$754	$128
Speeding 16 - 20 MPH over limit	$754	$126
Speeding 21 - 25 MPH over limit	$754	$128
Improper passing	$770	$129
Following too closely	$775	$132
At-fault accident - greater than $2000	$832	$138
Passing school bus	$946	$161
Reckless driving	$956	$159
Driving with a suspended license	$1478	$251
Leaving scene of an accident/hit and run	$2078	$346
Refusal to submit to a chemical test	$2098	$357
DUI	$2104	$351
Racing	$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 James City 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 James City.

The cheapest car insurance premiums in James City are offered by National General at $357 for a six-month policy. However, it can be as expensive as $1183 with companies like Farmers.

James City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$357	$61
Progressive	$1148	$193
State Farm	$1276	$215
Erie	$1354	$228
Nationwide	$2538	$427
North Carolina Farm Bureau	$2801	$472
Allstate	$5384	$907
Farm Bureau	$5783	$964
Farmers	$1183	$197

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 James City are offered by North Carolina Farm Bureau at $165. However, it can be as expensive as $1804 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in James City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$165	$28
National General	$346	$59
Erie	$351	$59
State Farm	$378	$64
Progressive	$392	$66
Nationwide	$708	$119
Farm Bureau	$1297	$216
Allstate	$1804	$306

Car Insurance Price Trends in James City, North Carolina

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

The average cost of full coverage in the James City rose by $99 in October compared to $97 of September. In other words, there has been an increase by $2 when you compare October and September.

The average cost of liability insurance in the James City rose to $48 in October, compared to $46 in September. This represents an increase of $2 when comparing October and September.

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Frequently Asked Questions

How much is car insurance in James City?

The car insurance in James City is $26 per month, which is lower than the national average.

What is the cheapest car insurance in James City?

The cheapest car insurance in James City is $59 per month for full coverage.

How much is car insurance in James City for teenagers?

Car insurance for teenagers costs $455 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 James City?

The average cost of car insurance is $902 for a six-month policy. It will cost around $132 per month to insure your car in James City.

Is car insurance expensive in James City?

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

Cheapest Car Insurance Quotes in James City

Why you can trust Way?

How Much Is Car Insurance in James City

Avg. Car Insurance in James City

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in James City

1st place: Erie

2nd place: Progressive

3rd place: State Farm

James City Car Insurance Rates by Company

Cheap Car Insurance Companies in James City, NC

Way's key takeaways about car insurance in James City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in James City

Cheapest Liability Coverage in James City, NC

Cheapest Full Coverage Car Insurance in James City

Cheapest Full Coverage Car Insurance Quotes in James City, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in James City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in James City, NC increasing?

Car Insurance Premiums by Age in James City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in James City,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in James City.

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 James City

Cheapest Car Insurance Companies after an At-Fault Accident in James City

James City Car Insurance Rates by Violation

James City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in James City after a DUI

James City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in James City after Speeding ticket

Car Insurance Price Trends in James City, North Carolina

Average Car Insurance Cost in James City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near James City, NC

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

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