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 $686 for a six-month policy, which is $85 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $360, 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

$686

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Jamestown

1st place: Nodak Mutual

At $360 for a six month policy, Nodak Mutual offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $397 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $513 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, ND is Nodak Mutual, offering policies at just $360 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $397.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1095 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, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$360	$61
Nationwide	$397	$67
USAA	$513	$86
American Family	$608	$102
North Star	$613	$104
Progressive	$624	$105
State Farm	$719	$121
Auto-Owners	$804	$134
Nodak	$820	$138
Allstate	$1005	$169
Farmers	$1095	$184

Key Takeaways

Way's key takeaways about car insurance in Jamestown

The auto insurance costs in Jamestown fall around $360 for six months.
The cheapest auto insurance company in Jamestown is North Star.
Teen drivers pay the highest rate in Jamestown at $749 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.

North Star provides the cheapest minimum car insurance coverage in Jamestown. Their Average 6 Month Premium is $122. Allstate is the most expensive at $423 for the same period.

Cheapest Liability Coverage in Jamestown, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$122	$20
North Star Mutual	$122	$20
USAA	$122	$20
Nationwide	$137	$23
Nodak Mutual	$137	$23
North Star Mutual Insurance	$137	$23
Auto-Owners Insurance Co	$148	$25
Nodak	$169	$28
Auto-Owners	$174	$29
Progressive	$180	$30
State Farm	$180	$30
American Family	$227	$38
Farmers	$407	$69
Allstate	$423	$71

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 Nodak Mutual at $61 per month and $360 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jamestown, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$360	$61
Nationwide	$397	$67
USAA	$513	$86
American Family	$608	$102
North Star	$613	$104
Progressive	$624	$105
State Farm	$719	$121
Auto-Owners	$804	$134
Nodak	$820	$138
Allstate	$1005	$169
Farmers	$1095	$184

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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, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in Jamestown, North Dakota, may be increasing due to several external factors. North Dakota 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

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Cheapest Car Insurance Rates for Teen Drivers in Jamestown,ND

If you are planning to get a car insurance policy for your teenage dependent, North Star Mutual Insurance provides the cheapest car insurance in the Jamestown at $24 per month. At $4451 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star Mutual Insurance	$142	$24
Nodak Mutual	$148	$25
Nationwide	$164	$28
Auto-Owners Insurance Co	$185	$31
USAA	$635	$107
American Family	$1089	$183
Auto-Owners	$1115	$188
North Star	$1354	$225
Progressive	$1671	$281
State Farm	$1697	$286
Nodak	$1956	$333
Farmers	$4092	$689
Allstate	$4451	$749

Teen Car Insurance Rates in ND 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 Jamestown, Nationwide is the cheapest car insurance provider. At $201 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 $2474 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$201	$34
Nodak Mutual	$312	$53
Progressive	$708	$119
American Family	$856	$144
USAA	$878	$146
Nodak	$1528	$260
Allstate	$1565	$261
Farmers	$1967	$335
Auto-Owners	$2390	$398
State Farm	$2474	$421

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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, ND, 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 Nationwide and Nodak Mutual, offering $137 and $180, respectively. Farmers is an expensive provider with an average six-month premium of $1480.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$137	$23
Nodak Mutual	$180	$30
Auto-Owners Insurance Co	$206	$35
North Star Mutual	$206	$35
North Star Mutual Insurance	$232	$39
USAA	$360	$61
American Family	$465	$78
Auto-Owners	$465	$78
State Farm	$576	$97
Progressive	$867	$146
Nodak	$894	$150
North Star	$1084	$184
Allstate	$1364	$230
Farmers	$1480	$249

Jamestown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jamestown ND. For example, the car insurance in Jamestown after a DUI increases to $740 for a six month policy. While the rate increases by $159 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	$920	$153
One Med/PIP claim	$920	$157
Not-at-fault accident	$935	$156
One comp claim	$951	$162
Two Med/PIP claims	$951	$158
Two comp claims	$999	$170
Failure to show documents	$1005	$167
Driving with expired registration	$1025	$174
Failure to wear a seat belt	$1031	$172
Child safety restraint	$1036	$176
Driving without lights	$1036	$173
Cell phone violation	$1057	$180
Failure to yield	$1057	$176
Following too closely	$1057	$180
Illegal turn	$1057	$176
Texting while driving	$1057	$180
Driving too slowly	$1068	$178
Failure to stop at a red light	$1068	$182
Speeding in school zone	$1068	$178
Speeding 6 - 10 MPH over limit	$1079	$183
Wrong way/wrong lane	$1084	$181
Speeding 11 - 15 MPH over limit	$1089	$185
Speeding 16 - 20 MPH over limit	$1100	$183
Speeding 21 - 25 MPH over limit	$1100	$187
Improper passing	$1110	$185
Passing school bus	$1126	$191
In 65 MPH zone	$1131	$189
Operating a vehicle without permission	$1194	$203
At-fault accident - less than $1000	$1210	$202
Open container	$1253	$213
At-fault accident - $1000-$2000	$1264	$211
At-fault accident - greater than $2000	$1264	$214
Driving with a suspended license	$1496	$249
Refusal to submit to a chemical test	$1581	$269
Reckless driving	$1591	$265
DUI	$1660	$282
Racing	$1660	$277
Leaving scene of an accident/hit and run	$1703	$289

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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 Nodak Mutual at $212 for a six-month policy. However, it can be as expensive as $1787 with companies like Allstate.

Jamestown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$212	$36
Grinnell Mutual	$238	$40
Nationwide	$254	$43
Progressive	$550	$93
American Family	$597	$101
USAA	$635	$107
State Farm	$740	$125
Nodak	$814	$137
Allied	$1052	$175
Auto-Owners	$1359	$231
Farmers	$1449	$244
Allstate	$1787	$301

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 Nationwide at $164. However, it can be as expensive as $2294 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Jamestown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$164	$28
Nodak Mutual	$164	$28
Auto-Owners Insurance Co	$174	$29
American Family	$417	$70
State Farm	$417	$70
USAA	$491	$84
Progressive	$603	$101
Auto-Owners	$740	$125
Nodak	$804	$134
Farmers	$2273	$386
Allstate	$2294	$383

Car Insurance Price Trends in Jamestown, North Dakota

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 $157 in December compared to $156 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Jamestown remained steady at $33 in both December and November, indicating no change over the two month period.

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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 $61 per month for full coverage.

How much is car insurance in Jamestown for teenagers?

Car insurance for teenagers costs $142 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 $771 for a six-month policy. It will cost around $115 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, ND?

The best car insurance company in Jamestown ND is Nodak Mutual, offering $360 for a six-month policy.