Jamaica, NY Car Insurance

Drivers in Jamaica pay around $269 a month for their car insurance. For more information refer to our guide below.
Map of cities where drivers can find cheaper car insurance
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Are rates in Jamaica higher or lower than those in neighboring areas? How do they compare to the rest of New York? What rates should residents of Jamaica expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Jamaica?

Area Average Monthly Car Insurance Premium
Jamaica$269
NY$199
United States$81

Coverage for your vehicle in Jamaica will typically run you about $70 a month more than in the rest of New York.

Likewise, the expected monthly payments for an auto insurance policy in Jamaica are above the national average. It's about $188 more expensive for coverage in Jamaica than the average rates for the U.S. as a whole.

Keep in mind that while these are the average car insurance rates for Jamaica, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Jamaica to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$390
25-34$233
35-44$212
45-54Not Enough Data
55-64$211
65+$226

It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $164 more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up a bit in Jamaica.

Average Car Insurance Rates by Gender

Gender Average
Male$274
Female$250

Car insurance rates for men are usually slightly more expensive than they are for women. In Jamaica, the difference is around $24 per month. As you can see in the chart above, car insurance for women in the area typically costs around $250 each month, while men pay $274 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$318
Multiple Accidents$351
1 Ticket$304
Multiple Tickets$274

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Jamaica, a driving record with one accident will usually get you a rate around $318 a month. In addition, drivers with a single ticket on their record can expect to pay around $304 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$323
2-3 Years$283
4-5 Years$276
6-7 Years$247
8-10 Years$276
11-14 Years$256
15 Years or Older$254

In Jamaica, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $224 per month for auto insurance coverage.

Car owners can expect to pay an average of around $286 a month for their policy, while truck and van drivers are usually around $252 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Jamaica, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$281
Married$208
Divorced$239
Widowed$166

Overall, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Jamaica can be as much as $73 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$276
Rent$267
Live with parents$194

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $9 less than homeowners in Jamaica. Those who live with their parents, however, can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Jamaica, NY

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

Auto insurance rates in Jamaica went up consistently from 2017-2021. Rates finished down in 2022, at $201.

How does Jamaica compare to neighboring areas?

Why are car insurance rates in Jamaica different from other areas?

Car insurance companies will take into account several factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Amount of drivers in the area
  • Regional laws
  • Frequency of car accidents
  • Crime
  • Off-street parking availability

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Jamaica?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Jamaica.


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Jamaica Insurance FAQs

What factors affect car insurance quotes in Jamaica?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Jamaica different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Jamaica?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Jamaica?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Jamaica or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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