Table of contents
How much is car insurance in Jamaica?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $70 a month more expensive to insure your vehicle in Jamaica than it is in the rest of New York.
Similarly, the expected monthly payments for an auto insurance policy in Jamaica are above the national average. It's about $188 more for coverage in Jamaica than in the rest of the U.S.
While these are the average car insurance rates for Jamaica, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down average rates for Jamaica to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $163 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Jamaica.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Jamaica, the difference comes out to about $28 a month. Looking at the table above, you can see that female drivers pay around $246 on average, while male drivers typically pay $274 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Jamaica with one accident will pay around $318 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $295 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$324|
|15 Years or Older||$253|
According to the first table above, the cheapest vehicles to insure in Jamaica are usually SUVs, at $218 per month.
Truck and van drivers will see rates of about $256, while the rates for car owners average out to about $286 per month.
Your vehicle's age can also affect your monthly bill. Overall, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. 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)||$280|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In Jamaica, the difference in rates based on relationship status can be as much as $79 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$193|
Your housing status is another factor that affects your monthly rate. Those who own their own home in Jamaica can expect to pay around -10 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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
Recent trends in car insurance for Jamaica drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding before shopping for coverage.
The cost of insurance in Jamaica rose steadily from 2016 through the present, where they reached $282 a month in 2021.
How does Jamaica compare to neighboring areas?
Why are car insurance rates in Jamaica different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
- Community regulations
- Amount of drivers in the area
- Local crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Jamaica?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Jamaica.
Jamaica Insurance FAQs
What factors affect car insurance quotes in Jamaica?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Jamaica different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Jamaica?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Jamaica?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Jamaica or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.