Jamestown, NY Car Insurance

Drivers in Jamestown pay, on average, $92 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Map of cities where drivers can find cheaper car insurance
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Are rates in Jamestown higher or lower than those in neighboring areas? How do they compare to the rest of New York? What should residents of Jamestown 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 Jamestown?

Area Average Monthly Car Insurance Premium
Jamestown$92
NY$199
United States$81

Car insurance coverage in Jamestown is about $107 cheaper than it is in the rest of New York.

Conversely, residents of Jamestown might expect to pay higher rates for coverage than the rest of the country. It's about $11 more for coverage in Jamestown than in the rest of the U.S.

Bear in mind that while these rates are the average costs for Jamestown residents, it doesn't mean that'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.

Don't sweat it however, we've broken down average rates for Jamestown residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP 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$132
25-34$93
35-44$83
45-54$84
55-64$71
65+Not Enough Data

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up in Jamestown.

Average Car Insurance Rates by Gender

Gender Average
Male$95
Female$87

Female drivers pay, on average, slightly less than their male counterparts. In Jamestown, the difference comes out to about $8 a month. As illustrated in the table above, male drivers in the area pay about $95 on average, while female drivers pay around $87 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$104
1 Ticket$77
Multiple Tickets$106

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Jamestown with a single accident on their record will usually see rates around $87 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $77.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$59
2-3 Years$99
4-5 Years$77
6-7 Years$87
8-10 Years$74
11-14 Years$90
15 Years or Older$95

If you look at the first table above, you'll see that cars are usually the cheapest vehicles to insure in Jamestown, with drivers paying around $90 per month for auto insurance.

Truck and van drivers will see rates of about $94, while the rates for SUV owners average out to about $91 per month.

You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Jamestown are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$95
Married$75
Divorced$81

On average, people who are married will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Jamestown is no exception, with the difference totaling to around $20 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$83
Rent$102
Live with parents$86

Your housing status is another factor that affects your monthly rate. Drivers who own property in Jamestown can expect to pay around $19 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Jamestown, NY

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

Car insurance rates in Jamestown had been increasing from 2015-2016, before leveling out in 2017. They finished up in 2021, at $95 a month

How does Jamestown compare to neighboring areas?

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

Car insurance companies will take into account numerous factors when deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking access
  • Number of drivers in the region
  • Rate of car accidents
  • Area regulations
  • Local crime rates

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Jamestown?

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 enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Jamestown.


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Jamestown Insurance FAQs

What factors affect car insurance quotes in Jamestown?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

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 however, by using sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Jamestown or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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