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Get Cheap Car Insurance in Jamestown, RI
We monitor insurance prices, helping the average driver in Jamestown save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in Jamestown
The chart below shows the cheapest car insurance company in Jamestown for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Geico, Progressive, and Midvale Home & Auto.
| Jamestown Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $76 |
| Geico | $98 |
| Progressive | $114 |
| Midvale Home & Auto | $120 |
Savings for Every Kind of Jamestown Driver
Based on our extensive insurance data, we know the average Jamestown driver will save about 33% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $728 per year by choosing the right vehicle insurance company. Some Jamestown residents are paying out over $2,188 extra every year for auto insurance in Jamestown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Jamestown, RI Savings / Yr. |
|---|---|
$728 |
|
$879 |
|
$969 |
|
$1,639 |
|
$3,407 |
|
$249 |
|
$738 |
Jamestown Car Insurance vs. Rhode Island
People living in Jamestown pay an average of 1.76% less than the typical driver in the state. The average driver in Jamestown can expect to pay about $1,339 per year, or $2,188 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Jamestown for most people.
Car Insurance Prices by Jamestown Neighborhood
Insurance Prices
Where is insurance cheapest within Jamestown?
The map shows insurance prices in and around Jamestown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $141 per year within the city boundaries, with insurance premiums ranging from a high of $2,267 to a low of $2,126. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Jamestown.Pick the Best Car Insurance Company for You in Jamestown
The best car insurance provider for most drivers in Jamestown
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $728 over the average Jamestown car insurance company.
The best car insurance provider for Jamestown drivers with accidents on their records
In our analysis, Safeco Insurance saved the average person who had been in an accident the most, with annual savings averaging $879 over the competition.
The best car insurance company for Jamestown drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $969 better than other car insurance companies.
The best auto insurance for Jamestown drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,639 less each year.
The least expensive car insurance company for new and young drivers in Jamestown
In Jamestown, State Farm costs young drivers $3,407 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Jamestown
Geico gave the largest car insurance discounts to married couples, averaging $249 saved each year compared to an average Jamestown couple's premiums.
The cheapest car insurance in Jamestown for drivers with bad credit
The best Jamestown car insurance company for customer service
Recent price drops
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The cheapest large national provider in Jamestown
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Jamestown driver can expect to pay about $124 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Jamestown, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, drivers with bad credit, drivers with accidents, young drivers, married couples, and good drivers.Auto Insurance Prices in and Around Jamestown
What Influences the Cost of Car Insurance in Jamestown?
On average, car insurance in Jamestown is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Rhode Island state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Jamestown are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Jamestown has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Jamestown is $112 per month for minimum coverage and $182 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Newport: Insurance costs 3.84% more
- Newport East: Insurance costs 2.10% more
- Saunderstown: Insurance costs 0.59% less
- Middletown: Insurance costs 0.37% more
- Prudence Park: Insurance costs 3.02% more
- North Kingstown: Insurance costs 0.64% more
- Narragansett: Insurance costs 0.91% less
- Prudence Island: Insurance costs 3.02% more
- Narragansett Pier: Insurance costs 0.78% more
- Wakefield-Peacedale: Insurance costs 1.23% more
Cities with Similar Populations
- Barling: Insurance costs 24.91% less
- Bluffton: Insurance costs 52.33% less
- Bloomer: Insurance costs 46.53% less
- Blanchester: Insurance costs 48.54% less
- Black Forest: Insurance costs 11.75% less
- Watsontown: Insurance costs 42.09% less
- Bethel Heights: Insurance costs 25.50% less
- Berlin: Insurance costs 37.66% less
- Bennett: Insurance costs 10.74% less
- Ben Lomond: Insurance costs 9.73% less