Best Cheap Car Insurance Companies in Jamaica, New York
We have found the best and cheapest car insurance options in Jamaica to be NY Central Mutual, Progressive, USAA, Geico and Erie. These companies not only have rates that are lower than the average cost of minimum and full insurance coverage in the city, but they also have excellent customer service and provide good-quality coverage.
Keep reading: Cheap Car Insurance
Unless stated otherwise, the above and following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
How Much Is Car Insurance in Jamaica, N.Y.?
Our data shows that the average cost of car insurance for minimum-coverage insurance in Jamaica is $177 per month or $2,126 per year. This is about 239% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $342 per month or $4,109 per year on average, which is about 105% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Jamaica
NY Central Mutual offers the cheapest liability insurance with average rates of $94 per month or $1,126 per year. Progressive is the second-cheapest option in Jamaica with average rates of $119 per month or $1,431 per year.
Liability coverage is the minimum coverage required by the state of New York. According to New York law, all drivers must either meet or exceed the following minimum requirements:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
$25,000 uninsured motorist bodily injury coverage per person
$50,000 uninsured motorist bodily injury coverage per accident
$50,000 personal injury protection
Cheapest Full-Coverage Car Insurance in Jamaica
A full-coverage car insurance policy can be pricey in Jamaica, but these policies can offer greater peace of mind in the long run. Full coverage includes liability plus comprehensive insurance coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Progressive is the cheapest full-coverage option with average rates of $206 per month or $2,467 per year.
Jamaica Car Insurance Quotes by Driver Profile
There are several different things that can influence how much you pay for car insurance. The company that is the cheapest for one person may not be the cheapest for someone else. In this section, we will see how the cost of car insurance in Jamaica is affected by the age of the driver, their credit score and their driving history. Jamaica, N.Y., has areas with different ZIP codes and different average costs for car insurance, so we will also look at that.
A few easy ways for policyholders to save on car insurance are by increasing their deductibles and by comparing quotes from auto insurance agencies throughout Jamaica, N.Y. You can also find the best rates by bundling car insurance coverage with life insurance, renters insurance and home insurance.
Jamaica Car Insurance Cost by Age
Car insurance costs are highest for teenagers because, statistically, they have a higher chance of having accidents or breaking the rules of the road. Our data shows 16-year-olds pay about $568 per month or $6,814 per year for car insurance in Jamaica.
As people age and leave their teenage years behind, the cost of car insurance goes down. This trend continues as people reach middle age. Now, let’s take a look at the average costs of basic car insurance for different age groups in Jamaica.
Cheapest Car Insurance in Jamaica: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows NY Central Mutual is the cheapest car insurance company for teen drivers, with minimum-coverage rates as low as $212 per month or $2,545 per year. Progressive, Geico and Erie also offer affordable premiums for Jamaica teens.
Jamaica Car Insurance Cost by Credit Score
Car insurance companies can consider credit scores to decide how much to charge for coverage in many states, including New York. If someone has a low credit score, they will have to pay higher premiums for their motor insurance, whereas those with high credit scores will likely pay less.
Cheapest Car Insurance in Jamaica: Poor Credit
Our rate data shows USAA is the cheapest option for car insurance for bad credit in Jamaica. The company offers minimum-coverage policies to drivers with poor credit for rates of $186 per month or $2,229 per year. This is 5% more than the overall state average for minimum coverage for good credit.
Jamaica Car Insurance Cost by Driving Record
People who have received speeding tickets, been in accidents or have a DUI on their motor vehicle record will likely have to pay more for their car insurance. On average, speeding can increase your rates by 20%, an at-fault accident by 40% and a DUI by 46%.
Different companies have different average price increases relating to a driver’s record. Based on our research, NY Central Mutual is the most affordable option if you have any violations on your driving record. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Jamaica: Speeding Ticket
Let’s dive deeper into the details. According to our data, NY Central Mutual offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $115 per month or $1,382 per year. USAA follows close behind with an average monthly rate of $140, while Progressive, Erie and Chubb round out the top five options for cheap speeding ticket car insurance in Jamaica.
Cheapest Car Insurance in Jamaica: At-Fault Accident
If you cause an accident while driving, it can raise your insurance rates more than if you were caught speeding. NY Central Mutual and USAA are the cheapest options here with average rates of about $115 per month and $161 per month, respectively. You can see some auto insurance companies charge significantly more for a motor insurance policy after a personal accident.
Cheapest Car Insurance in Jamaica: DUI
Getting a DUI is a major offense, and it could make your car insurance rates go up by hundreds of dollars each year in Jamaica. Progressive is very cheap compared to other companies, offering average rates of $125 per month or $1,505 per year for drivers with a DUI. NY Central Mutual, USAA and Chubb are also good options with rates under $212 per month on average.
Jamaica Car Insurance Cost by ZIP Code
Insurance costs can change based on the number of claims in different areas of the city. Below, you can see certain ZIP codes in Jamaica can be up to 4% cheaper or 4% more expensive than the city average.
Cheap Car Insurance in Jamaica: The Bottom Line
While auto coverage in Jamaica is 173% higher than New York car insurance and 239% more than the national average, there are still cheap providers to shop from. NY Central Mutual offers the cheapest minimum coverage in the city for about $94 per month. Progressive also offers highly affordable full coverage rates for Jamaica drivers at $206 per month.
Compare free quotes to find the company that meets your New York car insurance needs at the best rate. You can compare insurance products and get auto insurance quotes online or from insurance agents.
Cheapest Auto Insurance in Jamaica: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Jamaica:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.