Jamestown, ND Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Jamestown, ND, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Best Car Insurance in Jamestown, ND

The average car insurance rate in Jamestown, ND, is $1,289. Car insurance is one of the most important things you can have to protect yourself, your family, and your assets. It is a legal requirement in most states, including North Dakota. It is there to help cover the costs of any damages or injuries that may occur in an accident. There are many types of car insurance coverage, and the amount you need will vary depending on your circumstances. However, at a minimum, you should have liability insurance to protect yourself from the financial burden of damages or injuries you may cause to others in an accident. No matter what car insurance coverage you choose, make sure you get the best value for your money by shopping around and comparing rates from different insurers. This article can assist you in finding the Jamestown, North Dakota, auto insurance plan that best meets your requirements and budget.

Car Insurance Rates Based on the Age of the Driver

Car insurance rates in Jamestown, ND, vary based on the driver's age. For example, a 20-year-old driver will pay more for car insurance than a 30-year-old driver. Insurance companies consider young drivers a higher risk because they are more likely to be involved in an accident. As a result, insurance companies charge higher premiums to cover the cost of potential claims. Teenage drivers in Jamestown, ND, pay $4,183. In contrast, drivers aged 40 years pay $1227 on auto insurance in Jamestown, ND. 

Car Insurance Rates Post-DUI

After a DUI, car insurance rates in Jamestown, ND, can skyrocket. A DUI conviction can result in your insurance company increasing your rates by as much as 30%. If you have been convicted of DUI, you may be required to purchase a high-risk insurance policy, which can cost several hundred dollars more per year than a standard policy. For instance, Jamestown, North Dakota, typically charges $1289 for auto insurance. After a DUI, the driver must pay $2286 more in vehicle insurance premiums.

Car Insurance Rates Based on Credit History

Drivers with good credit are generally seen as more responsible than those with poor credit. This means that they're less likely to file a claim, which results in lower premiums for everyone. Additionally, insurance companies often use credit information to determine how likely a driver is to file a claim. Those with good credit are typically seen as more responsible and less likely to file a claim, while those with poor credit are more likely to file a claim. For instance, in Jamestown, ND, car owners with exceptional credit scores pay $1,106 for car insurance, whilst those with poor credit must pay $2103.

Factors that can influence the cost of car insurance in Jamestown, ND are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Jamestown, ND Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Jamestown, ND with that of other cities in and around Jamestown.

	Jamestown	Midway	Woodbury	Homer	Fried	Eldridge
Average Insurance Rates	$1,289	$1,378	$1,352	$1,428	$1,427	$1,276

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Jamestown, ND Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Jamestown, ND based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Jamestown	$1,969	$1,663
Midway	$1,419	$1,199
Bloom	$1,623	$1,371
Woodbury	$1,111	$939
Homer	$2,396	$2,024
Fried	$1,435	$1,212
Buchanan	$1,319	$1,114
Eldridge	$1,094	$924

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Jamestown, ND Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Jamestown, ND usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$4,183
20 Years	$1,656
30 Years	$1,276
40 Years	$1,227
50 Years	$1,137
60 Years	$1,152
70 Years	$1,341

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Jamestown, ND Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Jamestown, ND can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,243	$335
3 Vehicles	$3,364	$503
4 Vehicles	$4,486	$670

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Jamestown, ND Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Jamestown, ND.

Location	Average Insurance Cost	Post DUI Insurance Rate
Jamestown	$1,289	$2,286
Midway	$1,378	$2,444
Bloom	$1,383	$2,452
Woodbury	$1,352	$2,397
Homer	$1,428	$2,532
Fried	$1,427	$2,530
Buchanan	$1,312	$2,327
Eldridge	$1,276	$2,263

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Jamestown, ND Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,106
Excellent (740-799)	$1,262
Good (670-739)	$1,343
Average (580-669)	$1,752
Poor (300-579)	$2,103

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Jamestown, ND Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Scott Pethel	Farmers	1209 5th Ave SE Ste 11, Jamestown, 58401	(701) 252-4295
Harty Ins Inc	Allstate	1300 6th Ne PO Box 1627, Jamestown, 58402	(701) 252-0371
Mcleod Insurance	Travelers	410 3RD STREET, FINGAL, 58031	701-924-8824
Lance Jenison	State Farm	674 15th Ave SW, Valley City, 58072-3629	701-845-1517
Insure Forward	None	Po Box 776, Cooperstown, 58425	None

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Jamestown, ND Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$57	$1,346
Driver's Failure In Showing Documents	+$125	$1,414
Driving With An Expired Registration	+$133	$1,422
Driving At A Considerably Slow Pace	+$280	$1,569
Using A Cellphone While Driving	+$295	$1,584
Running A Red Light	+$300	$1,589
Speeding	+$316	$1,605
Driving A Vehicle Without The Required Permission	+$401	$1,690
Driving With An Expired/Suspended License	+$869	$2,158

Jamestown, ND Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,237
Active Disabling Device	$1,237
Tracking Device	$1,212
Passive Disabling Device	$1,199

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Latest Auto Insurance Reviews in Jamestown, ND | Back to Top