Best Cheap Auto Insurance in James City, NC (2021)

The average James City, NC auto insurance rates are $257 per month. The minimum auto insurance in James City is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in James City, North Carolina, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in James City is Liberty Mutual
  • Average auto insurance rates in James City, NC for senior drivers are $2,303 per year
  • The average commute length in James City is 17.0 minutes

James City, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in James City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in James City, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in James City to other North Carolina cities, including Wilmington auto insurance rates, High Point auto insurance rates, and Concord auto insurance rates to see how James City, North Carolina auto insurance rates stack up.

Before you buy James City, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free James City, North Carolina auto insurance quotes.

Minimum Auto Insurance in James City, North Carolina

James City, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in James City, North Carolina.

Minimum Required Auto Insurance Coverage in James City, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap James City, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in James City, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in James City, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,458 $5,458 $4,486 $4,486 $12,911 $12,911 $5,565 $5,565
GEICO $2,174 $2,135 $2,144 $2,107 $3,938 $3,905 $1,918 $1,908
Liberty Mutual $1,637 $1,637 $1,694 $1,694 $2,887 $2,887 $1,637 $1,637
Nationwide $2,248 $2,248 $2,248 $2,248 $3,803 $3,803 $2,248 $2,248
Progressive $1,481 $1,481 $1,342 $1,342 $3,717 $3,717 $1,681 $1,681
State Farm $2,138 $2,138 $1,850 $1,850 $3,153 $3,153 $2,640 $2,640
Travelers $2,398 $2,398 $2,378 $2,378 $4,069 $4,069 $2,461 $2,461

Cheap James City, North Carolina Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in James City, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in James City, North Carolina.

Annual Auto Insurance Rates for Teen Drivers in James City, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,911 $12,911
GEICO $3,938 $3,905
Liberty Mutual $2,887 $2,887
Nationwide $3,803 $3,803
Progressive $3,717 $3,717
State Farm $3,153 $3,153
Travelers $4,069 $4,069

Cheap James City, North Carolina Auto Insurance for Seniors

What are senior auto insurance rates in James City, North Carolina? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in James City, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,486 $4,486
GEICO $2,144 $2,107
Liberty Mutual $1,694 $1,694
Nationwide $2,248 $2,248
Progressive $1,342 $1,342
State Farm $1,850 $1,850
Travelers $2,378 $2,378

Cheap James City, North Carolina Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in James City, North Carolina compared to the annual auto insurance rates with a clean record in James City, North Carolina.

Annual James City, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,828 $6,782 $12,619 $5,191
GEICO $1,319 $1,985 $4,965 $1,845
Liberty Mutual $1,171 $1,503 $3,679 $1,503
Nationwide $1,551 $2,005 $4,985 $2,005
Progressive $960 $1,404 $4,498 $1,359
State Farm $1,307 $1,886 $4,701 $1,886
Travelers $1,687 $2,204 $5,241 $2,173

Cheap James City, North Carolina Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in James City, North Carolina is not easy. Compare the annual rates for DUI auto insurance in James City, North Carolina to find the best deal.

Annual Auto Insurance Rates After a DUI in James City, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,619
GEICO $4,965
Liberty Mutual $3,679
Nationwide $4,985
Progressive $4,498
State Farm $4,701
Travelers $5,241

Cheap James City, North Carolina Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how James City, North Carolina annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in James City, North Carolina

Insurance Company Poor Fair Good
Allstate $9,621 $6,236 $5,458
GEICO $2,727 $2,517 $2,341
Liberty Mutual $1,964 $1,964 $1,964
Nationwide $2,637 $2,637 $2,637
Progressive $2,354 $2,003 $1,809
State Farm $3,432 $2,196 $1,708
Travelers $3,015 $2,747 $2,718

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap James City, North Carolina Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in James City, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in James City, North Carolina to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in James City, North Carolina

ZIP Code Average Annual Rates
28562 $2,791

Cheap James City, North Carolina Auto Insurance Rates By Commute

Commute length and annual mileage affect James City, North Carolina auto insurance. Find the cheapest annual James City, North Carolina auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in James City, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,105 $7,105
GEICO $2,528 $2,528
Liberty Mutual $1,964 $1,964
Nationwide $2,637 $2,637
Progressive $2,055 $2,055
State Farm $2,436 $2,455
Travelers $2,827 $2,827

Cheap James City, North Carolina Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in James City, North Carolina? Check out the comparison of annual James City, North Carolina auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in James City, North Carolina

Insurance Company Low Medium High
Allstate $6,856 $7,078 $7,380
GEICO $2,411 $2,519 $2,655
Liberty Mutual $1,871 $1,952 $2,069
Nationwide $2,531 $2,624 $2,755
Progressive $1,949 $2,042 $2,175
State Farm $2,340 $2,432 $2,564
Travelers $2,710 $2,811 $2,958

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in James City, North Carolina

Compare the cheapest auto insurance companies in James City, North Carolina in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in James City, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

The Cheapest James City, North Carolina Auto Insurance Companies

What auto insurance companies in James City, North Carolina are the cheapest? Compare the top James City, North Carolina auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in James City, North Carolina

Insurance Company Average Annual Rates
Allstate $7,105
GEICO $2,528
Liberty Mutual $1,964
Nationwide $2,637
Progressive $2,055
State Farm $2,445
Travelers $2,827

What affects auto insurance rates in James City, North Carolina?

There are a lot of reasons why auto insurance rates in James City, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in James City, North Carolina. Many local factors may affect your James City auto insurance rates.

James City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average James City, North Carolina commute length is 17.0 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare James City, North Carolina Auto Insurance Quotes

Before you buy James City, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free James City, North Carolina auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption