Compare James City, NC Car Insurance Rates (2021)

Car insurance in James City, NC averages $257 a month. James City, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap James City car insurance rates, compare quotes from the top car insurance companies in James City, NC.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in James City for teen drivers is Liberty Mutual
  • The cheapest car insurance company in James City is Liberty Mutual
  • Average car insurance rates in James City, NC are $3,080/year

If you need to buy James City, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in James City, NC is right here.

You’ll find James City car insurance rates, the cheapest James City, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare James City, North Carolina car insurance rates to Winston-Salem car insurance rates, Raleigh car insurance rates, and Concord car insurance rates.

Ready to find affordable James City, NC car insurance today? Enter your ZIP code for fast, free James City car insurance quotes.

Cheapest James City, NC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect James City, NC car insurance rates? Every James City, North Carolina car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in James City, NC

Every driver must carry the minimum car insurance in James City, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car 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

Cheapest James City, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in James City, NC. Compare credit history car insurance rates in James City from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest James City, NC Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in James City, NC to rates for a clean record with top companies.

Annual James City, North Carolina Car 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

Cheapest James City, NC Car Insurance for Teen Drivers

Teen car insurance in James City, NC can be expensive. Take a look at rates from the top car insurance companies in James City for teenagers.

Annual Car 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

Cheapest James City, NC Car Insurance for Seniors

Take a look at James City, NC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest James City, NC Car Insurance Rates After a DUI

A DUI in James City, NC increases car insurance rates. Compare James City, North Carolina DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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

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Cheapest James City, NC Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in James City, NC by commute? Take a look at a comparison of the top companies by commute length.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

The Best Cheap Car Insurance Companies in James City, NC

Take a look at a side-by-side comparison of the top car insurance companies in James City, NC to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in James City, North Carolina

Find the cheapest car insurance companies in James City, NC for each category right here.

Best Annual Car 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

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Cheapest James City, NC Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your James City car insurance rates. Find the cheapest James City, NC car insurance rates by coverage level.

Annual Car 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

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

What factors can have an impact on James City, NC car insurance? There are several reasons why James City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in James City, North Carolina.

Commute Time in James City

The more time you spend in your car the higher the risk of an accident. The average commute length in James City, NC is 17.0 minutes according to City-Data.

Compare Car Insurance Quotes in James City, NC

Ready to find affordable James City, North Carolina car insurance today? Enter your ZIP code for fast, free James City, NC car insurance quotes.

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