Compare James City, PA Car Insurance Rates (2021)

Car insurance in James City, PA averages $318 a month. James City, Pennsylvania car insurance requirements are 15/30/5, 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, PA.

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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

  • Average car insurance rates in James City, PA are $3,811/year
  • The cheapest car insurance company in James City for teen drivers is USAA
  • The cheapest car insurance company in James City is USAA

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

You’ll find James City car insurance rates, the cheapest James City, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare James City, Pennsylvania car insurance rates to Reading car insurance rates, York car insurance rates, and Erie car insurance rates.

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

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

How do age, gender, and marital status affect James City, PA car insurance rates? Every James City, Pennsylvania 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, Pennsylvania

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 $2,387 $2,387 $2,171 $2,171 $7,438 $7,438 $2,657 $2,657
GEICO $1,694 $1,469 $1,571 $1,363 $4,092 $3,550 $1,725 $1,496
Liberty Mutual $4,156 $4,156 $3,801 $3,801 $12,275 $12,275 $5,296 $5,296
Nationwide $1,843 $1,843 $1,738 $1,738 $5,117 $5,117 $2,060 $2,060
Progressive $2,468 $2,468 $2,193 $2,193 $7,559 $7,559 $3,151 $3,151
State Farm $1,580 $1,580 $1,386 $1,386 $5,537 $5,537 $1,736 $1,736
Travelers $1,723 $1,723 $1,830 $1,830 $24,477 $24,477 $2,103 $2,103
USAA $1,104 $1,104 $994 $994 $3,234 $3,234 $1,472 $1,472

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Minimum Car Insurance in James City, PA

Every driver must carry the minimum car insurance in James City, PA. Take a look at the Pennsylvania car insurance requirements.

Minimum Required Car Insurance Coverage in James City, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest James City, PA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in James City, PA. 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, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,696 $3,483 $2,811
GEICO $3,172 $1,796 $1,392
Liberty Mutual $8,151 $5,840 $5,155
Nationwide $3,160 $2,591 $2,318
Progressive $5,119 $3,562 $2,847
State Farm $3,645 $2,255 $1,779
Travelers $8,213 $7,402 $6,985
USAA $2,130 $1,577 $1,395

Cheapest James City, PA 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, PA to rates for a clean record with top companies.

Annual James City, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,514 $4,110 $3,514 $3,514
GEICO $1,565 $2,629 $2,112 $2,175
Liberty Mutual $5,876 $6,618 $6,517 $6,517
Nationwide $1,933 $2,585 $3,632 $2,607
Progressive $3,501 $4,757 $3,597 $3,515
State Farm $2,354 $2,766 $2,560 $2,560
Travelers $5,399 $7,607 $9,520 $7,607
USAA $1,373 $1,882 $2,014 $1,534

Cheapest James City, PA Car Insurance for Teen Drivers

Teen car insurance in James City, PA 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, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,438 $7,438
GEICO $4,092 $3,550
Liberty Mutual $12,275 $12,275
Nationwide $5,117 $5,117
Progressive $7,559 $7,559
State Farm $5,537 $5,537
Travelers $24,477 $24,477
USAA $3,234 $3,234

Cheapest James City, PA Car Insurance for Seniors

Take a look at James City, PA 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, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,171 $2,171
GEICO $1,571 $1,363
Liberty Mutual $3,801 $3,801
Nationwide $1,738 $1,738
Progressive $2,193 $2,193
State Farm $1,386 $1,386
Travelers $1,830 $1,830
USAA $994 $994

Cheapest James City, PA Car Insurance Rates After a DUI

A DUI in James City, PA increases car insurance rates. Compare James City, Pennsylvania DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in James City, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,514
GEICO $2,112
Liberty Mutual $6,517
Nationwide $3,632
Progressive $3,597
State Farm $2,560
Travelers $9,520
USAA $2,014

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Cheapest James City, PA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in James City, PA 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, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,596 $3,730
GEICO $2,081 $2,159
Liberty Mutual $6,217 $6,547
Nationwide $2,690 $2,690
Progressive $3,843 $3,843
State Farm $2,485 $2,635
Travelers $7,533 $7,533
USAA $1,652 $1,749

The Best Cheap Car Insurance Companies in James City, PA

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

Average Annual Car Insurance Rates by Company in James City, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,663
GEICO $2,120
Liberty Mutual $6,382
Nationwide $2,690
Progressive $3,843
State Farm $2,560
Travelers $7,533
USAA $1,701

Category Winners: Cheapest Car Insurance in James City, Pennsylvania

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

Best Annual Car Insurance Rates by Company in James City, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest James City, PA 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, PA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in James City, Pennsylvania

Insurance Company Low Medium High
Allstate $3,532 $3,681 $3,777
GEICO $1,945 $2,136 $2,278
Liberty Mutual $6,143 $6,417 $6,586
Nationwide $2,721 $2,720 $2,628
Progressive $3,568 $3,866 $4,093
State Farm $2,420 $2,589 $2,671
Travelers $7,709 $7,514 $7,377
USAA $1,592 $1,714 $1,796

What affects car insurance rates in James City, Pennsylvania?

What factors can have an impact on James City, PA 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, Pennsylvania.

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, PA is 26.2 minutes according to City-Data.

Compare Car Insurance Quotes in James City, PA

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

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