Compare Jamestown, CO Car Insurance Rates (2021)

Car insurance in Jamestown, CO averages $321 a month. Jamestown, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Jamestown car insurance rates, compare quotes from the top car insurance companies in Jamestown, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Jamestown, CO after a DUI are $4,555/year
  • The cheapest car insurance company in Jamestown for teen drivers is USAA
  • The cheapest car insurance company in Jamestown is Liberty Mutual

If you need to buy Jamestown, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Jamestown, CO is right here.

You’ll find Jamestown car insurance rates, the cheapest Jamestown, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Jamestown, Colorado car insurance rates to Fort Collins car insurance rates, Greeley car insurance rates, and Boulder car insurance rates.

Ready to find affordable Jamestown, CO car insurance today? Enter your ZIP code for fast, free Jamestown car insurance quotes.

Cheapest Jamestown, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Jamestown, CO car insurance rates? Every Jamestown, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Jamestown, Colorado

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 $3,036 $2,829 $2,751 $2,778 $10,827 $11,368 $3,305 $3,308
American Family $2,573 $2,573 $2,329 $2,329 $6,208 $8,376 $2,573 $3,137
Farmers $3,177 $3,165 $2,867 $3,072 $12,186 $12,407 $3,510 $3,580
GEICO $2,002 $2,196 $2,123 $2,411 $6,280 $6,658 $1,830 $1,866
Liberty Mutual $1,824 $1,762 $1,552 $1,711 $5,938 $6,482 $1,847 $1,859
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,453 $2,273 $2,159 $2,137 $9,138 $10,246 $2,775 $2,692
State Farm $2,331 $2,331 $2,105 $2,105 $6,882 $8,688 $2,616 $3,111
USAA $1,994 $1,976 $1,918 $1,904 $5,128 $5,847 $2,552 $2,752

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Minimum Car Insurance in Jamestown, CO

Every driver must carry the minimum car insurance in Jamestown, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Jamestown, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Jamestown, CO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Jamestown, Colorado

Insurance Company Poor Fair Good
Allstate $6,405 $4,940 $3,730
American Family $4,858 $3,492 $2,937
Farmers $6,354 $5,194 $4,939
GEICO $3,813 $3,171 $2,528
Liberty Mutual $4,093 $2,521 $2,001
Nationwide $4,068 $3,235 $2,817
Progressive $4,775 $4,117 $3,811
State Farm $5,240 $3,364 $2,710
USAA $4,426 $2,549 $2,051

Cheapest Jamestown, CO 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 Jamestown, CO to rates for a clean record with top companies.

Annual Jamestown, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,259 $4,922 $6,069 $4,851
American Family $2,787 $3,944 $5,159 $3,158
Farmers $4,651 $5,963 $5,875 $5,494
GEICO $2,235 $3,472 $4,054 $2,922
Liberty Mutual $2,528 $2,950 $3,043 $2,966
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,654 $5,183 $3,856 $4,244
State Farm $3,457 $4,085 $3,771 $3,771
USAA $2,191 $2,686 $4,693 $2,465

Cheapest Jamestown, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Jamestown, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,827 $11,368
American Family $6,208 $8,376
Farmers $12,186 $12,407
GEICO $6,280 $6,658
Liberty Mutual $5,938 $6,482
Nationwide $5,702 $7,251
Progressive $9,138 $10,246
State Farm $6,882 $8,688
USAA $5,128 $5,847

Cheapest Jamestown, CO Car Insurance for Seniors

Take a look at Jamestown, CO 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 Jamestown, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,751 $2,778
American Family $2,329 $2,329
Farmers $2,867 $3,072
GEICO $2,123 $2,411
Liberty Mutual $1,552 $1,711
Nationwide $2,018 $2,122
Progressive $2,159 $2,137
State Farm $2,105 $2,105
USAA $1,918 $1,904

Cheapest Jamestown, CO Car Insurance Rates After a DUI

A DUI in Jamestown, CO increases car insurance rates. Compare Jamestown, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Jamestown, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,069
American Family $5,159
Farmers $5,875
GEICO $4,054
Liberty Mutual $3,043
Nationwide $4,472
Progressive $3,856
State Farm $3,771
USAA $4,693

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Cheapest Jamestown, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Jamestown, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,025 $5,025
American Family $3,680 $3,844
Farmers $5,496 $5,496
GEICO $3,104 $3,238
Liberty Mutual $2,872 $2,872
Nationwide $3,373 $3,373
Progressive $4,234 $4,234
State Farm $3,678 $3,864
USAA $2,925 $3,093

The Best Cheap Car Insurance Companies in Jamestown, CO

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

Average Annual Car Insurance Rates by Company in Jamestown, Colorado

Insurance Company Average Annual Rates
Allstate $5,025
American Family $3,762
Farmers $5,496
GEICO $3,171
Liberty Mutual $2,872
Nationwide $3,373
Progressive $4,234
State Farm $3,771
USAA $3,009

Category Winners: Cheapest Car Insurance in Jamestown, Colorado

Find the cheapest car insurance companies in Jamestown, CO for each category right here.

Best Annual Car Insurance Rates by Company in Jamestown, Colorado

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

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Cheapest Jamestown, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Jamestown, Colorado

Insurance Company Low Medium High
Allstate $4,725 $5,007 $5,344
American Family $3,548 $3,840 $3,898
Farmers $4,840 $5,417 $6,230
GEICO $2,850 $3,109 $3,553
Liberty Mutual $2,700 $2,861 $3,054
Nationwide $3,335 $3,378 $3,407
Progressive $3,932 $4,248 $4,523
State Farm $3,516 $3,774 $4,023
USAA $2,855 $3,009 $3,163

What affects car insurance rates in Jamestown, Colorado?

What factors can have an impact on Jamestown, CO car insurance? There are several reasons why Jamestown car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Jamestown, Colorado.

Commute Time in Jamestown

The more time you spend in your car the higher the risk of an accident. The average commute length in Jamestown, CO is 21.2 minutes according to City-Data.

Compare Car Insurance Quotes in Jamestown, CO

Ready to find affordable Jamestown, Colorado car insurance today? Enter your ZIP code for fast, free Jamestown, CO car insurance quotes.

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