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Drivers in Jamaica, New York, pay an average of $274 per month for liability-only car insurance and $376 per month for full-coverage policies. Average prices for full coverage in Jamaica are among the highest in New York, according to Insurify data.
By comparison, drivers in the Bronx pay an average of $397 per month for full coverage, and drivers in the smaller city of Middletown pay about $186 per month for full coverage.
Heavy, year-round traffic around the John F. Kennedy International Airport may contribute to Jamaica’s higher car insurance rates.
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Erie is the cheapest car insurance company in Jamaica, New York, with an average liability insurance rate of $116 per month.
With policies averaging $181 per month, Erie is the cheapest insurer in Jamaica for full coverage.
Rates for both state-minimum liability insurance and full coverage are significantly higher in Jamaica compared to the state average, according to Insurify data.
New York requires drivers to have $25,000 per person and $50,000 per accident in bodily injury liability, $50,000 per person and $100,000 per accident in death liability, and $10,000 in property damage liability.[1]
While liability-only coverage is the cheaper option, drivers in Jamaica may want to consider full coverage to protect their vehicles against certain hazards in the area. For example, Jamaica is at risk for coastal flooding, and nearly 35% of the city’s residents live in a hurricane evacuation zone, according to the New York City government website.
The table below lists the cheapest car insurance quotes for both state-minimum coverage and full-coverage insurance in New York.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Erie | $69 | $108 |
| USAA | $71 | $112 |
| Travelers | $83 | $130 |
| State Farm | $98 | $153 |
| Allstate | $103 | $161 |
| GEICO | $107 | $169 |
| Chubb | $191 | $298 |
| Progressive | $198 | $346 |
| Bristol West | $274 | $417 |
Jamaica has some of the highest full-coverage car insurance rates in New York, while Binghamton, located about 185 miles away, has some of the cheapest. Rates in Jamaica are also higher than in other neighborhoods in the greater New York City area, including Brooklyn, Staten Island, and the Bronx, according to Insurify data.
High car insurance premiums in Jamaica may be due in part to high traffic volume. Several major roadways go through the city, including the Van Wyck Expressway (VWE) and the Grand Central Parkway.
Nearly 170,000 vehicles travel daily on the VWE between the Kennedy International Airport and the Kew Gardens Interchange, contributing to chronic heavy traffic.[2]
The following table shows average monthly car insurance rates across several New York cities.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Ithaca | $53 | $209 |
| Binghamton | $73 | $139 |
| Rochester | $86 | $143 |
| Schenectady | $86 | $141 |
| Troy | $87 | $119 |
| Syracuse | $94 | $168 |
| Utica | $94 | $155 |
| Poughkeepsie | $99 | $171 |
| Albany | $101 | $165 |
| White Plains | $114 | $189 |
| Niagara Falls | $118 | $153 |
| Middletown | $122 | $186 |
| New Rochelle | $136 | $153 |
| Buffalo | $140 | $191 |
| Newburgh | $145 | $202 |
| Astoria | $149 | $270 |
| Staten Island | $158 | $242 |
| Long Beach | $165 | $283 |
| New York | $173 | $258 |
| Long Island City | $186 | $321 |
| Valley Stream | $197 | $257 |
| Yonkers | $200 | $275 |
| Mount Vernon | $207 | $339 |
| Freeport | $229 | $284 |
| Brooklyn | $233 | $315 |
| Jamaica | $274 | $376 |
| Bronx | $277 | $397 |
With its high population density and heavy airport traffic, driving in Jamaica can be challenging. Parking can also be difficult, although several garages and both free and metered on-street parking may be available.
While avoiding heavy traffic may be impossible, the following tips can make driving in Jamaica less stressful:
Avoid high-traffic roads. Almost 170,000 cars travel on the VWE each day, and another 130,000 travel on the Grand Central Parkway. Reducing drive time on these roads — or avoiding them entirely — can lower your risk of accidents.
Steer clear of the JFK airport area. JFK is the No. 1 most-traveled airport in the country, according to the U.S. Bureau of Transportation Statistics. Road traffic can be heavy, particularly during peak tourism periods.
Be alert during hurricane season. Hurricane season runs from June through November.[3] Since 1996, 75 hurricanes have caused more than $35 billion in losses in New York, according to MitigateNY. Avoid driving on submerged streets to prevent loss of traction and catastrophic damage to your car’s engine or electrical system.
Your driving record affects your car insurance premiums. If you have an at-fault accident, a driving while intoxicated (DWI) conviction, or a speeding ticket on your record, insurers will consider you a high-risk driver, and you’ll likely pay higher rates.
New York is a no-fault state, which means drivers file claims with their own insurance after an accident — no matter who’s at fault. This system can keep insurance costs lower by keeping more claims out of the courtroom.
Here’s a breakdown of average monthly car insurance premiums in Jamaica by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $325 |
| Speeding ticket | $389 |
| At-fault accident | $465 |
| DWI | $603 |
Car insurance rates vary by age. While young drivers typically have the highest premiums, seniors typically pay lower rates due to their years of driving experience.
In Jamaica, more than 52,000 residents are aged 60 or older, according to the New York City Department for the Aging. Nearly 20,000 of Jamaica’s residents are between the ages of 12 and 17.
Teens must be at least 16 to get their learner’s permit and 16 and a half to get their license in New York.[4]
The table below shows average monthly insurance rates in Jamaica, New York, by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $485 |
| 20s | $408 |
| 30s | $375 |
| 40s | $341 |
| 50s | $314 |
| 60s | $236 |
| 70+ | $304 |
*Quotes generated for Insurify users in and around Jamaica, New York within the last 10 days. Last updated on August 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jamaica, New York within the last 10 days. Last updated on August 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Car insurance in Jamaica, New York, is expensive, but you may be able to lower your rate by shopping around. Use the answers to the following frequently asked questions to help guide your search for car insurance.
Erie is the cheapest car insurance company in Jamaica, New York, with liability rates averaging $116 per month.
You can often lower your car insurance premiums by bundling your car insurance policy with your homeowners insurance or renters insurance, asking about discounts, choosing higher deductibles, getting car insurance quotes from several companies, and maintaining a safe driving record.
The best insurance company for you depends on your budget, driving record, and desired coverage. But if you’re looking for the cheapest premiums in Jamaica, New York, check out Erie, USAA, and Travelers.
You can compare Jamaica, New York, car insurance quotes by contacting several insurance companies directly, working with an independent agent, or using an insurance comparison site.
Drivers in New York pay an average of $236 per month for full coverage and $152 for liability-only coverage, according to Insurify data.
Car insurance in New York is expensive due to high levels of traffic congestion, weather risks, and high accident rates.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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