Without the runaround, Jamestown households compare auto coverage through Freedom Insurance Group. Call (800) 253-1482 or request a quote online.
Average car insurance rates in Jamestown, Tennessee
Comparison only — the figures are averages and estimates for illustration, not guaranteed quotes. Drivers, vehicles, and ZIP code, together with limits, deductibles, credit where allowed, and claims history, determine what you pay.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Jamestown, Tennessee | $153.01 |
Jamestown, TN: cheapest car insurance companies
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $131.58 |
| 2 | Safeco | $138.17 |
| 3 | Progressive | $148.24 |
| 4 | Travelers | $149.49 |
| 5 | Elephant | $150.52 |
| 6 | National General NS | $155.68 |
| 7 | Allstate | $167.76 |
| 8 | Bristol West | $176.11 |
| 9 | Chubb | $184.50 |
| 10 | GAINSCO | $186.30 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,026.75 |
| 20s | $120.60 |
| 30s | $108.15 |
| 40s | $119.61 |
| 50s | $118.18 |
| 60s | $96.20 |
| 70+ | $103.43 |
Check Out Other Rates in Jamestown, TN Nearby Cities:
Car coverage guides for Jamestown drivers
A serious injury claim or a newer financed vehicle tends to outrun state-minimum limits, though those limits satisfy Tennessee law. When you compare quotes in Jamestown, use the outline below as a checklist.
- Liability (bodily injury & property damage): Pays for injuries and damage to others when you are at fault. Savings, equity in a house, or a long drive through heavy traffic all argue for consider higher limits.
- Collision: After a crash with another car or an object, it covers repairs to your car, once the deductible is met.
- Comprehensive: This matters most where severe weather is common; it helps after theft, hail, glass breakage, animal strikes, and many other non-crash losses.
- Uninsured / underinsured motorist: If the at-fault driver is uninsured or underinsured, this coverage pays for your losses. Before you decline UM/UIM, ask how it works in your state.
- MedPay or PIP: Covers medical bills for you and your passengers after an accident; availability and stacking rules vary by state.
- Rental reimbursement: If your car is in the shop because of a covered claim, this helps cover a rental car.
- Roadside help: Towing, battery, and lockout help, sometimes cheaper on the auto policy than a separate club membership.
- Higher liability limits & umbrella coordination: If you carry an umbrella, confirm auto limits meet the carrier’s underlying requirements.
Lenders and leasing companies will almost always require collision and comprehensive on a Jamestown car. Going without collision is an option we can price on an older, paid-off car after you understand the out-of-pocket risk. Storm-prone ZIP codes justify a second look at glass and hail deductibles.
Driving and insurance context in Jamestown
Jamestown counts roughly 1,947 residents and sits in Fentress County. Residents number about 1,947. Flood considerations near rivers and low spots add to the tornado and storm risk built into much of Tennessee pricing.
Each trip pattern tells carriers something different about weekend highway miles, longer metro commutes, and short school runs for Jamestown drivers. Local weather — especially severe storms, flooding in low spots, and foggy river corridors — also shapes comprehensive claims and, over time, the rates carriers file for the surrounding ZIP codes. That is why two neighbors in Jamestown can see different premiums even with similar vehicles: how the car is built, credit-based insurance score where allowed, prior claims, and the exact garaging address all move the quote.
Newcomers to the Fentress County area should take a few minutes to confirm how the vehicle is used. Carriers care more about how and by whom the car is driven than a minor trim difference: highway commuting, rideshare activity, and teen drivers each change the rating story. The best match comes from honest details: tell us how you really use the car in the quote request, and we can line up carriers that price that kind of driving well.
Many Jamestown drivers also underestimate how safety features and how long you have owned the car interact with discounts. A carrier might credit automatic emergency braking or anti-theft gear heavily while another barely does, and the same goes for continuous coverage. An independent agent can translate those quirks into a shortlist instead of having you re-enter the same application on ten websites.
Keep the declarations pages from your current policy handy; that small step saves time. An apples-to-apples comparison for Jamestown is quickest to build when you start with limits, deductibles, and listed drivers. A dramatically cheaper quote deserves a check: were liability limits lowered, did comprehensive disappear, or was someone in the household left off?
Ways to lower car insurance rates in Jamestown
The lowest binder price is only part of shopping. The durable wins usually come from right-sizing liability limits first, then shopping collision deductibles, then re-checking the market every policy term.
- Compare at least several carriers each renewal. As storms and loss trends play out, carrier appetite shifts. In Jamestown, the leader can change year to year: last year’s lowest price may not lead today.
- Bundle when the numbers add up. Pairing home and auto can save, but check the total price, not just the auto line alone. Go to /get-a-quote/auto-quote and list any homeowners or renters policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,026.75, far above adult buckets near $96. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Hard stops and night miles can undo the savings, although usage-based programs favor gentle acceleration and low overnight mileage.
- Avoid coverage gaps. Gaps, even short ones, often costs more than the months you skipped.
- Get the garaging address right. If the car sleeps in Jamestown but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Combined, these credits can move a competitive quote, even though each is small alone.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. Have those details ready to your Jamestown quote review so underwriting does not have to guess.
Discounts worth asking about in Jamestown
- Multi-policy credit — auto paired with home or renters.
- Multi-car credit — several vehicles insured with the same company.
- Safe driver / claims-free — a clean record usually prices better.
- Good student and driver training — worth asking about when teens are on the policy.
- Telematics / usage-based — optional tracking that rewards careful habits.
- Autopay, paperless, and paid-in-full — small discounts that stack together.
- Anti-theft and safety features — based on the vehicle and the carrier.
Discounts never replace shopping. Two carriers can advertise similar credits and still land fifty dollars apart on the same Jamestown driver.
Jamestown at a glance
Jamestown counts roughly 1,947 residents and sits in Fentress County.
As a smaller Tennessee place, Jamestown does not have big-city tourism headlines — what matters for insurance is local construction, fire protection access, and regional storm patterns.
Roof age, construction type, and replacement cost explain most of the block-to-block price gaps in a single-family housing mix typical of the Fentress County area.
Flood considerations near rivers and low spots add to the tornado and storm risk built into much of Tennessee pricing.
Several cars or mixed driving records at home
When a Jamestown household has multiple cars, think carefully about driver assignments. The most expensive driver on the most expensive car is a common self-inflicted premium spike. Carriers differ in how they rate household drivers, which is why we model assignments carrier by carrier.
Recent tickets and minor accidents surface in underwriting, so do not hide one; look for markets that are more forgiving of it. Independent agencies exist precisely so you are not stuck inside one company’s rules.
What usually changes a quote in Jamestown
The vehicle’s sticker price is only a start when carriers review a Jamestown application. Coverage lapses, prior bodily injury claims, and comprehensive weather losses can outweigh a clean credit file. With a fairly new vehicle, long continuous coverage and low estimated annual miles help the rate.
Working from home part of the week? Your mileage estimate may need updating. Mileage estimates from an old job still sit on many Jamestown policies, so households overpay for miles they no longer drive. To avoid a mismatch at claim time, update the application if your commute around the Fentress County area got longer; the opposite case matters too.
How Freedom Insurance Group helps Jamestown drivers
No invented AM Best ratings, and we do not claim every carrier is appointed for every niche. Plain-language tradeoffs, shopping across the markets we can access, and help choosing limits that fit your driving in Jamestown and the Fentress County area: that is the service.
Phone (800) 253-1482, or get a free auto quote started online. If you also need homeowners coverage, you can start on the home quote form and we will review bundling options without pressure.
Plan to talk through drivers, vehicles, the garaging ZIP code, desired liability limits, and any recent claims. This page’s illustrative averages turn into a shortlist of bindable options for your household once we have those details.
Local driving facts for Jamestown
NOAA storm reports show 2 hail reports within about 5 miles of Jamestown from 2016 through 2025. The largest stones measured 1 inch near Pine Haven in February 2017. Hail that size can dent body panels and crack windshields, which falls under comprehensive coverage. The same database has 3 flash-flood reports nearby, the latest in March 2021; a flooded car is a comprehensive claim, not collision.
Jamestown workers spend about 19 minutes getting to work on an average day, according to 2020–2024 Census survey estimates. Nearly 72% of commuters have trips shorter than 15 minutes, a point worth raising when you estimate mileage. Of all workers, 67% drive alone, 19% carpool, and 4.1% work from home.
Census estimates (2020–2024) put about 2,230 people in Jamestown, on roughly 3.1 square miles of land, which works out to about 715 per square mile. The closest Tennessee city with more than 100,000 residents is Knoxville, about 64 miles to the southeast.
Of the roughly 969 occupied households in Jamestown, 20% own at least three vehicles and 20% have two. About 20% of households have no vehicle at all, a group that may want to ask about non-owner car insurance if they borrow or rent cars.
Jamestown was founded in 1823 and incorporated in 1837. The name honors James Fentress. Jamestown’s population went from 1,839 at the 2000 Census to 1,959 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 2,102. Numbers have held fairly steady since 2000. The NOAA Storm Prediction Center database shows 10 tornadoes that began within 10 miles of Jamestown from 1950 through 2015, the strongest an F2 on April 3, 1974. That tornado’s record lists 11 injuries.
Shopping around the area? See our car insurance pages for Grimsley (11 mi), Helenwood (21 mi), and Livingston (22 mi).
ZIP codes we insure in and around Jamestown
38556
Other Tennessee coverage pages
Get auto insurance quotes in Jamestown, TN
Freedom Insurance Group compares 25+ carriers for Jamestown residents. Phone (800) 253-1482, or get a free auto quote started online.
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