Cheapest Car Insurance in Rhode Island for 2022


Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years.

Best Cities for Cheap Car Insurance in Rhode Island

 

City Premium Percent Increase
Newport $1,239 0.0%
Middletown $1,244 0.4%
Portsmouth $1,293 4.4%
Wakefield $1,304 5.2%
Tiverton $1,311 5.8%
Westerly $1,322 6.7%
Narragansett $1,323 6.8%
North Kingstown $1,445 16.7%
Bristol $1,447 16.8%
North Smithfield $1,476 19.1%
Barrington $1,493 20.5%
Coventry $1,505 21.5%
Woonsocket $1,528 23.3%
East Greenwich $1,539 24.2%
Warren $1,539 24.2%
Cumberland $1,547 24.9%
North Scituate $1,550 25.1%
Lincoln $1,570 26.7%
Warwick $1,590 28.3%
Smithfield $1,593 28.6%
West Warwick $1,608 29.8%
Riverside $1,706 37.7%
Rumford $1,732 39.8%
East Providence $1,738 40.3%
Cranston $1,822 47.1%
Johnston $1,827 47.5%
Central Falls $1,937 56.3%
Pawtucket $1,944 56.9%
North Providence $1,990 60.6%
Providence $2,139 72.6%

 

Factors That Affect Car Insurance Premiums in Rhode Island

Although senesce drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their senior years.

Cheapest Car Insurance in Rhode Island

7 Tips for How to Get Cheap Car Insurance in Rhode Island

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Rhode Island, regional insurers like Amica Mutual and The Hanover might have lower rates than national companies like State Farm, Geico, and Allstate and have comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Rhode Island

Everyone knows that your driving habits and
 

3. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even
 

4. Choose the coverage that is right for you

You need l
 

5. Search for discounts

Top car insurance companies in Rhode Island have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

6. Stay in less expensive zip codes

Car insurance prices can vary a lot based on zip code in Rhode Island. On average, drivers in the
 

7. Try usage-based insurance

Drivers in Rhode Island average just over 7,500 miles per year, which is much less than the national average. That means a lot of drivers could potentially save by trying
 

Methodology

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan
  • Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as required by Rhode Island’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Rhode Island insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car indemnity companies in Rhode Island is based on data from the Rhode Island DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car policy companies for Rhode Island drivers in a collection of key categories. For each profile, WalletHub compared quotes among acme Rhode Island car indemnity companies by averaging premiums from 30 travel rapidly codes that represent at least 20 % of Rhode Island ‘s population. Military-specific companies like USAA were lone considered for the military-specific category, due to their eligibility restrictions. In some cases, they may however be the best option overall for eligible drivers.In the board below, you can see all of the profile characteristics that were used in WalletHub ’ randomness analysis, in addition to the specific subset of characteristics that make up our dear Driver profile.Below are extra details regarding the terminology and particular characteristics of the variables in the above mesa : Where driver profiles are not specified, WalletHub averaged Rhode Island indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is congressman only. individual rates will be different.

Don ’ t forget to include local insurance companies in your search for bum car indemnity. In Rhode Island, regional insurers like Amica Mutual and The Hanover might have lower rates than home companies like State Farm, Geico, and Allstate and have comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for cable car indemnity. But in Rhode Island, companies can besides consider your historic period, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your restraint all impact the price of insurance.You ’ ll see higher rates if you let your insurance backsliding, tied if you don ’ thyroxine own a car. Rhode Island drivers who don ’ metric ton maintain continuous coverage pay an average of 11 % more than those with five or more years of insurance history.You need fifty iability indemnity to pay for the other driver ’ south damages if you ’ re at fault in an accident in Rhode Island. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car, and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ triiodothyronine scrimp on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car insurance than you need.Top car insurance companies in Rhode Island have a variety of discounts, sol about anyone can find ways to save. You may be able to get a discount if you ’ re a student, veteran, adept driver, homeowner, uncoerced to go paperless, and more.Car policy prices can vary a draw based on energy code in Rhode Island. On average, drivers in the most expensive parts of Rhode Island spend over $ 1,200 more per year on car insurance than those living in the least expensive areas.Drivers in Rhode Island median just over 7,500 miles per class, which is a lot less than the national average. That means a bunch of drivers could potentially save by trying usage-based insurance, which adjusts your premium based on actual driving habits like total mileage, hard brake, distracted drive, and more. Low-mileage drivers stand to save the most with usage-based policy programs .

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