Cheap car insurance in Rhode Island

Cheap car insurance in Rhode Island

It is mandatory to get car insurance in Rhode Island for drivers to drive legally in the state. Different companies in Rhode Island provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Rhode Island:

Name of the Company Average annual car insurance premiums
State Farm $977
Travelers $1239
USAA $1645
Quincy Mutual $2214
Amica $2494
MetLife $2534
Progressive $2535
GEICO $2914
Cal Casualty $3006
Nationwide $3199
National Grange Mutual $3510
Encompass $3870
Allstate $3987
Metropolitan $4020

Cheap car insurance in Rhode Island for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Rhode Island with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Rhode Island provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Rhode Island by maintaining a good driving record. Most auto insurance companies in Rhode Island provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $479 on car insurance premiums in Rhode Island.
  •  Drivers may save $892 on car insurance premiums if they have an accident-free record in Rhode Island.
  •  By maintaining a good credit history you may save $1668 on car insurance premiums in Rhode Island. 

Cheap car insurance for inexperienced drivers in Rhode Island

Most auto insurance providers may charge high auto insurance premiums in Rhode Island from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Rhode Island vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Rhode Island. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5670 $9699
17 $5309 $8309
18 $5262 $7299
19 $4638 $4644

Affordable auto insurance in Rhode Island for high-risk drivers

Car insurance companies in Rhode Island charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Rhode Island can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Rhode Island may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $2800
DUI $3499
Speeding Violation $2389
Bad Credit $3578

Best car insurance companies in Rhode Island

Car insurance prices in Rhode Island may vary from company to company. Some companies in Rhode Island charge lower car insurance premiums than others. To get the best auto insurance policy in Rhode Island you should check the reputation and services of the insurance companies because finding affordable car insurance policy is not just enough. You can find the best auto insurance company in Rhode Island by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Rhode Island:

  1. Allstate
  2. Amica
  3. Cal Casualty
  4. Encompass
  5. GEICO
  6. Liberty Mutual
  7. MetLife
  8. National Grange Mutual
  9. Peerless
  10. Progressive
  11. Quincy Mutual
  12. State Farm
  13. Travelers
  14. USAA

What auto insurance coverage is mandatory to purchase for drivers in Rhode Island?

The average annual cost to get the minimum required coverage in Rhode Island may be around $750.  The minimum required coverage for drivers in Rhode Island to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $25000

The state minimum auto insurance requirements in Rhode Island

The state minimum auto insurance coverage requirement in Rhode Island is liability coverage.

  1. $25000 bodily injury coverage per person is required in Rhode Island.
  2. $50000 bodily injury coverage per accident is required in Rhode Island.
  3. $25000 property damage coverage per accident is required in Rhode Island.

Other types of optional coverages in Rhode Island are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured/Underinsured Motorist Bodily Injury
  7. Uninsured Motorist Property Damage
  8. Medical Payments

Fine for driving without car insurance in Rhode Island

If anyone caught driving without a car insurance policy in Rhode Island then police may charge a fine.

Car insurance prices by cities in Rhode Island

Car insurance premiums in Rhode Island may vary from city to city. In some cities of Rhode Island, car insurance prices are high compared to others.

City Average annual insurance premiums
Providence $2825
Cranston $2646
Central Falls $2562
Pawtucket $2490
East Providence $2365
Warwick $2193
Greenville $2185
Harmony $2105
Chepachet $2030
Woonsocket $1990
Pascoag $1967
Harrisville $1944
Kingston $1829
Bradford $1760
Ashaway $1736
Hope Valley $1732
Tiverton $1725
Melville $1636
Newport $1603

If you are looking for a car insurance deal in Rhode Island, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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