Cheapest Car Insurance In Rhode Island For 2024

Amica Mutual is known for providing the most affordable car insurance policy for people living in Rhode Island.

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Written by Bob Phillips
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Obtaining affordable car insurance in Rhode Island may seem challenging, but it’s not impossible. Amica Mutual offers competitive rates and reliable service, providing various coverage options from basic to comprehensive.

Based on thorough research conducted over the past decade, I’ve summarized our findings to help you navigate this intricate market.

This guide will explore the specifics of car insurance in Rhode Island, examine the factors influencing insurance premiums, and provide practical tips for obtaining affordable coverage while ensuring adequate protection.

Cheapest Car Insurance Companies In Rhode Island

Cheapest Car Insurance In Rhode Island For Minimum Coverage

In Rhode Island, Amica Mutual is the preferred option for liability car insurance, providing monthly rates averaging just $30.

Provider Average Monthly Cost Average Annual Cost

GEICO

$100

$1,198

Amica Mutual

$30

$358

State Farm

$32

$382

Progressive

$69

$826

Allstate

$60

$718

Drivers in Rhode Island must adhere to legal responsibilities by maintaining the minimum required car insurance coverage for driving on the roads. This basic insurance usually includes liability coverage, which comprises bodily injury liability and property damage liability.

Bodily injury liability coverage helps with medical expenses, rehabilitation costs, and potential legal fees if you are at fault in an accident that causes injuries to another person. On the other hand, property damage liability coverage assists in paying for repair or replacement expenses for another person’s vehicle or property if you are deemed responsible for the damage.

These minimum coverage requirements in Rhode Island are mandated by state law and can vary depending on factors such as your vehicle type and driving history. It is important to carefully review these requirements and ensure that you have adequate coverage to meet legal obligations and safeguard yourself financially in the event of an accident.

Cheapest Car Insurance In Rhode Island For Good Drivers

In Rhode Island, the price of car insurance for cautious drivers may fluctuate depending on factors like driving experience, age, and the kind of coverage they opt for. Generally, cautious drivers with spotless records can benefit from reduced premiums as they present lower risk to insurance firms.

Moreover, they might qualify for extra discounts for consistently upholding a good driving history. It’s recommended that careful drivers explore different insurers and compare quotes to discover the most competitive rates and coverage plans tailored to their specific requirements.

Provider Average Monthly Cost Average Annual Cost

GEICO

$100

$1,198

Amica Mutual

$30

$358

State Farm

$32

$382

Progressive

$69

$826

Allstate

$60

$718

Cheapest Car Insurance In Rhode Island For Drivers With Poor Credit

Travelers in Rhode Island provides the best rates for drivers with low credit scores, with starting monthly premiums averaging at just $124.

Provider Average Monthly Cost Average Annual Cost

Progressive

$200

$2,398

Travelers

$124

$1,486

Amica Mutual

$134

$1,606

Allstate

$222

$2,662

Nationwide

 $153

$1,834

Your credit score significantly influences car insurance rates as it helps insurers assess risk. A lower credit score often suggests a higher likelihood of filing claims, leading insurers to classify these individuals as higher-risk policyholders.

In Rhode Island, drivers with poor credit may face higher car insurance premiums compared to those with good credit. Insurers typically consider credit history when calculating rates, as research shows a connection between credit scores and the likelihood of filing claims.

Drivers dealing with poor credit may find it difficult to secure affordable insurance options. However, they can explore discounts and compare quotes from different insurers to find the most favorable rates available.

 

Cheapest Car Insurance In Rhode Island For Young Drivers

In Rhode Island, young adults generally get better car insurance rates than teenagers. This happens because as drivers get older, they tend to adopt safer driving habits, leading to fewer accidents and insurance claims. Insurance companies take these driving behaviors into account and adjust premiums for young adults based on their improved safety records.

Cheapest Rhode Island Car Insurance For 16-Year-Olds

In Rhode Island, GEICO offers the most competitive rates for 16-year-olds, with an average monthly premium of $625.

Provider Average Monthly Cost Average Annual Cost
American Family $651 $7,810
Allstate $682 $8,182
USAA $824 $9,886
Geico $625 $7,498
Nationwide $630 $7,558

Cheapest Rhode Island Car Insurance For 17-Year-Olds

GEICO provides the most budget-friendly rates for 17-year-olds, with an average premium of $330.

Provider Average Monthly Cost Average Annual Cost
American Family $421 $5,050
Allstate $472 $5,662
Amica $490 $5,878
Geico $330 $3,958
USAA $400 $4,798

Cheapest Rhode Island Car Insurance For 18-Year-Olds

For 18-year-olds, GEICO offers the most cost-effective rates, with an average monthly premium of $320.

Provider Average Monthly Cost Average Annual Cost
American Family $355 $4,258
Allstate $458 $5,494
Amica $459 $5,506
Geico $320 $3,838
USAA $325 $3,898

Cheapest Rhode Island Car Insurance For 21-Year-Olds

For 21-year-olds, USAA provides the most economical rates, with an average monthly premium of $145.

Provider Average Monthly Cost Average Annual Cost
Travelers $226 $2,710
Amica $240 $2,878
American Family $249 $2,986
USAA $145 $1,738
Geico $175 $2,098

Cheapest Car Insurance In Rhode Island For Drivers With Prior Incidents

In Rhode Island, drivers who have a track record of incidents such as accidents, speeding tickets, or DUIs often encounter difficulties in finding affordable car insurance. These incidents categorize them as high-risk individuals for insurers, increasing the probability of future claims.

As a result, insurers often raise premiums to compensate for the increased risk of payouts. This trend is especially noticeable in Rhode Island due to its higher incidence of traffic incidents. Insurers employ this pricing approach based on statistical assessments, which demonstrate a correlation between a history of driving incidents and an increased likelihood of future claims.

Cheapest Car Insurance In Rhode Island After A Speeding Ticket

State Farm offers the most economical option for drivers with a speeding ticket, with average premiums approximately $100.

Provider Average Monthly Cost Average Annual Cost
Allstate $153 $1,834
GEICO $274 $3.286
State Farm $100 $1,198
Progressive $180 $2,158
Nationwide $120 $1,438

Cheapest Car Insurance In Rhode Island After An At-Fault Accident

State Farm stands out for providing the most affordable choice for drivers who have been in an at-fault accident, with average premiums amounting to $90.

Provider Average Monthly Cost Average Annual Cost
Travelers $100 $1,198
GEICO $212 $2,542
Progressive $130 $1,558
State Farm $90 $1,078
Allstate $124 $1,486

Cheapest Car Insurance In Rhode Island For Drivers After A DUI

State Farm provides the most affordable option for drivers with a DUI on their record, with average premiums at $90.

Provider Average Monthly Cost Average Annual Cost
Progressive $152 $1,822
Allstate $188 $2,254
Nationwide $228 $2,734
State Farm $90 $1,078
GEICO $592 $7,102

Cheapest Full-Coverage Car Insurance In Rhode Island

Travelers provides the best value for full coverage car insurance in Rhode Island, with an average monthly premium as low as $82.

Provider Average Monthly Cost Average Annual Cost

Travelers

$82

$982

Progressive

$114

$1,366

Allstate

$123

$1,474

Nationwide

$112

$1,342

GEICO

$185

$2,218

In Rhode Island, full coverage car insurance provides comprehensive protection for drivers and their cars, going beyond the state’s required liability coverage. It includes extra features like collision and comprehensive insurance.

Collision coverage takes care of fixing your car after a crash with another vehicle or object, no matter who’s at fault. Meanwhile, comprehensive coverage deals with damages from incidents like theft, vandalism, fire, or natural disasters.

This car insurance type offers peace of mind by giving thorough financial protection in various situations, ensuring coverage for damages to both your car and others involved in an accident. Nonetheless, it’s crucial to thoroughly examine your policy to grasp coverage limits and deductibles for sufficient protection.

Cheapest Car Insurance In Rhode Island For Seniors

In Rhode Island, seniors can find the most competitive rates from Travelers, offering starting monthly premiums as low as $75 on average.

Provider Average Monthly Cost Average Annual Cost

Nationwide

$110

$1,318

State Farm

$83

$994

American Family

$123

$1,474

Allstate

$140

$1,678

Travelers

$75

$898

Senior citizens often enjoy reduced car insurance rates for several reasons. Insurance companies typically view seniors as experienced and dependable drivers known for practicing safe driving habits. Additionally, many seniors tend to drive fewer miles each year, which lowers their likelihood of being involved in accidents and making insurance claims.

To accommodate senior drivers, some car insurance providers offer specialized discounts tailored to their specific needs. These discounts take into account factors such as age, driving frequency, and participation in senior driver safety courses.

Many insurers encourage seniors to take defensive driving courses by offering discounts once the course is completed. These courses aim to refresh driving skills and knowledge, promoting safer driving practices among older adults.

 

Average Cost Of Auto Insurance In Rhode Island – By Age

Age Average Monthly Cost Average Annual Cost
16 $888 $10,654
17 $646 $7,750
18 $552 $6,622
19 $388 $4,654
21 $280 $3,358
25 $186 $2,230
35 $167 $2,002
40 $159 $1,906
50 $149 $1,786
55 $145 $1,738
65 $166 $1,990
75 $178 $2,134

Average Cost Of Car Insurance In Rhode Island – By Gender & Marital Status

Gender Marital Status Average Annual Cost
Female Single $1,682
Male Single $1,762
Female Married $1,654
Male Married $1,738

Average Cost Of Auto Insurance In Rhode Island – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $145 $1,738
Good $148 $1,774
Poor $230 $2,758

Cheapest Car Insurance In Rhode Island By City

City Average Monthly Cost Average Annual Cost
West Warwick $183 $2,194
Cumberland $185 $2,218
Woonsocket $186 $2,230
Lincoln $203 $2,434
Smithfield $204 $2,446

Minimum Car Insurance Requirements In Rhode Island

In Rhode Island, the basic car insurance requirements include coverage for bodily injury and property damage. These are usually shown as three numbers like 25/50/25. This means there’s $25,000 coverage for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

Rhode Island also requires Personal Injury Protection (PIP) coverage as part of its no-fault insurance system. PIP helps pay for medical bills and lost wages for you and your passengers, regardless of who’s at fault in an accident, offering important financial protection for accident-related injuries.

Alternatively, drivers can choose the “Health Insurance Primary” (HIP) option, where their health insurance covers accident-related medical costs instead of PIP. However, not all health insurance plans qualify for HIP, so it’s important to check eligibility with your health insurance provider.

Car Insurance Discounts In Rhode Island

When you’re shopping around for car insurance, it’s a smart move to look into companies that offer discounts tailored to your situation. Plus, having a chat with your insurance agent could reveal discounts you haven’t taken advantage of yet.

Here are some common discounts you might find with major car insurance providers:

  • Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you could qualify for this discount.
  • Multi-Vehicle Discount: Insuring more than one vehicle under the same policy might get you a discount, saving you money compared to insuring each vehicle separately.
  • Bundle Discount: Many insurers give discounts to folks who bundle their car insurance with other policies like homeowners or renters insurance.
  • Good Student Discount: Students who maintain good grades could be eligible for a discount on their car insurance premiums.
  • Defensive Driving Course Discount: Finishing a defensive driving course might make you eligible for discounts on your car insurance premiums. These courses teach valuable skills to help drivers avoid accidents and lower their risk on the road.
 

Our Methodology

During our investigation, I utilized a structured approach to gather and analyze data about different car insurance companies and their policies. Firstly, I pinpointed crucial factors for evaluation, including coverage variations, pricing, client feedback, and the financial stability of insurers. Then, I gathered information from reliable outlets like insurance company sites, consumer review platforms, and industry analyses.

Once all the data was assembled, I arranged it systematically and evaluated each insurer against set criteria. This entailed comparing coverage options, premium rates, discounts offered, and customer reviews to identify the pros and cons of each provider.

117

Quotes Analyzed

15+

Years Of Industry Experience

36

Brands Reviewed

35+

Research Hours

FAQs

How much is car insurance a month in Rhode Island?

The typical monthly expense for car insurance in Rhode Island can vary based on factors such as the driver’s age, driving record, and the specific coverage they select.

What is the minimum car insurance one must have in Rhode Island?

In Rhode Island, drivers must have at least the minimum car insurance, which includes liability coverage for bodily injury and property damage. Moreover, the law mandates Personal Injury Protection (PIP) coverage.

Which insurance is better in Rhode Island?

The best insurance company in Rhode Island can differ depending on what you personally prefer, how you drive, and what kind of insurance you need. It’s a good idea to get quotes from a few different companies to find the one that fits your needs the best.

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