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:
- Allstate
- Amica
- Cal Casualty
- Encompass
- GEICO
- Liberty Mutual
- MetLife
- National Grange Mutual
- Peerless
- Progressive
- Quincy Mutual
- State Farm
- Travelers
- 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.
- $25000 bodily injury coverage per person is required in Rhode Island.
- $50000 bodily injury coverage per accident is required in Rhode Island.
- $25000 property damage coverage per accident is required in Rhode Island.
Other types of optional coverages in Rhode Island are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
- 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.
This blog is republished from https://blog.mymoneymyquotes.com/cheap-car-insurance-in-rhode-island/
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