Compare Charlestown, RI Car Insurance Rates (2021)

Car insurance in Charlestown, RI averages $356 a month. Charlestown, Rhode Island car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Charlestown car insurance rates, compare quotes from the top car insurance companies in Charlestown, RI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Charlestown is State Farm
  • Average car insurance rates in Charlestown, RI are $4,269/year
  • The cheapest car insurance company in Charlestown for teen drivers is State Farm

If you need to buy Charlestown, Rhode Island car insurance, the options can be confusing. Everything you need to know about car insurance in Charlestown, RI is right here.

You’ll find Charlestown car insurance rates, the cheapest Charlestown, RI car insurance companies, and information on Rhode Island car insurance laws. You can also compare Charlestown, Rhode Island car insurance rates to West Greenwich car insurance rates, Bradford car insurance rates, and Charlestown car insurance rates.

Ready to find affordable Charlestown, RI car insurance today? Enter your ZIP code for fast, free Charlestown car insurance quotes.

Cheapest Charlestown, RI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Charlestown, RI car insurance rates? Every Charlestown, Rhode Island car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charlestown, Rhode Island

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,701 $3,636 $3,676 $3,836 $6,497 $7,671 $3,881 $4,007
GEICO $2,955 $3,027 $3,027 $2,960 $9,280 $12,124 $3,060 $3,195
Liberty Mutual $3,702 $3,702 $3,530 $3,530 $8,914 $13,893 $3,702 $5,023
Nationwide $2,426 $2,463 $2,153 $2,274 $6,053 $7,740 $2,848 $3,080
Progressive $2,050 $1,948 $1,882 $1,873 $9,046 $10,151 $2,496 $2,549
State Farm $1,326 $1,326 $1,171 $1,171 $3,641 $4,851 $1,456 $1,736
Travelers $1,298 $1,313 $1,320 $1,312 $12,877 $20,209 $1,337 $1,486
USAA $1,927 $1,903 $1,849 $1,811 $8,845 $10,113 $2,627 $2,755

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Minimum Car Insurance in Charlestown, RI

Every driver must carry the minimum car insurance in Charlestown, RI. Take a look at the Rhode Island car insurance requirements.

Minimum Required Car Insurance Coverage in Charlestown, Rhode Island

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Charlestown, RI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charlestown, RI. Compare credit history car insurance rates in Charlestown from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Charlestown, Rhode Island

Insurance Company Poor Fair Good
Allstate $5,780 $4,442 $3,617
GEICO $5,550 $4,816 $4,495
Liberty Mutual $7,557 $5,023 $4,669
Nationwide $4,202 $3,469 $3,219
Progressive $4,481 $3,894 $3,623
State Farm $2,799 $1,893 $1,562
Travelers $5,403 $5,027 $5,003
USAA $5,895 $3,357 $2,684

Cheapest Charlestown, RI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Charlestown, RI to rates for a clean record with top companies.

Annual Charlestown, Rhode Island Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,907 $4,703 $5,406 $4,436
GEICO $3,213 $4,216 $8,362 $4,023
Liberty Mutual $5,312 $6,143 $6,231 $5,312
Nationwide $3,297 $3,701 $4,075 $3,446
Progressive $3,278 $5,151 $3,675 $3,894
State Farm $1,933 $2,539 $1,933 $1,933
Travelers $4,605 $4,761 $5,964 $5,247
USAA $2,890 $3,923 $6,033 $3,069

Cheapest Charlestown, RI Car Insurance for Teen Drivers

Teen car insurance in Charlestown, RI can be expensive. Take a look at rates from the top car insurance companies in Charlestown for teenagers.

Annual Car Insurance Rates for Teen Drivers in Charlestown, Rhode Island

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,497 $7,671
GEICO $9,280 $12,124
Liberty Mutual $8,914 $13,893
Nationwide $6,053 $7,740
Progressive $9,046 $10,151
State Farm $3,641 $4,851
Travelers $12,877 $20,209
USAA $8,845 $10,113

Cheapest Charlestown, RI Car Insurance for Seniors

Take a look at Charlestown, RI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Charlestown, Rhode Island

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,676 $3,836
GEICO $3,027 $2,960
Liberty Mutual $3,530 $3,530
Nationwide $2,153 $2,274
Progressive $1,882 $1,873
State Farm $1,171 $1,171
Travelers $1,320 $1,312
USAA $1,849 $1,811

Cheapest Charlestown, RI Car Insurance Rates After a DUI

A DUI in Charlestown, RI increases car insurance rates. Compare Charlestown, Rhode Island DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Charlestown, Rhode Island

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,406
GEICO $8,362
Liberty Mutual $6,231
Nationwide $4,075
Progressive $3,675
State Farm $1,933
Travelers $5,964
USAA $6,033

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Cheapest Charlestown, RI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Charlestown, RI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Charlestown, Rhode Island

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,581 $4,645
GEICO $4,853 $5,054
Liberty Mutual $5,564 $5,935
Nationwide $3,630 $3,630
Progressive $3,999 $3,999
State Farm $2,022 $2,147
Travelers $5,144 $5,144
USAA $3,941 $4,017

The Best Cheap Car Insurance Companies in Charlestown, RI

Take a look at a side-by-side comparison of the top car insurance companies in Charlestown, RI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Charlestown, Rhode Island

Insurance Company Average Annual Rates
Allstate $4,613
GEICO $4,954
Liberty Mutual $5,750
Nationwide $3,630
Progressive $3,999
State Farm $2,085
Travelers $5,144
USAA $3,979

Category Winners: Cheapest Car Insurance in Charlestown, Rhode Island

Find the cheapest car insurance companies in Charlestown, RI for each category right here.

Best Annual Car Insurance Rates by Company in Charlestown, Rhode Island

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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Cheapest Charlestown, RI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Charlestown car insurance rates. Find the cheapest Charlestown, RI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Charlestown, Rhode Island

Insurance Company Low Medium High
Allstate $4,385 $4,602 $4,852
GEICO $4,743 $4,943 $5,175
Liberty Mutual $5,406 $5,710 $6,134
Nationwide $3,726 $3,647 $3,517
Progressive $3,792 $3,975 $4,230
State Farm $1,975 $2,081 $2,198
Travelers $5,232 $5,237 $4,963
USAA $3,796 $3,982 $4,158

What affects car insurance rates in Charlestown, Rhode Island?

What factors can have an impact on Charlestown, RI car insurance? There are several reasons why Charlestown car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Charlestown, Rhode Island.

Car Theft in Charlestown

High levels of vehicle theft can make car insurance more expensive. Charlestown, RI car theft statistics from the FBI indicate 4 vehicle thefts a year.

Commute Time in Charlestown

The more time you spend in your car the higher the risk of an accident. The average commute length in Charlestown, RI is 38.7 minutes according to City-Data.

Compare Car Insurance Quotes in Charlestown, RI

Ready to find affordable Charlestown, Rhode Island car insurance today? Enter your ZIP code for fast, free Charlestown, RI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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