Compare North Smithfield, RI Car Insurance Rates (2021)

Car insurance in North Smithfield, RI averages $393 a month. North Smithfield, Rhode Island car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap North Smithfield car insurance rates, compare quotes from the top car insurance companies in North Smithfield, RI.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 North Smithfield is State Farm
  • Average car insurance rates in North Smithfield, RI are $4,713/year
  • The cheapest car insurance company in North Smithfield for teen drivers is State Farm

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

You’ll find North Smithfield car insurance rates, the cheapest North Smithfield, RI car insurance companies, and information on Rhode Island car insurance laws. You can also compare North Smithfield, Rhode Island car insurance rates to Saunderstown car insurance rates, Pawtucket car insurance rates, and East Providence car insurance rates.

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

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

How do age, gender, and marital status affect North Smithfield, RI car insurance rates? Every North Smithfield, 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 North Smithfield, 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 $3,853 $3,784 $3,831 $3,995 $6,718 $7,928 $4,034 $4,162
GEICO $3,072 $3,149 $3,149 $3,079 $9,496 $12,441 $3,180 $3,321
Liberty Mutual $3,615 $3,615 $3,448 $3,448 $8,686 $13,530 $3,615 $4,901
Nationwide $2,623 $2,667 $2,315 $2,452 $6,710 $8,609 $3,098 $3,359
Progressive $2,376 $2,253 $2,185 $2,172 $10,704 $12,019 $2,902 $2,953
State Farm $1,729 $1,729 $1,527 $1,527 $4,794 $6,393 $1,902 $2,273
Travelers $1,640 $1,660 $1,669 $1,658 $16,842 $26,559 $1,684 $1,874
USAA $1,965 $1,942 $1,883 $1,844 $9,137 $10,432 $2,682 $2,812

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Minimum Car Insurance in North Smithfield, RI

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

Minimum Required Car Insurance Coverage in North Smithfield, 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 North Smithfield, RI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in North Smithfield, Rhode Island

Insurance Company Poor Fair Good
Allstate $6,011 $4,608 $3,745
GEICO $5,730 $4,968 $4,635
Liberty Mutual $7,368 $4,900 $4,555
Nationwide $4,614 $3,800 $3,524
Progressive $5,247 $4,577 $4,263
State Farm $3,675 $2,482 $2,045
Travelers $7,027 $6,546 $6,522
USAA $6,061 $3,447 $2,753

Cheapest North Smithfield, 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 North Smithfield, RI to rates for a clean record with top companies.

Annual North Smithfield, Rhode Island Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,082 $4,878 $5,581 $4,611
GEICO $3,300 $4,355 $8,634 $4,155
Liberty Mutual $5,176 $5,988 $6,091 $5,176
Nationwide $3,646 $4,050 $4,425 $3,795
Progressive $3,834 $6,082 $4,302 $4,565
State Farm $2,532 $3,341 $2,532 $2,532
Travelers $6,003 $6,207 $7,747 $6,837
USAA $2,971 $4,037 $6,187 $3,154

Cheapest North Smithfield, RI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in North Smithfield, Rhode Island

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,718 $7,928
GEICO $9,496 $12,441
Liberty Mutual $8,686 $13,530
Nationwide $6,710 $8,609
Progressive $10,704 $12,019
State Farm $4,794 $6,393
Travelers $16,842 $26,559
USAA $9,137 $10,432

Cheapest North Smithfield, RI Car Insurance for Seniors

Take a look at North Smithfield, 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 North Smithfield, Rhode Island

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,831 $3,995
GEICO $3,149 $3,079
Liberty Mutual $3,448 $3,448
Nationwide $2,315 $2,452
Progressive $2,185 $2,172
State Farm $1,527 $1,527
Travelers $1,669 $1,658
USAA $1,883 $1,844

Cheapest North Smithfield, RI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in North Smithfield, Rhode Island

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,581
GEICO $8,634
Liberty Mutual $6,091
Nationwide $4,425
Progressive $4,302
State Farm $2,532
Travelers $7,747
USAA $6,187

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Cheapest North Smithfield, RI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in North Smithfield, Rhode Island

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,755 $4,821
GEICO $5,007 $5,215
Liberty Mutual $5,427 $5,788
Nationwide $3,979 $3,979
Progressive $4,696 $4,696
State Farm $2,651 $2,817
Travelers $6,698 $6,698
USAA $4,048 $4,126

The Best Cheap Car Insurance Companies in North Smithfield, RI

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

Average Annual Car Insurance Rates by Company in North Smithfield, Rhode Island

Insurance Company Average Annual Rates
Allstate $4,788
GEICO $5,111
Liberty Mutual $5,608
Nationwide $3,979
Progressive $4,696
State Farm $2,734
Travelers $6,698
USAA $4,087

Category Winners: Cheapest Car Insurance in North Smithfield, Rhode Island

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

Best Annual Car Insurance Rates by Company in North Smithfield, 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 North Smithfield, RI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in North Smithfield, Rhode Island

Insurance Company Low Medium High
Allstate $4,532 $4,774 $5,058
GEICO $4,862 $5,099 $5,372
Liberty Mutual $5,268 $5,568 $5,987
Nationwide $4,113 $4,000 $3,824
Progressive $4,425 $4,668 $4,993
State Farm $2,591 $2,730 $2,881
Travelers $6,823 $6,820 $6,453
USAA $3,906 $4,090 $4,265

What affects car insurance rates in North Smithfield, Rhode Island?

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

Car Theft in North Smithfield

High levels of vehicle theft can make car insurance more expensive. North Smithfield, RI car theft statistics from the FBI indicate 15 vehicle thefts a year.

Compare Car Insurance Quotes in North Smithfield, RI

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

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

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