Compare Providence, RI Car Insurance Rates [2023]

Providence, RI car insurance is quite expensive. This is partly because heavy traffic makes Rhode Island car insurance the sixth most expensive in the U.S.

But, drivers can still find cheap auto insurance in Providence. The best way to find affordable Providence, RI car insurance is to shop around to find the best prices since every auto insurance company will charge different rates.

Monthly Providence, RI Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Providence, RI auto insurance rates by ZIP Code below:

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Providence, RI Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Providence, RI against other top US metro areas’ auto insurance costs.

This makes it necessary to compare quotes. Enter your ZIP code now to compare Providence, RI car insurance quotes from local companies for free.

What is the cheapest car insurance company in Providence, RI?

The cheapest car insurance company in Providence is State Farm, although rates will vary from driver to driver.

The cheapest Providence, RI car insurance providers can be found below. You also might be wondering, “How do those Providence, RI rates compare against the average Rhode Island car insurance company rates?” We uncover that too.

The top car insurance companies in Providence, RI listed from cheapest to most expensive are:

• State Farm car insurance – $2,897.12
• USAA car insurance – $4,973.73
• Nationwide car insurance – $5,966.30
• Allstate car insurance – $6,154.90
• Progressive car insurance – $6,605.88
• Geico car insurance – $7,636.69
• Liberty Mutual car insurance – $8,976.30
• Travelers car insurance – $9,357.66

There are many different factors that affect car insurance rates in Providence, RI, such as age, gender, marital status, driving record, ZIP code, and credit history.

Comparing Providence, Rhode Island car insurance rates by age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

Your coverage level will play a major role in your Providence, RI car insurance costs. Find the cheapest Providence, Rhode Island car insurance costs by coverage level below:

Your credit score will play a major role in your Providence, RI car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. You may be able to get a good credit discount. Find the cheapest Providence, Rhode Island car insurance costs by credit score below.

Your driving record will affect your Providence, RI car insurance costs. For example, a Providence, Rhode Island DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Providence, Rhode Island car insurance with a bad driving record.

Controlling these risk factors will ensure you have the cheapest Providence, Rhode Island car insurance. Factors affecting car insurance rates in Providence, RI may include your commute, coverage level, tickets, DUIs, and credit.

Age is a significant factor for Providence, RI car insurance rates. Young drivers are often considered high-risk. Therefore, teen car insurance is more expensive. Providence, Rhode Island does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Providence, RI.

What car insurance coverage is required in Providence, RI?

In Providence, RI, drivers have to carry at least the minimum car insurance required by the state. The required car insurance in Rhode Island is:

• $25,000 per person and $50,000 per incident for bodily injury liability
• $25,000 per incident for property damage
• $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

When it comes to car insurance Rhode Island is an at-fault state. This means that the at-fault driver in the accident will be responsible for damages, as much as they are at fault. Drivers only cover the costs of the accident equal to how much fault they had in the crash.

For example, if you are 100 percent at-fault, you and your insurance company will pay for 100 percent of the damages. However, if you are only 50 percent at fault, you will only have to cover half of the damages.

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What affects car insurance rates in Providence, RI?

RI, Providence, is rather heavily populated, meaning heavy road traffic. More traffic equals more incidents.

INRIX ranks Providence as the 16th most congested city in the U.S. and 74th most congested city in the world.

City-Data reports that Providence, RI drivers’ average commute time is less than 25 minutes. Although the majority of drivers choose to drive alone, a good number carpool or walk to work.

Also, the FBI shows that there were 580 motor vehicle thefts in Providence. That’s about one theft for every 310 people.

Providence, RI Car Insurance: The Bottom Line

Shop around before you buy Providence, RI car insurance since it is so expensive. Compare quotes from multiple companies to find the best coverage at the right price for you.

Enter your ZIP code now to compare Providence, RI car insurance rates, and find the cheapest auto insurance.

Free Car Insurance Comparison

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

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