Providence, RI Car Insurance

Providence drivers pay $235 per month for car insurance on average. Are you paying too much?

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How much does car insurance cost in Providence?

 

The typical Providence driver pays $2,820 per year for auto insurance. That's greater than than the statewide average in Rhode Island ($2,103) and more expensive than the national average of $1,548. Our guide to Providence auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
PROVIDENCE CAR INSURANCE RATES
Providence Average (per year)Rhode Island AverageNational Average
$2,820$2,103$1,548
 
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Providence car insurance rates by company

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Providence's most affordable premiums. Reference below the top options for affordable insurance in Providence. Don't forget to get car insurance quotes based on your unique driving profile.

 
PROVIDENCE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
GEICO$1,901
Amica$2,600
Progressive$3,275
Nationwide$3,331
Allstate$3,457
 

Consult our expert guide to finding the best cheap car insurance.

 
 

 

Auto insurance premiums by age in Providence

Providence drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $2,624 per year, on average. Those in their 40s don't pay much more ($2,773).

The Providence drivers who face the priciest insurance rates are teenagers. When Providence drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Providence is $7,394. That's the biggest gap in premiums between any pair of age brackets.

 
PROVIDENCE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage Annual Rate
Teenagers$11,257
20s$3,863
30s$2,789
40s$2,773
50s$2,624
60s$2,983
70s$3,110
 

Learn more about how age influences auto insurance rates.

 
 

 

Providence car insurance rates by marital status and gender

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Providence, married motorists pay $198 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Providence, widowed drivers pay less than those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Providence, the gap in average auto insurance premiums between genders is $5 per year, with male drivers paying more than female drivers.

 
PROVIDENCE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$2,815
Male$2,820
Single$2,622
Married$2,622
Divorced$2,820
Widowed$2,783
 

Learn more about how gender and marital status have on auto insurance rates.

 
 

 

Providence auto insurance costs by violation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Providence drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $2,536 per year versus the city average. A ticket for speeding results in an $805 rate hike while a DWI or DUI violation costs $2,571per year in extra insurance expenditures.

 
AVERAGE PROVIDENCE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DUI/DWI$5,391
Reckless Driving$5,356
At-fault Accident (damages less than $1,000)$3,256
At-fault Accident (damages > $2,000)$4,314
Speeding Ticket (16-20 mph over speed limit)$3,625
 

Get more info on how a bad driving history can impact your car insurance costs.

 
 

 

Providence car insurance rates by credit tier

 

In many cases, a driver's credit level is closely correlated with their auto insurance rates. In Providence, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 56% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Providence, improving your credit to "Fair" could help you earn a $1,850 decrease in annual car insurance rates.

 
PROVIDENCE AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Annual Rate
Very Poor$5,399
Fair$3,549
Good$2,820
Very Good$2,613
Exceptional$2,353
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 
 

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.