Auto Insurance with Bad Credit in Rhode Island

The Zebra
March 12, 2019

It can be hard to find cheap auto insurance if you have bad credit. Auto insurance companies use credit tier as a primary rating factor, setting prices based in part on drivers’ credit scores. Because car insurance companies use historical data showing drivers with bad credit have a greater likelihood of filing auto insurance claims, they account for for the extra risk by charging more expensive rates.

How much you pay for car insurance with bad credit depends on which company you choose, where you live, and many other rating factors. See below average car insurance prices for drivers with bad credit in primary Rhode Island cities, along with rates from top insurance companies, plus a few tips on saving on auto insurance if you have bad credit in Rhode Island.


Auto insurance for drivers with bad credit in Rhode Island:

  1. Average rates
  2. Rates by city
  3. Costs by company

Car insurance rates with bad credit in Rhode Island

Drivers in Rhode Island pay an average penalty of $1,801 per year for having a credit score at the low end of the scale. A driver in the "poor" or "below fair to poor" credit tiers will also pay higher-than-average rates.


RHODE ISLAND CAR INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Rhode Island
Worst$3,805
Poor$3,482
Below Fair to Poor$3,152
Average — All Credit Tiers$2,004

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Car insurance rates with bad credit in Rhode Island cities

Auto insurance rates will also vary depending on the precise area in which you live. Insurance companies rely on your address to better understand your likelihood of filing a claim: the denser your area,, the more you'll pay for insurance.

See below major Rhode Island cities and their mean car insurance rates for drivers with poor credit ratings.


BAD CREDIT CAR INSURANCE RATES IN RHODE ISLAND CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Providence$5,137$4,700$4,263
Warwick$3,923$3,590$3,251
Cranston$4,698$4,301$3,901
Pawtucket$4,451$4,075$3,696
East Providence$4,205$3,843$3,486

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Best car insurance companies for bad credit in Rhode Island

Another factor that contributes to how much you pay for car insurance is the company you buy from. Each car insurance company prices policies differently, giving rating factors varying weights in their pricing calculations. Credit history can be a primary differentiator in price between otherwise-similar insurance companies. In Rhode Island, the cheapest insurance company for a driver with bad credit is Nationwide, which offers a price break of $93 yearly compared to the second-most affordable company, USAA.

See prices from major auto insurance companies in Rhode Island for drivers with bad credit.


RHODE ISLAND CAR INSURANCE PREMIUMS WITH BAD CREDIT — POPULAR COMPANIES

CompanyAverage Annual Rate — Worst Credit
Nationwide$2,966
USAA$3,058
Amica$3,182
GEICO$3,247
Progressive$4,401

If you're dealing with the difficulty of buying auto insurance with a bad credit history, consider these tips:

  1. See auto insurance quotes
  2. Know when — and when not — to file a claim
  3. Know what goes into auto insurance rates

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