Car Insurance for Good Drivers in Rhode Island

The Zebra
July 15, 2019

Auto insurance for good drivers in Rhode Island

Some of the factors that contribute to your car insurance rates lie beyond your control, including your gender, age, and location. But there are a few factors you can control if you're looking for more affordable rates.

If you want to find the lowest possible car insurance rates, try to keep your driving record cleaen, your credit score high, and your monthly driving mileage on the low end. Auto insurance companies provide premium price cuts to low-risk clients. Exhibiting as little risk as possible behind the wheel can lead to lower rates.

Looking for car insurance as a low-risk driver in Rhode Island? Get started by checking out some sample rates below!

Car insurance for citation-free drivers in Rhode Island

One of the easiest ways to pay less for car insurance is to maintain a good driving record. Car insurance companies view safe drivers as less risky customers, in turn charging them less. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you’ve steered clear of violations in recent years, start your insurance search with State Farm, with average annual premiums of $868. That comes out to $522less than the average car insurance rate for drivers without citations in Rhode Island.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN RHODE ISLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$868
USAA$1,455
Amica Mutual$2,023
Quincy Mutual$2,209
Progressive$2,445
GEICO$2,836
Nationwide$2,909
National Grange Mutual$3,101

Auto insurance rates for drivers with above-average credit in Rhode Island

Car insurance companies reward drivers who have above-average credit. If your credit score sits in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If you have a "good" credit score (670-739), your top option for car insurance in Rhode Island could be State Farm, offering average rates of $868. If your credit score is in the “excellent” range, State Farm could be a good company with which to start your search. State Farm's rates for clients who have credit scores of 800 and up are $988 per year cheaper than average rates for drivers with excellent credit in Rhode Island.

Find below a breakdown of auto insurance rates in Rhode Island for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN RHODE ISLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$868
USAA$1,455
Amica Mutual$2,023
Quincy Mutual$2,209
Progressive$2,445
GEICO$2,836
Nationwide$2,909
National Grange Mutual$3,101

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN RHODE ISLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$754
USAA$1,365
Quincy Mutual$1,641
Amica Mutual$2,023
Progressive$2,131
GEICO$2,726
Encompass$2,807
Nationwide$2,811

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN RHODE ISLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$699
USAA$1,277
Quincy Mutual$1,355
Amica Mutual$1,753
Progressive$1,801
GEICO$2,384
Nationwide$2,535
National Grange Mutual$2,585

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Auto insurance for low-mileage drivers in Rhode Island

If you drive infrequently, you're less likely to file an auto insurance claim. At least that’s the logic car insurance companies use when rewarding drivers who use their cars only infrequently. If you stay within the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Just how much you save by reducing your mileage depends on your insurance company’s pricing practices.

If you're a resident of Rhode Island who drives only infrequently, consider State Farm, which offers average annual savings of $624 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN RHODE ISLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$766
USAA$1,293
Quincy Mutual$1,606
Amica Mutual$2,023
Progressive$2,445
GEICO$2,694
Nationwide$2,909
National Grange Mutual$3,101

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Car insurance rates for good drivers in Rhode Island — by city

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurers rate policies by the driver’s home ZIP code, adjusting premiums for the risk presented by specific locations.

Find below a summary of car insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Newport$1,492$1,492$1,354$1,254$1,549
Melville$1,514$1,514$1,374$1,272$1,575
Warwick$1,959$1,959$1,777$1,644$2,017
East Providence$2,044$2,044$1,853$1,715$2,118
Providence$2,478$2,478$2,247$2,077$2,589

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