Cheapest Car Insurance for High Risk Drivers in Rhode Island

Cheapest Car Insurance for High Risk Drivers in Rhode Island

When shopping for the cheapest car insurance for high risk drivers, one of the many criteria that play a part in determining the amount you pay each year for auto insurance is the neighborhood you call home. Regions with larger populations or more claims like Providence, Pawtucket, and Central Falls are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the benefit of the cheapest auto insurance for high risk drivers in Rhode Island.

The illustration below illustrates the highest-priced places in Rhode Island for high risk drivers to buy car insurance in.

How much does auto insurance cost in Rhode Island?
Rank City Annual Premium
1 Providence $2,209
2 Cranston $2,117
3 Pawtucket $1,875
4 East Providence $1,851
5 Central Falls $1,783
6 Valley Falls $1,758
7 Greenville $1,734
8 Warwick $1,732
9 Harmony $1,707
10 Cumberland Hill $1,660
11 Chepachet $1,573
12 Woonsocket $1,571
13 Pascoag $1,559
14 Harrisville $1,531
15 Hope Valley $1,507
16 Narragansett Pier $1,505
17 Bradford $1,491
18 Kingston $1,471
19 Wakefield-Peacedale $1,469
20 Ashaway $1,450
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Rate quotes are estimated as the specific area where the vehicle is garaged can affect coverage prices substantially.

The vehicle requiring coverage is one of the largest considerations when trying to find the cheapest auto insurance for high risk drivers in Rhode Island. Vehicles with higher performance characteristics, a lack of advanced safety features, or high incidents of liability claims will cost more to insure than more economical and safe models.

The information below ranks insurance costs for a selection of the more afforable automobiles to buy coverage for.

Insurance Rates for Popular Cars in Rhode Island
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $3,962 $1,981 $330
Ford Fusion Hybrid 4-Dr Sedan $5,024 $2,512 $419
Honda Accord LX 4-Dr Sedan $3,344 $1,672 $279
Honda Civic SI 2-Dr Coupe $5,206 $2,603 $434
Hyundai Sonata SE 4-Dr Sedan $4,486 $2,243 $374
Kia Optima EX $4,526 $2,263 $377
Nissan Altima Hybrid 4-Dr Sedan $4,182 $2,091 $349
Toyota Corolla S $4,142 $2,071 $345
Volkswagen Jetta S 4-Dr Sedan $3,962 $1,981 $330
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Data based on married female driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific zip code location which can raise or lower premium rates significantly.

Car Insurance Rates for Popular SUVs and Crossovers in Rhode Island
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Suburban LS 2WD $4,002 $2,001 $334
Chevrolet Traverse LS AWD $3,422 $1,711 $285
Ford Escape Limited 4WD $3,564 $1,782 $297
Ford Explorer Eddie Bauer 4WD $4,002 $2,001 $334
GMC Acadia SLT 2WD $3,962 $1,981 $330
Honda CR-V EX-L 4WD $3,382 $1,691 $282
Honda Fit Sport VSA $3,242 $1,621 $270
Honda Pilot EX-L 4WD $4,002 $2,001 $334
Jeep Grand Cherokee Laredo 4WD $3,962 $1,981 $330
Jeep Patriot Sport 4WD $3,742 $1,871 $312
Jeep Wrangler Rubicon 4WD 2-Dr $3,780 $1,890 $315
Nissan Pathfinder LE 2WD $4,002 $2,001 $334
Toyota 4Runner Trail Edition 4WD $3,822 $1,911 $319
Toyota Highlander 2WD $3,780 $1,890 $315
Toyota RAV4 Limited 4WD $3,962 $1,981 $330
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Data assumes married female driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle location which can modify coverage rates greatly.

Auto Insurance Rates for Popular Pickup Trucks in Rhode Island
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $4,438 $2,219 $370
Chevrolet Silverado Crew Cab Hybrid 2WD $4,362 $2,181 $364
Dodge Ram 2500 Mega Cab SLT 4WD $4,564 $2,282 $380
Dodge Ram Quad Cab TRX4 Off Road 2WD $4,346 $2,173 $362
Ford F-150 XLT Crew Cab 4WD $4,002 $2,001 $334
Ford F-250 XL Super Cab Cabela Turbo Diesel 2WD $4,744 $2,372 $395
GMC Canyon SLT Ext Cab 4WD $4,002 $2,001 $334
GMC Sierra 2500HD SLE Crew Cab 4WD $4,182 $2,091 $349
GMC Sierra SLT Extended Cab 4WD $4,182 $2,091 $349
Toyota Tundra Limited Crew MAX 4WD $4,564 $2,282 $380
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Data variables include married female driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Estimates do not factor in zip code location which can affect premium rates noticeably.

Deciphering which company quotes the cheapest auto insurance rates for high risk drivers will involve more work in order to find a policy that fits your budget.

Every insurance provider has a unique formula to determine rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Rhode Island.

Find Cheaper Auto Insurance for Risky Drivers

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Cheapest insurance companies in Rhode Island
Rank Company Cost Per Year
1 USAA $705
2 State Farm $1,095
3 Travelers $1,209
4 Progressive $1,499
5 Amica $1,512
6 Quincy Mutual $1,579
7 Peerless $1,768
8 National Grange Mutual $2,114
9 GEICO $2,517
10 MetLife $2,580
11 Nationwide $2,707
12 Encompass $2,899
13 California Casualty $2,937
14 Liberty Mutual $2,983
15 Allstate $3,027
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USAA offers some of the cheapest car insurance rates in Rhode Island at around $705 annually. State Farm, Travelers, Progressive, and Amica also make the cut as some of the best Rhode Island car insurance companies.

As depicted above, if you buy coverage from Progressive and switched to USAA, you might see an annual premium reduction of in the vicinity of $794. Drivers with Amica might save as much as $807 a year, and Quincy Mutual customers might cut rates by $874 a year.

To get a quick, customized rate comparison, click here to get a free quote or quote rates from the companies below.

These policy prices are averages for all drivers and vehicles in Rhode Island and and are not calculated with a price increase for high risk drivers. So the insurer that fits your needs best may not even be featured in the list of companies above. That is why you need to compare as many prices as possible using your own specific driver information and vehicle.

Discounts on Rhode Island auto insurance rates

Save on auto insurance for high risk drivers in Rhode IslandInsurance providers that sell the cheapest auto insurance for high risk drivers in Rhode Island may also give you discounts that could lower prices by 40% or more if you are eligible for them. A few of the larger companies and a summarized list of policyholder discounts are detailed below.

Auto Insurance Discounts Available by Company
Discount State Farm Progressive Allstate Geico Liberty Mutual
Multi-policy Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes No Yes Yes
Theft prevention Yes Yes Yes Yes Yes
Anti-lock brakes Yes No Yes Yes Yes
Air bags Yes No Yes Yes Yes
Running lights Yes No No Yes No
New car Yes No Yes No No
Green vehicle No No Yes No Yes
No accidents Yes Yes Yes Yes No
Defensive driving course Yes Yes Yes Yes No
Armed forces Yes Yes No Yes No
Employment No No No Yes Yes
Paid in full No Yes Yes Yes Yes
Auto-pay No Yes Yes Yes Yes
Brand loyalty Yes Yes No No No
Good student Yes Yes Yes Yes Yes
Student at college Yes Yes Yes No Yes
Own a home No Yes No No No
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The diagram below compares car insurance rates with and without discounts applied to the policy premium. The premiums assume a female driver, three violations and one accident, Rhode Island state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, homeowner, multiple policy, passive restraint, anti-theft, and multiple vehicle discounts applied. When discounts are applied, the the average amount saved on auto insurance for high risk drivers is 33% or $504.

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Selecting a good quality car insurance company is difficult considering how many companies provide coverage in Rhode Island. The rank data below could help you analyze which auto insurance companies you want to consider when buying insurance for high risk drivers. These ratings are for companies that write coverage in many states, so smaller companies will not be included in the list.

Top 10 Large Car Insurance Companies in Rhode Island Ranked by Value

  1. The General
  2. The Hartford
  3. Farmers Insurance
  4. Safeco Insurance
  5. AAA Insurance
  6. 21st Century
  7. Travelers
  8. State Farm
  9. Progressive
  10. American Family

How to get the cheapest auto insurance for high risk drivers in Rhode Island

Below you’ll find some of the recommended penny-pinching suggestions that can help Rhode Island drivers locate lower-cost coverage.

  • Remove physical damage coverage on older vehicles
  • Buy a vehicle with excellent safety ratings
  • Buying home and auto together can help save money
  • Accident-free drivers may qualify for discounts
  • Pay lower rates with good credit
  • Compare quotes from other companies often

The last tip in the list is extraordinarily critical, as we discussed in the prior article. Prices charged by companies change constantly, so you should be ready to switch companies if a lower-cost policy is available. We understand brand loyalty, but we do not recommend it if that stubbornness costs you hundreds of dollars a year. In just a couple of minutes you could shop around and find cheaper insurance for high risk drivers.