Your residential location plays a role in your ability to find cheap car insurance in Providence because auto insurers consider your ZIP code when calculating your premium, among other factors. To get precise car insurance quotes in Providence, you should get personalized estimates based on your specific requirements.
Compare the Cheapest Car Insurance Quotes in Providence, RI
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Average Cost of Car Insurance in Providence
Providence$1,822
RI$1,822
U.S.$1,424
In Providence, the average yearly car insurance rate is $1,822. This rate is the same as the Rhode Island average and 27.9% more than the national average of $1,424 per year.
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The Best Cheap Car Insurance Companies in Providence
In Providence, the most affordable car insurance provider on average is State Farm. Their typical rates are more than three times cheaper than MetLife, the city’s costliest auto insurance company.
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- CompanyAmountper year
- 1. State Farm$790
- 2. USAA$899
- 3. Amica Mutual$1,429
- 4. Travelers$1,443
- 5. Progressive$1,742
Personalized Quotes to Get You the Cheapest Car Insurance in Providence
To determine car insurance quotes in Providence, providers analyze multiple factors including your age and gender, credit score, driving history and more. For example, in Providence, State Farm’s average policy for an 18-year-old driver is triple the cost of similar coverage for a 40-year-old driver. It’s a wise idea to regularly get a personalized quote so you can find cheap coverage as your situations change.
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Cheapest Car Insurance in Providence by Coverage Amount
How much car insurance coverage you purchase in Providence also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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Rhode Island Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Car insurance companies prepare plans that indicate the limits for each level and type of coverage. In Providence, State Farm offers both liability-only and full-coverage plans within 50/100/50 limits. These restrictions mean the policy covers $50,000 of medical bills per person, totaling $100,000 per vehicle, as well as $50,000 of property damage repair. The full-coverage plan also covers your own costs — therefore, its average rate is $221 higher than a liability-only package from the same company.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. State Farm$430$494
- 2. USAA$439$487
- 3. Amica Mutual$697$816
- 4. Travelers$962$1,027
- 5. Progressive$1,022$1,142
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. State Farm$715$790
- 2. USAA$853$899
- 3. Amica Mutual$1,308$1,429
- 4. Travelers$1,471$1,443
- 5. Progressive$1,548$1,742
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Cheapest Car Insurance in Providence if You Have Tickets
A speeding ticket or other violation on your driving record can increase your car insurance premium. For example, Travelers policyholders in Providence with a speeding ticket need to pay an average of $323 more annually for their coverage. Similarly, Travelers customers with a DUI on their record need to pay around $846 more per year for their car insurance compared to those with a clean driving record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. State Farm$790$1,076$790
- 2. USAA$1,038$1,294$1,972
- 3. Travelers$1,765$1,508$2,289
- 4. Nationwide$1,936$1,936$3,437
- 5. Allstate$2,164$2,566$2,658
Average Cost of Car Insurance by Postal Code
Your neighborhood in Providence, Rhode Island, also plays a role in the cost of your car insurance premium. This is because localities with higher numbers of accidents, car-theft incidents and uninsured drivers are more expensive for insurers. In Providence, ZIP code 02904 has the cheapest average annual premium at $1,658, which is $280 less than the typical rate in ZIP code 02909.
- Zip CodeState Minimumper year
- 02904$1,658
- 02908$1,870
- 02909$1,938
Insurance Providers That Serve Providence
Factors That Impact Insurance Costs in Providence
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Providence. How Providence ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Providence could save you $1,031, which is enough to buy:
344Cups of Coffee
79Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Providence are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Providence
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