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Key Takeaways

  • Single-car drivers in Cranston pay an average of $2487 annually for auto insurance.
  • As a result, auto insurance in Cranston is 63% more expensive than the state's $1206 yearly average.

How much does car insurance cost in Cranston?

Are you curious about the average insurance premium in Cranston? Resident drivers pay an average annual rate of $2487 based on rates provided by our in-house experts from the nation's largest insurers.

Cranston Average (annual) Rhode Island Average National Average
$2487 $1206 $1557

Auto Insurance Premiums by Company in Cranston

Car insurance companies will offer different rates than others based on various factors, so it's important to compare because you may get a better deal from one insurer over another for various reasons.

According to our data, USAA offers the most affordable auto insurance in Cranston, costing approximately $1188 annually. See the complete list below.

Way.com has ranked the following insurance companies as the best for drivers in Cranston.

Insurance Company Average Rate (annual)
USAA $1188
State Farm $1260
Travelers $2268
Quincy Mutual $2520

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Auto Insurance Premium by Age in Cranston

The younger and older you are, the higher your auto insurance premiums are. Teens and young adults in Cranston typically pay around $4932 annually. In comparison, drivers in their 30s pay approximately $1620 per year, while drivers in their 60s pay $1440 per year.

Always be on the lookout for discounts that apply regardless of age.

Age tier Average Yearly Rate
20s $2664
30s $1620
60s $1440

Auto Insurance Premium by Zip Code in Cranston

Every insurer has different rates for each zip code. Your zip code determines the crime rate and other risks in your area.

The table below illustrates the variance of average rates in Cranston. If you reside in a high-crime area, you can protect your vehicle by parking it in a secure garage. That should help you save money.

Covered structures with gates are preferable. Ensure that you inform your insurance agent of the precautions you are taking.

Zip Code Annual Premiums
2831 $1080
2905 $2448
2909 $1296
2910 $1980
2920 $1836
2921 $1848

What would increase your car insurance rate in Cranston?

Several factors determine the base auto insurance prices in Cranston. Your insurance costs might be greatly influenced by the town you reside in. Here are a few regional causes behind Cranston's high insurance costs:

The scale of Cranston city

The second-largest city in Rhode Island is called Cranston. Urban areas and larger towns have higher insurance costs than rural or sparser locations.

Unusual Weather Conditions

There is a greater likelihood that a weather-related event will harm your car when extreme weather events increase. Additionally, road conditions are made worse by snowfall or severe rain, increasing the risk of crashes.

Uninsured Drivers

Your likelihood of colliding with an uninsured motorist is fairly significant, with 15% of Rhode Island drivers operating vehicles without the required insurance. This increases the burden on your insurance provider, which raises premiums.

Auto theft statistics in Cranston

Auto theft statistics in Cranston

Comparable, cities in Rhode Island all have lower crime rates than Cranston. @In contrast, Cranston saw 85 auto thefts in 2019—or 104 per 100,000 residents.

Accidents Statistics in Cranston

Even while car accidents are a regrettably inevitable part of the time spent driving, accident rates differ from city to city and state. Compared to all Rhode Island communities, drivers in Cranston had the fourth-highest rate of car accidents per driver.

  • Rank within the state: #4
  • Percent of drivers in Cranston with an accident: 12.38%

In Cranston, Rhode Island, motorists who have experienced accidents typically pay 61.65% more than those with a spotless driving record.

Auto insurance in Cranston: Minimum insurance requirement in Rhode Island

All cars used on Cranston roads or parked there must be insured. You must always have proof of insurance with you in your car and be able to provide it when:

  • Requested by law enforcement
  • Renewing car registration
  • The car is involved in an accident

In Rhode Island, private passenger cars are required to carry the following minimum levels of liability insurance:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

The above coverages are a crucial component of your liability insurance and pays for the medical costs associated with accident-related injuries to individuals other than the policyholder.

As Rhode Island is an at-fault state, the driver who caused the collision is also liable for covering any related costs, either through their auto insurance company or personally.

$25,000 for property damage per accident: This coverage covers the cost of repairing the property of the other parties involved in an accident, even if it is ruled that one of the drivers is at fault. Additionally, if the insured driver is named in a subsequent lawsuit, property damage coverage may pay the associated legal fees.

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Driving Tips in Cranston

Single-car drivers in Cranston pay an average of $2487 annually for auto insurance. As a result, auto insurance in Cranston is 63% more expensive than the state's $1206 yearly average.

  • Drive carefully: When driving on snow or ice, you should always reduce your speed to consider the decreased traction.
  • Change your speed slowly: Gradually increase the gas to regain traction and prevent skids. Avoid trying to accelerate quickly and allow yourself enough time to slow down at stoplights. Keep in mind that slowing down on ice roads takes more time.
  • Increasing the distance you follow: Your car should have a following distance of five to six seconds from any car in front of you. If the other motorist brakes unexpectedly, you'll have enough time to stop safely, thanks to this distance.
  • Recognize your brakes: Whether you have anti-lock brakes, keep your foot firmly planted on the floor when you press down on the brake pedal with your ball. Avoid applying the brakes.
  • If you can prevent it, don't stop: The amount of inertia required to begin moving from a complete stop versus the amount required to begin moving while still rolling differs significantly. If you can slow down sufficiently, continue moving until a traffic light changes.
  • Do not race up slopes: Adding more gas makes your wheels spin on snow-covered roads. Before you get to the hill, try to generate some inertia, and then let that inertia take you to the summit. Reduce your speed near the top of the slope and move more slowly as you descend.
  • Never stop climbing a hill: Nothing is worse than attempting to move forward up a hill on an ice road. First, however, gaining momentum on a level surface before tackling the hill.

Additionally, it's advised that drivers keep an emergency kit in their vehicles at all times, especially during the winter.

An adequate emergency supply kit should include:

  • First-aid kit, mobile phone, and car charger
  • Blankets
  • Water and refreshments for all passengers, including animals
  • Additional batteries for a flashlight
  • Paper towels, rags, or moistened wipes
  • Basic toolbox with duct tape and alerting equipment like flares or reflectors
  • Snow brush and ice scraper
  • Jump packs and cables
  • Sand, salt, or non-clumping cat litter are traction aids.
  • Tarp, an umbrella, and gloves
  • Shovel

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

How to get the cheapest car insurance in Cranston, RI?

If you're looking for affordable auto insurance in Cranston, you'll want to compare quotes from multiple providers. Log on to Way.com App to get the best insurance coverage for yourself.

Who offers the cheapest car insurance rates in Cranston?

According to our data, USAA offers the most affordable auto insurance in Cranston, costing approximately $1188 annually. If you are from a non-military background then State Farm could be your best option.

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Learn more by city and state for car insurance




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