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Finding the cheapest car insurance quotes in Cumberland shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. 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.
Table of Contents
How Much Is Car Insurance in Cumberland
The car insurance rate in Cumberland is $1150 for a six-month policy, which is $44 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $618, making it a popular choice for budget-conscious drivers. Rates in Cumberland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $618 for a six
month policy, American Family offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $685 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $815
for six months, making it
the third cheapest auto insurance company in Cumberland.
Cumberland Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cumberland, RI is American Family, offering policies at just $618 for a six-month term. This is followed by State Farm, which has an average six-month premium of $685.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2255 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cumberland drivers find the best deals.
Way's key takeaways about car insurance in Cumberland
The auto insurance costs in Cumberland fall around $618 for six
months.
The cheapest auto insurance company in Cumberland is American Family.
Teen drivers pay the highest rate in Cumberland at $1243 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cumberland
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Cumberland are given below.
American Family provides
the cheapest minimum car insurance
coverage in Cumberland. Their Average 6 Month Premium is $259.
Farmers is the most
expensive at $828 for the same
period.
Cheapest Full Coverage Car Insurance in Cumberland
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Cumberland is American Family
at $105 per month and $618
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cumberland,
RI
Get Your Car Insurance Quote in Cumberland
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Average Car Insurance in Cumberland by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Cumberland, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cumberland, Rhode Island, may be increasing due to several external factors.
Rhode Island has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Cumberland's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cumberland
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Cumberland,RI
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Cumberland at $57
per
month. At $7457 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Cumberland.
As young drivers face the highest rates in Cumberland, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Cumberland,
Amica Mutual is
the cheapest car insurance provider. At $401 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Cumberland is Farmers, offering
rates of around $4905 for six
months.
Save up to $971/yr on car insurance rates in Cumberland.
Car Insurance Rates with An Accident in Cumberland
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Cumberland, RI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cumberland
The cheapest car insurance companies after an at-fault accident in
Cumberland include American Family
and Quincy Mutual, offering $259
and $451,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2929.
Here is a list of driving violations that can increase your car
insurance rates in Cumberland RI. For example, the car
insurance in Cumberland
after a DUI increases to $1255 for a six
month policy. While the rate increases by $297 for a six-month policy in the case of
a speeding ticket.
Cumberland auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1359
$227
Not-at-fault accident
$1378
$234
One comp claim
$1396
$233
Two comp claims
$1414
$240
One Med/PIP claim
$1421
$237
At-fault accident - $1000-$2000
$1433
$243
At-fault accident - greater than $2000
$1433
$239
At-fault accident - less than $1000
$1433
$243
Two Med/PIP claims
$1452
$242
Failure to wear a seat belt
$1582
$269
Failure to show documents
$1606
$267
Child safety restraint
$1624
$277
Driving without lights
$1624
$270
Driving with expired registration
$1649
$281
Speeding 6 - 10 MPH over limit
$1656
$276
Driving too slowly
$1668
$284
Speeding in school zone
$1668
$278
Failure to stop at a red light
$1681
$286
Speeding 11 - 15 MPH over limit
$1687
$281
Speeding 16 - 20 MPH over limit
$1687
$287
Failure to yield
$1699
$283
Following too closely
$1699
$289
Illegal turn
$1699
$283
Wrong way/wrong lane
$1699
$289
Improper passing
$1711
$285
Speeding 21 - 25 MPH over limit
$1736
$295
Cell phone violation
$1742
$290
Texting while driving
$1742
$296
Passing school bus
$1773
$295
In 65 MPH zone
$1816
$309
Operating a vehicle without permission
$1816
$303
Open container
$1990
$338
Reckless driving
$2434
$406
Refusal to submit to a chemical test
$2471
$420
Driving with a suspended license
$2502
$417
Racing
$2521
$428
DUI
$2614
$436
Leaving scene of an accident/hit and run
$2700
$459
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Cumberland after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Cumberland.
The cheapest car insurance premiums in
Cumberland are
offered by American Family at $395 for a six-month policy.
However, it can be as
expensive as $5406 with companies
like Amica.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Cumberland are offered by State Farm
at $259. However,
it can be as expensive as $2650
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Cumberland after Speeding ticket
Car Insurance Price Trends in Cumberland,
Rhode Island
Car insurance rates in Cumberland have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cumberland remained steady at $307 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Cumberland remained steady at $74 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Cumberland by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cumberland. At $2300 for a
six-month policy, insuring
your car at 2864 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cumberland?
The car insurance in Cumberland is $44 per month, which is lower than the national average.
What is the cheapest car insurance in Cumberland?
The cheapest car insurance in Cumberland
is $105 per month
for full coverage.
How much is car insurance in Cumberland for teenagers?
Car insurance for teenagers costs $334 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Cumberland?
The average cost of car insurance is $1106 for a six-month
policy. It will cost around $193 per month to insure your
car in Cumberland.
Is car insurance expensive in Cumberland?
Car insurance can be expensive in Cumberland if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cumberland can be
affordable.
What is the best car insurance in Cumberland,
RI?
The best car insurance company in Cumberland
RI is
American Family, offering $618 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cumberland, RI
Car Insurance Rates by State in the USA (2025 Update)
Cumberland Car Insurance
