We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in East Providence 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 East Providence
The car insurance rate in East Providence is $1250 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $671, making it a popular choice for budget-conscious drivers. Rates in East Providence 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.
Cheapest Car Insurance Companies in East Providence
1st place: American Family
At $671 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 $745 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $886
for six months, making it
the third cheapest auto insurance company in East Providence.
East Providence Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in East Providence, RI is American Family, offering policies at just $671 for a six-month term. This is followed by State Farm, which has an average six-month premium of $745.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2450 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Providence drivers find the best deals.
Cheap Car Insurance Companies in East Providence, RI
Way's key takeaways about car insurance in East Providence
The auto insurance costs in East Providence fall around $671 for six
months.
The cheapest auto insurance company in East Providence is American Family.
Teen drivers pay the highest rate in East Providence at $1350 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 East Providence
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 East Providence are given below.
American Family provides
the cheapest minimum car insurance
coverage in East Providence. Their Average 6 Month Premium is $281.
Farmers is the most
expensive at $899 for the same
period.
Cheapest Liability Coverage in East Providence, RI
Cheapest Full Coverage Car Insurance in East Providence
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 East Providence is American Family
at $114 per month and $671
for six months.
Cheapest Full Coverage Car Insurance Quotes in East Providence,
RI
Get Your Car Insurance Quote in East Providence
Instantly!
Average Car Insurance in East Providence 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 East Providence, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in East Providence, 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, East Providence's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in East Providence
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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
East Providence,RI
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the East Providence at $62
per
month. At $8102 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 East Providence.
As young drivers face the highest rates in East Providence, 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 East Providence,
Amica Mutual is
the cheapest car insurance provider. At $436 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
East Providence is Farmers, offering
rates of around $5329 for six
months.
Save up to $971/yr on car insurance rates in East Providence.
Car Insurance Rates with An Accident in East Providence
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 East Providence, RI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in East Providence
The cheapest car insurance companies after an at-fault accident in
East Providence include American Family
and Quincy Mutual, offering $281
and $490,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3182.
Here is a list of driving violations that can increase your car
insurance rates in East Providence RI. For example, the car
insurance in East Providence
after a DUI increases to $1363 for a six
month policy. While the rate increases by $322 for a six-month policy in the case of
a speeding ticket.
East Providence auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1477
$246
Not-at-fault accident
$1497
$254
One comp claim
$1516
$253
Two comp claims
$1537
$261
One Med/PIP claim
$1544
$258
At-fault accident - $1000-$2000
$1557
$264
At-fault accident - greater than $2000
$1557
$260
At-fault accident - less than $1000
$1557
$264
Two Med/PIP claims
$1577
$263
Failure to wear a seat belt
$1719
$293
Failure to show documents
$1745
$290
Child safety restraint
$1765
$301
Driving without lights
$1765
$294
Driving with expired registration
$1792
$305
Speeding 6 - 10 MPH over limit
$1799
$299
Driving too slowly
$1813
$308
Speeding in school zone
$1813
$302
Failure to stop at a red light
$1826
$311
Speeding 11 - 15 MPH over limit
$1833
$305
Speeding 16 - 20 MPH over limit
$1833
$312
Failure to yield
$1846
$307
Following too closely
$1846
$314
Illegal turn
$1846
$307
Wrong way/wrong lane
$1846
$314
Improper passing
$1859
$310
Speeding 21 - 25 MPH over limit
$1886
$321
Cell phone violation
$1893
$315
Texting while driving
$1893
$322
Passing school bus
$1927
$321
In 65 MPH zone
$1973
$336
Operating a vehicle without permission
$1973
$329
Open container
$2162
$367
Reckless driving
$2644
$441
Refusal to submit to a chemical test
$2685
$457
Driving with a suspended license
$2719
$453
Racing
$2739
$466
DUI
$2840
$473
Leaving scene of an accident/hit and run
$2933
$498
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 East Providence 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 East Providence.
The cheapest car insurance premiums in
East Providence are
offered by American Family at $429 for a six-month policy.
However, it can be as
expensive as $5874 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 East Providence are offered by State Farm
at $281. However,
it can be as expensive as $2879
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in East Providence after Speeding ticket
Car Insurance Price Trends in East Providence,
Rhode Island
Car insurance rates in East Providence have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the East Providence remained steady at $333 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the East Providence remained steady at $80 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in East Providence 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
East Providence. At $2499 for a
six-month policy, insuring
your car at 2914 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in East Providence?
The car insurance in East Providence is $47 per month, which is lower than the national average.
What is the cheapest car insurance in East Providence?
The cheapest car insurance in East Providence
is $114 per month
for full coverage.
How much is car insurance in East Providence for teenagers?
Car insurance for teenagers costs $363 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
East Providence?
The average cost of car insurance is $1106 for a six-month
policy. It will cost around $210 per month to insure your
car in East Providence.
Is car insurance expensive in East Providence?
Car insurance can be expensive in East Providence if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in East Providence can be
affordable.
What is the best car insurance in East Providence,
RI?
The best car insurance company in East Providence
RI is
American Family, offering $671 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in East Providence right now.
Find Car Insurance Rates in Cities Near East Providence, RI
East Providence Car Insurance
