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Finding the cheapest car insurance quotes in Foster 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 Foster
The car insurance rate in Foster is $1183 for a six-month policy, which is $77 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $636, making it a popular choice for budget-conscious drivers. Rates in Foster 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 $636 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 $705 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $839
for six months, making it
the third cheapest auto insurance company in Foster.
Foster Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Foster, RI is American Family, offering policies at just $636 for a six-month term. This is followed by State Farm, which has an average six-month premium of $705.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2320 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Foster drivers find the best deals.
The auto insurance costs in Foster fall around $636 for six
months.
The cheapest auto insurance company in Foster is American Family.
Teen drivers pay the highest rate in Foster at $1279 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Foster
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 Foster are given below.
American Family provides
the cheapest minimum car insurance
coverage in Foster. Their Average 6 Month Premium is $266.
Farmers is the most
expensive at $852 for the same
period.
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 Foster is American Family
at $108 per month and $636
for six months.
Cheapest Full Coverage Car Insurance Quotes in Foster,
RI
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 Foster, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Foster, 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, Foster's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Foster
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
Foster,RI
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Foster at $59
per
month. At $7672 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 Foster.
As young drivers face the highest rates in Foster, 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 Foster,
Amica Mutual is
the cheapest car insurance provider. At $413 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
Foster is Farmers, offering
rates of around $5046 for six
months.
Save up to $971/yr on car insurance rates in Foster.
Car Insurance Rates with An Accident in Foster
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 Foster, RI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Foster
The cheapest car insurance companies after an at-fault accident in
Foster include American Family
and Quincy Mutual, offering $266
and $464,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3013.
Here is a list of driving violations that can increase your car
insurance rates in Foster RI. For example, the car
insurance in Foster
after a DUI increases to $1291 for a six
month policy. While the rate increases by $305 for a six-month policy in the case of
a speeding ticket.
Foster auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1398
$233
Not-at-fault accident
$1418
$241
One comp claim
$1436
$240
Two comp claims
$1455
$247
One Med/PIP claim
$1462
$244
At-fault accident - $1000-$2000
$1474
$250
At-fault accident - greater than $2000
$1474
$246
At-fault accident - less than $1000
$1474
$250
Two Med/PIP claims
$1494
$249
Failure to wear a seat belt
$1627
$277
Failure to show documents
$1652
$275
Child safety restraint
$1671
$285
Driving without lights
$1671
$278
Driving with expired registration
$1697
$289
Speeding 6 - 10 MPH over limit
$1703
$284
Driving too slowly
$1716
$292
Speeding in school zone
$1716
$286
Failure to stop at a red light
$1729
$294
Speeding 11 - 15 MPH over limit
$1736
$289
Speeding 16 - 20 MPH over limit
$1736
$295
Failure to yield
$1748
$291
Following too closely
$1748
$297
Illegal turn
$1748
$291
Wrong way/wrong lane
$1748
$297
Improper passing
$1760
$293
Speeding 21 - 25 MPH over limit
$1786
$304
Cell phone violation
$1792
$299
Texting while driving
$1792
$305
Passing school bus
$1824
$304
In 65 MPH zone
$1868
$318
Operating a vehicle without permission
$1868
$311
Open container
$2047
$348
Reckless driving
$2504
$417
Refusal to submit to a chemical test
$2542
$432
Driving with a suspended license
$2574
$429
Racing
$2594
$441
DUI
$2689
$448
Leaving scene of an accident/hit and run
$2778
$472
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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 Foster 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 Foster.
The cheapest car insurance premiums in
Foster are
offered by American Family at $407 for a six-month policy.
However, it can be as
expensive as $5562 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 Foster are offered by State Farm
at $266. However,
it can be as expensive as $2726
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Foster after Speeding ticket
Car Insurance Price Trends in Foster,
Rhode Island
Car insurance rates in Foster have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Foster remained steady at $316 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Foster remained steady at $76 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Foster. At $2366 for a
six-month policy, insuring
your car at 2825 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 Foster?
The car insurance in Foster is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Foster?
The cheapest car insurance in Foster
is $108 per month
for full coverage.
How much is car insurance in Foster for teenagers?
Car insurance for teenagers costs $343 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
Foster?
The average cost of car insurance is $1106 for a six-month
policy. It will cost around $199 per month to insure your
car in Foster.
Is car insurance expensive in Foster?
Car insurance can be expensive in Foster if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Foster can be
affordable.
What is the best car insurance in Foster,
RI?
The best car insurance company in Foster
RI is
American Family, offering $636 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Foster, RI
Car Insurance Rates by State in the USA (2025 Update)
Foster Car Insurance
