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Hope Car Insurance
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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.
The car insurance rate in Hope is $1194 for a six-month policy, which is $88 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $642, making it a popular choice for budget-conscious drivers. Rates in Hope 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 $642 for a six month policy, American Family offers the cheapest auto insurance rates in the city.
State Farm offers auto insurance rates at $712 for a six-month policy, making it one of the cheapest to insure with.
Travelers offers auto insurance rates at $847 for six months, making it the third cheapest auto insurance company in Hope.
Based on our research, the cheapest car insurance company in Hope, RI is American Family, offering policies at just $642 for a six-month term. This is followed by State Farm, which has an average six-month premium of $712.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2341 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hope drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $642 | $109 |
| State Farm | $712 | $120 |
| Travelers | $847 | $143 |
| Amica Mutual | $866 | $146 |
| USAA | $879 | $148 |
| Progressive | $1231 | $207 |
| Amica | $1302 | $219 |
| Nationwide | $1456 | $245 |
| Allstate | $1674 | $285 |
| Farmers | $2341 | $390 |
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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 Hope are given below.
American Family provides the cheapest minimum car insurance coverage in Hope. Their Average 6 Month Premium is $269. Farmers is the most expensive at $860 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $269 | $45 |
| State Farm | $308 | $52 |
| USAA | $314 | $53 |
| Travelers | $327 | $55 |
| Amica Mutual | $347 | $58 |
| Amica | $456 | $77 |
| Quincy Mutual | $475 | $80 |
| Progressive | $532 | $90 |
| Nationwide | $808 | $136 |
| Allstate | $847 | $141 |
| Farmers | $860 | $146 |
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 Hope is American Family at $109 per month and $642 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $642 | $109 |
| State Farm | $712 | $120 |
| Travelers | $847 | $143 |
| Amica Mutual | $866 | $146 |
| USAA | $879 | $148 |
| Progressive | $1231 | $207 |
| Amica | $1302 | $219 |
| Nationwide | $1456 | $245 |
| Allstate | $1674 | $285 |
| Farmers | $2341 | $390 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Hope, 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, Hope's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Hope at $59 per month. At $7744 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $347 | $59 |
| State Farm | $1558 | $262 |
| USAA | $1835 | $309 |
| Allstate | $2457 | $414 |
| Amica Mutual | $2489 | $419 |
| Amica | $3849 | $648 |
| Travelers | $4619 | $778 |
| Progressive | $5196 | $875 |
| Nationwide | $5793 | $975 |
| Farmers | $7744 | $1291 |
Teen Car Insurance Rates in RI by Age
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.
For those with poor credit scores in Hope, Amica Mutual is the cheapest car insurance provider. At $417 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 Hope is Farmers, offering rates of around $5093 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Amica Mutual | $417 | $71 |
| State Farm | $558 | $93 |
| American Family | $642 | $109 |
| Travelers | $1405 | $237 |
| Progressive | $1418 | $239 |
| USAA | $1488 | $248 |
| Amica | $2341 | $399 |
| Nationwide | $2996 | $499 |
| Allstate | $3118 | $530 |
| Farmers | $5093 | $849 |
Save up to $971/yr on car insurance rates in Hope.
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 Hope, RI, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Hope include American Family and Quincy Mutual, offering $269 and $469, respectively. Farmers is an expensive provider with an average six-month premium of $3041.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $269 | $45 |
| Quincy Mutual | $469 | $80 |
| USAA | $565 | $95 |
| State Farm | $578 | $97 |
| Amica Mutual | $667 | $112 |
| Travelers | $667 | $112 |
| Amica | $1104 | $186 |
| Progressive | $1244 | $210 |
| Allstate | $1340 | $226 |
| Nationwide | $2085 | $351 |
| Farmers | $3041 | $507 |
Here is a list of driving violations that can increase your car insurance rates in Hope RI. For example, the car insurance in Hope after a DUI increases to $1302 for a six month policy. While the rate increases by $307 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1412 | $235 |
| Not-at-fault accident | $1431 | $243 |
| One comp claim | $1449 | $242 |
| Two comp claims | $1469 | $249 |
| One Med/PIP claim | $1475 | $246 |
| At-fault accident - $1000-$2000 | $1488 | $253 |
| At-fault accident - greater than $2000 | $1488 | $248 |
| At-fault accident - less than $1000 | $1488 | $253 |
| Two Med/PIP claims | $1508 | $252 |
| Failure to wear a seat belt | $1643 | $280 |
| Failure to show documents | $1668 | $278 |
| Child safety restraint | $1687 | $287 |
| Driving without lights | $1687 | $281 |
| Driving with expired registration | $1713 | $292 |
| Speeding 6 - 10 MPH over limit | $1719 | $286 |
| Driving too slowly | $1732 | $295 |
| Speeding in school zone | $1732 | $288 |
| Failure to stop at a red light | $1745 | $297 |
| Speeding 11 - 15 MPH over limit | $1752 | $292 |
| Speeding 16 - 20 MPH over limit | $1752 | $298 |
| Failure to yield | $1765 | $294 |
| Following too closely | $1765 | $300 |
| Illegal turn | $1765 | $294 |
| Wrong way/wrong lane | $1765 | $300 |
| Improper passing | $1777 | $296 |
| Speeding 21 - 25 MPH over limit | $1803 | $307 |
| Cell phone violation | $1809 | $301 |
| Texting while driving | $1809 | $308 |
| Passing school bus | $1841 | $307 |
| In 65 MPH zone | $1886 | $321 |
| Operating a vehicle without permission | $1886 | $314 |
| Open container | $2066 | $351 |
| Reckless driving | $2527 | $421 |
| Refusal to submit to a chemical test | $2566 | $436 |
| Driving with a suspended license | $2598 | $433 |
| Racing | $2618 | $445 |
| DUI | $2714 | $453 |
| Leaving scene of an accident/hit and run | $2804 | $476 |
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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.
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 Hope.
The cheapest car insurance premiums in Hope are offered by American Family at $410 for a six-month policy. However, it can be as expensive as $5614 with companies like Amica.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $410 | $70 |
| State Farm | $578 | $97 |
| Travelers | $1117 | $188 |
| Progressive | $1155 | $194 |
| USAA | $1167 | $197 |
| Allstate | $1373 | $231 |
| Farmers | $2636 | $444 |
| Nationwide | $3297 | $555 |
| Amica Mutual | $4176 | $711 |
| Amica | $5614 | $935 |
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 Hope are offered by State Farm at $269. However, it can be as expensive as $2752 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $269 | $45 |
| Amica Mutual | $353 | $58 |
| American Family | $410 | $70 |
| USAA | $821 | $137 |
| Progressive | $1104 | $186 |
| Travelers | $1104 | $186 |
| Amica | $1591 | $270 |
| Allstate | $2091 | $349 |
| Nationwide | $2169 | $368 |
| Farmers | $2752 | $459 |
Car insurance rates in Hope have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hope remained steady at $319 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Hope remained steady at $77 in both December and November, indicating no change over the two month period.
How much is car insurance in Hope?
The car insurance in Hope is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Hope?
The cheapest car insurance in Hope is $109 per month for full coverage.
How much is car insurance in Hope for teenagers?
Car insurance for teenagers costs $347 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 Hope?
The average cost of car insurance is $1106 for a six-month policy. It will cost around $201 per month to insure your car in Hope.
Is car insurance expensive in Hope?
Car insurance can be expensive in Hope if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hope can be affordable.
What is the best car insurance in Hope, RI?
The best car insurance company in Hope RI is American Family, offering $642 for a six-month policy.
Cut auto insurance costs in Hope right now.