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Finding the cheapest car insurance quotes in Hope Valley 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 Hope Valley
The car insurance rate in Hope Valley is $1050 for a six-month policy, which is $171 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $511, making it a popular choice for budget-conscious drivers. Rates in Hope Valley 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 $511 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 $567 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Amica Mutual
Amica Mutual offers auto insurance
rates at $690
for six months, making it
the third cheapest auto insurance company in Hope Valley.
Hope Valley Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hope Valley, RI is American Family, offering policies at just $511 for a six-month term. This is followed by State Farm, which has an average six-month premium of $567.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2263 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hope Valley drivers find the best deals.
Way's key takeaways about car insurance in Hope Valley
The auto insurance costs in Hope Valley fall around $511 for six
months.
The cheapest auto insurance company in Hope Valley is American Family.
Teen drivers pay the highest rate in Hope Valley at $1240 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 Hope Valley
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 Valley are given below.
American Family provides
the cheapest minimum car insurance
coverage in Hope Valley. Their Average 6 Month Premium is $214.
Farmers is the most
expensive at $802 for the same
period.
Cheapest Full Coverage Car Insurance in Hope Valley
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 Valley is American Family
at $87 per month and $511
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hope Valley,
RI
Get Your Car Insurance Quote in Hope Valley
Instantly!
Average Car Insurance in Hope Valley 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 Hope Valley, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hope Valley, 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 Valley's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hope Valley
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
Hope Valley,RI
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Hope Valley at $47
per
month. At $7443 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 Hope Valley.
As young drivers face the highest rates in Hope Valley, 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 Hope Valley,
Amica Mutual is
the cheapest car insurance provider. At $332 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 Valley is Farmers, offering
rates of around $4909 for six
months.
Save up to $971/yr on car insurance rates in Hope Valley.
Car Insurance Rates with An Accident in Hope Valley
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 Valley, RI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hope Valley
The cheapest car insurance companies after an at-fault accident in
Hope Valley include American Family
and Quincy Mutual, offering $214
and $373,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2896.
Here is a list of driving violations that can increase your car
insurance rates in Hope Valley RI. For example, the car
insurance in Hope Valley
after a DUI increases to $1037 for a six
month policy. While the rate increases by $245 for a six-month policy in the case of
a speeding ticket.
Hope Valley auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1124
$187
Not-at-fault accident
$1140
$194
One comp claim
$1154
$193
Two comp claims
$1170
$199
One Med/PIP claim
$1175
$196
At-fault accident - $1000-$2000
$1185
$201
At-fault accident - greater than $2000
$1185
$198
At-fault accident - less than $1000
$1185
$201
Two Med/PIP claims
$1201
$200
Failure to wear a seat belt
$1308
$223
Failure to show documents
$1328
$221
Child safety restraint
$1343
$229
Driving without lights
$1343
$224
Driving with expired registration
$1364
$232
Speeding 6 - 10 MPH over limit
$1369
$228
Driving too slowly
$1379
$235
Speeding in school zone
$1379
$230
Failure to stop at a red light
$1390
$237
Speeding 11 - 15 MPH over limit
$1395
$232
Speeding 16 - 20 MPH over limit
$1395
$237
Failure to yield
$1405
$234
Following too closely
$1405
$239
Illegal turn
$1405
$234
Wrong way/wrong lane
$1405
$239
Improper passing
$1415
$236
Speeding 21 - 25 MPH over limit
$1435
$244
Cell phone violation
$1441
$240
Texting while driving
$1441
$245
Passing school bus
$1466
$244
In 65 MPH zone
$1502
$255
Operating a vehicle without permission
$1502
$250
Open container
$1645
$280
Reckless driving
$2012
$335
Refusal to submit to a chemical test
$2043
$347
Driving with a suspended license
$2069
$345
Racing
$2085
$354
DUI
$2161
$360
Leaving scene of an accident/hit and run
$2233
$379
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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 Hope Valley 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 Hope Valley.
The cheapest car insurance premiums in
Hope Valley are
offered by American Family at $327 for a six-month policy.
However, it can be as
expensive as $5670 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 Hope Valley are offered by State Farm
at $214. However,
it can be as expensive as $2657
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Hope Valley after Speeding ticket
Car Insurance Price Trends in Hope Valley,
Rhode Island
Car insurance rates in Hope Valley have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hope Valley remained steady at $287 in both February and January, indicating no change over the two month period.
The average cost of liability insurance in the Hope Valley remained steady at $64 in both February and January, indicating no change over the two month period.
Average Car Insurance Cost in Hope Valley 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
Hope Valley. At $2100 for a
six-month policy, insuring
your car at 2832 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 Hope Valley?
The car insurance in Hope Valley is $36 per month, which is lower than the national average.
What is the cheapest car insurance in Hope Valley?
The cheapest car insurance in Hope Valley
is $87 per month
for full coverage.
How much is car insurance in Hope Valley for teenagers?
Car insurance for teenagers costs $276 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 Valley?
The average cost of car insurance is $1221 for a six-month
policy. It will cost around $176 per month to insure your
car in Hope Valley.
Is car insurance expensive in Hope Valley?
Car insurance can be expensive in Hope Valley if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hope Valley can be
affordable.
What is the best car insurance in Hope Valley,
RI?
The best car insurance company in Hope Valley
RI is
American Family, offering $511 for a
six-month policy.
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