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Finding the cheapest car insurance quotes in Newport 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 Newport
The car insurance rate in Newport is $929 for a six-month policy, which is $177 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $499, making it a popular choice for budget-conscious drivers. Rates in Newport 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 $499 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 $554 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $659
for six months, making it
the third cheapest auto insurance company in Newport.
Newport Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Newport, RI is American Family, offering policies at just $499 for a six-month term. This is followed by State Farm, which has an average six-month premium of $554.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1821 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newport drivers find the best deals.
Way's key takeaways about car insurance in Newport
The auto insurance costs in Newport fall around $499 for six
months.
The cheapest auto insurance company in Newport is American Family.
Teen drivers pay the highest rate in Newport at $1004 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Newport
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 Newport are given below.
American Family provides
the cheapest minimum car insurance
coverage in Newport. Their Average 6 Month Premium is $209.
Farmers is the most
expensive at $669 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 Newport is American Family
at $85 per month and $499
for six months.
Cheapest Full Coverage Car Insurance Quotes in Newport,
RI
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Average Car Insurance in Newport 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 Newport, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Newport, 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, Newport's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Newport
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
Newport,RI
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Newport at $46
per
month. At $6023 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 Newport.
As young drivers face the highest rates in Newport, 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 Newport,
Amica Mutual is
the cheapest car insurance provider. At $324 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
Newport is Farmers, offering
rates of around $3961 for six
months.
Save up to $971/yr on car insurance rates in Newport.
Car Insurance Rates with An Accident in Newport
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 Newport, RI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Newport
The cheapest car insurance companies after an at-fault accident in
Newport include American Family
and Quincy Mutual, offering $209
and $365,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2365.
Here is a list of driving violations that can increase your car
insurance rates in Newport RI. For example, the car
insurance in Newport
after a DUI increases to $1013 for a six
month policy. While the rate increases by $239 for a six-month policy in the case of
a speeding ticket.
Newport auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1098
$183
Not-at-fault accident
$1113
$189
One comp claim
$1127
$188
Two comp claims
$1142
$194
One Med/PIP claim
$1147
$192
At-fault accident - $1000-$2000
$1158
$197
At-fault accident - greater than $2000
$1158
$193
At-fault accident - less than $1000
$1158
$197
Two Med/PIP claims
$1173
$196
Failure to wear a seat belt
$1278
$218
Failure to show documents
$1297
$216
Child safety restraint
$1312
$223
Driving without lights
$1312
$218
Driving with expired registration
$1332
$227
Speeding 6 - 10 MPH over limit
$1337
$223
Driving too slowly
$1347
$229
Speeding in school zone
$1347
$224
Failure to stop at a red light
$1357
$231
Speeding 11 - 15 MPH over limit
$1362
$227
Speeding 16 - 20 MPH over limit
$1362
$232
Failure to yield
$1373
$228
Following too closely
$1373
$234
Illegal turn
$1373
$228
Wrong way/wrong lane
$1373
$234
Improper passing
$1382
$230
Speeding 21 - 25 MPH over limit
$1402
$239
Cell phone violation
$1407
$234
Texting while driving
$1407
$239
Passing school bus
$1432
$239
In 65 MPH zone
$1467
$249
Operating a vehicle without permission
$1467
$244
Open container
$1607
$273
Reckless driving
$1966
$328
Refusal to submit to a chemical test
$1996
$339
Driving with a suspended license
$2021
$337
Racing
$2036
$346
DUI
$2111
$352
Leaving scene of an accident/hit and run
$2181
$370
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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 Newport 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 Newport.
The cheapest car insurance premiums in
Newport are
offered by American Family at $319 for a six-month policy.
However, it can be as
expensive as $4366 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 Newport are offered by State Farm
at $209. However,
it can be as expensive as $2140
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Newport after Speeding ticket
Car Insurance Price Trends in Newport,
Rhode Island
Car insurance rates in Newport have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Newport remained steady at $248 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Newport remained steady at $60 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
Newport. At $984 for a
six-month policy, insuring
your car at 2841 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 Newport?
The car insurance in Newport is $35 per month, which is lower than the national average.
What is the cheapest car insurance in Newport?
The cheapest car insurance in Newport
is $85 per month
for full coverage.
How much is car insurance in Newport for teenagers?
Car insurance for teenagers costs $270 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
Newport?
The average cost of car insurance is $1106 for a six-month
policy. It will cost around $156 per month to insure your
car in Newport.
Is car insurance expensive in Newport?
Car insurance can be expensive in Newport if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Newport can be
affordable.
What is the best car insurance in Newport,
RI?
The best car insurance company in Newport
RI is
American Family, offering $499 for a
six-month policy.
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