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Finding the cheapest car insurance quotes in North Smithfield 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 North Smithfield
The car insurance rate in North Smithfield is $1106 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $594, making it a popular choice for budget-conscious drivers. Rates in North Smithfield 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 North Smithfield
1st place: American Family
At $594 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 $659 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $784
for six months, making it
the third cheapest auto insurance company in North Smithfield.
North Smithfield Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in North Smithfield, RI is American Family, offering policies at just $594 for a six-month term. This is followed by State Farm, which has an average six-month premium of $659.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2168 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Smithfield drivers find the best deals.
Cheap Car Insurance Companies in North Smithfield, RI
Way's key takeaways about car insurance in North Smithfield
The auto insurance costs in North Smithfield fall around $594 for six
months.
The cheapest auto insurance company in North Smithfield is American Family.
Teen drivers pay the highest rate in North Smithfield at $1195 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 North Smithfield
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 North Smithfield are given below.
American Family provides
the cheapest minimum car insurance
coverage in North Smithfield. Their Average 6 Month Premium is $249.
Farmers is the most
expensive at $796 for the same
period.
Cheapest Liability Coverage in North Smithfield, RI
Cheapest Full Coverage Car Insurance in North Smithfield
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 North Smithfield is American Family
at $101 per month and $594
for six months.
Cheapest Full Coverage Car Insurance Quotes in North Smithfield,
RI
Get Your Car Insurance Quote in North Smithfield
Instantly!
Average Car Insurance in North Smithfield 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 North Smithfield, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in North Smithfield, 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, North Smithfield's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in North Smithfield
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
North Smithfield,RI
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the North Smithfield at $55
per
month. At $7170 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 North Smithfield.
As young drivers face the highest rates in North Smithfield, 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 North Smithfield,
Amica Mutual is
the cheapest car insurance provider. At $386 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
North Smithfield is Farmers, offering
rates of around $4716 for six
months.
Save up to $971/yr on car insurance rates in North Smithfield.
Car Insurance Rates with An Accident in North Smithfield
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 North Smithfield, RI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in North Smithfield
The cheapest car insurance companies after an at-fault accident in
North Smithfield include American Family
and Quincy Mutual, offering $249
and $434,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2816.
Here is a list of driving violations that can increase your car
insurance rates in North Smithfield RI. For example, the car
insurance in North Smithfield
after a DUI increases to $1206 for a six
month policy. While the rate increases by $285 for a six-month policy in the case of
a speeding ticket.
North Smithfield auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1307
$218
Not-at-fault accident
$1325
$225
One comp claim
$1342
$224
Two comp claims
$1360
$231
One Med/PIP claim
$1366
$228
At-fault accident - $1000-$2000
$1378
$234
At-fault accident - greater than $2000
$1378
$230
At-fault accident - less than $1000
$1378
$234
Two Med/PIP claims
$1396
$233
Failure to wear a seat belt
$1521
$259
Failure to show documents
$1544
$257
Child safety restraint
$1562
$266
Driving without lights
$1562
$260
Driving with expired registration
$1586
$270
Speeding 6 - 10 MPH over limit
$1592
$265
Driving too slowly
$1604
$273
Speeding in school zone
$1604
$267
Failure to stop at a red light
$1616
$275
Speeding 11 - 15 MPH over limit
$1622
$270
Speeding 16 - 20 MPH over limit
$1622
$276
Failure to yield
$1634
$272
Following too closely
$1634
$278
Illegal turn
$1634
$272
Wrong way/wrong lane
$1634
$278
Improper passing
$1645
$274
Speeding 21 - 25 MPH over limit
$1669
$284
Cell phone violation
$1675
$279
Texting while driving
$1675
$285
Passing school bus
$1705
$284
In 65 MPH zone
$1746
$297
Operating a vehicle without permission
$1746
$291
Open container
$1913
$325
Reckless driving
$2340
$390
Refusal to submit to a chemical test
$2376
$404
Driving with a suspended license
$2406
$401
Racing
$2424
$412
DUI
$2513
$419
Leaving scene of an accident/hit and run
$2596
$441
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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 North Smithfield 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 North Smithfield.
The cheapest car insurance premiums in
North Smithfield are
offered by American Family at $380 for a six-month policy.
However, it can be as
expensive as $5198 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 North Smithfield are offered by State Farm
at $249. However,
it can be as expensive as $2548
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in North Smithfield after Speeding ticket
Car Insurance Price Trends in North Smithfield,
Rhode Island
Car insurance rates in North Smithfield have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the North Smithfield remained steady at $295 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the North Smithfield remained steady at $71 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in North Smithfield 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
North Smithfield. At $2212 for a
six-month policy, insuring
your car at 2896 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 North Smithfield?
The car insurance in North Smithfield is $42 per month, which is lower than the national average.
What is the cheapest car insurance in North Smithfield?
The cheapest car insurance in North Smithfield
is $101 per month
for full coverage.
How much is car insurance in North Smithfield for teenagers?
Car insurance for teenagers costs $321 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
North Smithfield?
The average cost of car insurance is $1106 for a six-month
policy. It will cost around $186 per month to insure your
car in North Smithfield.
Is car insurance expensive in North Smithfield?
Car insurance can be expensive in North Smithfield if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in North Smithfield can be
affordable.
What is the best car insurance in North Smithfield,
RI?
The best car insurance company in North Smithfield
RI is
American Family, offering $594 for a
six-month policy.
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Find Car Insurance Rates in Cities Near North Smithfield, RI
Car Insurance Rates by State in the USA (2025 Update)
North Smithfield Car Insurance
