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Finding the cheapest car insurance quotes in Providence 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 Providence
The car insurance rate in Providence is $1722 for a six-month policy, which is $501 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $838, making it a popular choice for budget-conscious drivers. Rates in Providence 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 $838 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 $929 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 $1131
for six months, making it
the third cheapest auto insurance company in Providence.
Providence Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Providence, RI is American Family, offering policies at just $838 for a six-month term. This is followed by State Farm, which has an average six-month premium of $929.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3710 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Providence drivers find the best deals.
Way's key takeaways about car insurance in Providence
The auto insurance costs in Providence fall around $838 for six
months.
The cheapest auto insurance company in Providence is American Family.
Teen drivers pay the highest rate in Providence at $2033 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Providence
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 Providence are given below.
American Family provides
the cheapest minimum car insurance
coverage in Providence. Their Average 6 Month Premium is $351.
Farmers is the most
expensive at $1316 for the same
period.
Cheapest Full Coverage Car Insurance in Providence
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 Providence is American Family
at $142 per month and $838
for six months.
Cheapest Full Coverage Car Insurance Quotes in Providence,
RI
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Average Car Insurance in Providence 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 Providence, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Providence, 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, Providence's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Providence
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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Providence,RI
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Providence at $78
per
month. At $12204 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 Providence.
As young drivers face the highest rates in Providence, 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 Providence,
Amica Mutual is
the cheapest car insurance provider. At $544 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
Providence is Farmers, offering
rates of around $8048 for six
months.
Save up to $971/yr on car insurance rates in Providence.
Car Insurance Rates with An Accident in Providence
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 Providence, RI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Providence
The cheapest car insurance companies after an at-fault accident in
Providence include American Family
and Quincy Mutual, offering $351
and $612,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4749.
Here is a list of driving violations that can increase your car
insurance rates in Providence RI. For example, the car
insurance in Providence
after a DUI increases to $1700 for a six
month policy. While the rate increases by $402 for a six-month policy in the case of
a speeding ticket.
Providence auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1843
$307
Not-at-fault accident
$1868
$317
One comp claim
$1892
$316
Two comp claims
$1918
$326
One Med/PIP claim
$1926
$321
At-fault accident - $1000-$2000
$1943
$330
At-fault accident - greater than $2000
$1943
$324
At-fault accident - less than $1000
$1943
$330
Two Med/PIP claims
$1968
$329
Failure to wear a seat belt
$2145
$365
Failure to show documents
$2177
$362
Child safety restraint
$2202
$375
Driving without lights
$2202
$367
Driving with expired registration
$2236
$381
Speeding 6 - 10 MPH over limit
$2245
$374
Driving too slowly
$2262
$385
Speeding in school zone
$2262
$376
Failure to stop at a red light
$2279
$388
Speeding 11 - 15 MPH over limit
$2287
$381
Speeding 16 - 20 MPH over limit
$2287
$389
Failure to yield
$2304
$384
Following too closely
$2304
$392
Illegal turn
$2304
$384
Wrong way/wrong lane
$2304
$392
Improper passing
$2319
$386
Speeding 21 - 25 MPH over limit
$2353
$400
Cell phone violation
$2362
$393
Texting while driving
$2362
$402
Passing school bus
$2404
$400
In 65 MPH zone
$2462
$419
Operating a vehicle without permission
$2462
$410
Open container
$2697
$458
Reckless driving
$3299
$550
Refusal to submit to a chemical test
$3350
$570
Driving with a suspended license
$3392
$565
Racing
$3418
$581
DUI
$3543
$591
Leaving scene of an accident/hit and run
$3660
$622
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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 Providence 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 Providence.
The cheapest car insurance premiums in
Providence are
offered by American Family at $536 for a six-month policy.
However, it can be as
expensive as $9296 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 Providence are offered by State Farm
at $351. However,
it can be as expensive as $4355
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Providence after Speeding ticket
Car Insurance Price Trends in Providence,
Rhode Island
Car insurance rates in Providence have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Providence rose by
$471 in January
compared to $416 of December. In other words, there has been an increase by $55 when you
compare January and December.
The average cost of liability insurance in the Providence rose to $104 in January,
compared to $100 in December.
This represents an increase of $4
when comparing January and December.
Average Car Insurance Cost in Providence 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
Providence. At $2048 for a
six-month policy, insuring
your car at 2909 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
2909
$2048
$343
2908
$2014
$338
2907
$1979
$332
2906
$1945
$326
2905
$1928
$323
2904
$1962
$329
2903
$1807
$303
2912
$1721
$289
Frequently Asked Questions
How much is car insurance in Providence?
The car insurance in Providence is $59 per month, which is lower than the national average.
What is the cheapest car insurance in Providence?
The cheapest car insurance in Providence
is $142 per month
for full coverage.
How much is car insurance in Providence for teenagers?
Car insurance for teenagers costs $453 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
Providence?
The average cost of car insurance is $1221 for a six-month
policy. It will cost around $289 per month to insure your
car in Providence.
Is car insurance expensive in Providence?
Car insurance can be expensive in Providence if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Providence can be
affordable.
What is the best car insurance in Providence,
RI?
The best car insurance company in Providence
RI is
American Family, offering $838 for a
six-month policy.
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