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Finding the cheapest car insurance quotes in West Kingston 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 West Kingston
The car insurance rate in West Kingston is $1040 for a six-month policy, which is $66 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $558, making it a popular choice for budget-conscious drivers. Rates in West Kingston 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 $558 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 $619 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $737
for six months, making it
the third cheapest auto insurance company in West Kingston.
West Kingston Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in West Kingston, RI is American Family, offering policies at just $558 for a six-month term. This is followed by State Farm, which has an average six-month premium of $619.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2038 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Kingston drivers find the best deals.
Cheap Car Insurance Companies in West Kingston, RI
Way's key takeaways about car insurance in West Kingston
The auto insurance costs in West Kingston fall around $558 for six
months.
The cheapest auto insurance company in West Kingston is American Family.
Teen drivers pay the highest rate in West Kingston at $1123 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 West Kingston
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 West Kingston are given below.
American Family provides
the cheapest minimum car insurance
coverage in West Kingston. Their Average 6 Month Premium is $234.
Farmers is the most
expensive at $748 for the same
period.
Cheapest Full Coverage Car Insurance in West Kingston
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 West Kingston is American Family
at $95 per month and $558
for six months.
Cheapest Full Coverage Car Insurance Quotes in West Kingston,
RI
Get Your Car Insurance Quote in West Kingston
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Average Car Insurance in West Kingston 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 West Kingston, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in West Kingston, 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, West Kingston's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in West Kingston
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
West Kingston,RI
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the West Kingston at $52
per
month. At $6740 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 West Kingston.
As young drivers face the highest rates in West Kingston, 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 West Kingston,
Amica Mutual is
the cheapest car insurance provider. At $363 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
West Kingston is Farmers, offering
rates of around $4433 for six
months.
Save up to $971/yr on car insurance rates in West Kingston.
Car Insurance Rates with An Accident in West Kingston
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 West Kingston, RI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in West Kingston
The cheapest car insurance companies after an at-fault accident in
West Kingston include American Family
and Quincy Mutual, offering $234
and $408,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2647.
Here is a list of driving violations that can increase your car
insurance rates in West Kingston RI. For example, the car
insurance in West Kingston
after a DUI increases to $1133 for a six
month policy. While the rate increases by $267 for a six-month policy in the case of
a speeding ticket.
West Kingston auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1229
$205
Not-at-fault accident
$1246
$212
One comp claim
$1261
$211
Two comp claims
$1278
$217
One Med/PIP claim
$1284
$214
At-fault accident - $1000-$2000
$1295
$220
At-fault accident - greater than $2000
$1295
$216
At-fault accident - less than $1000
$1295
$220
Two Med/PIP claims
$1312
$219
Failure to wear a seat belt
$1430
$243
Failure to show documents
$1451
$242
Child safety restraint
$1468
$250
Driving without lights
$1468
$244
Driving with expired registration
$1491
$254
Speeding 6 - 10 MPH over limit
$1496
$249
Driving too slowly
$1508
$257
Speeding in school zone
$1508
$251
Failure to stop at a red light
$1519
$259
Speeding 11 - 15 MPH over limit
$1525
$254
Speeding 16 - 20 MPH over limit
$1525
$259
Failure to yield
$1536
$256
Following too closely
$1536
$261
Illegal turn
$1536
$256
Wrong way/wrong lane
$1536
$261
Improper passing
$1546
$258
Speeding 21 - 25 MPH over limit
$1569
$267
Cell phone violation
$1575
$262
Texting while driving
$1575
$268
Passing school bus
$1603
$267
In 65 MPH zone
$1641
$279
Operating a vehicle without permission
$1641
$274
Open container
$1798
$306
Reckless driving
$2200
$367
Refusal to submit to a chemical test
$2233
$380
Driving with a suspended license
$2262
$377
Racing
$2279
$387
DUI
$2362
$394
Leaving scene of an accident/hit and run
$2440
$415
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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 West Kingston 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 West Kingston.
The cheapest car insurance premiums in
West Kingston are
offered by American Family at $357 for a six-month policy.
However, it can be as
expensive as $4886 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 West Kingston are offered by State Farm
at $234. However,
it can be as expensive as $2395
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in West Kingston after Speeding ticket
Car Insurance Price Trends in West Kingston,
Rhode Island
Car insurance rates in West Kingston have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the West Kingston remained steady at $277 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the West Kingston remained steady at $67 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in West Kingston 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
West Kingston. At $2079 for a
six-month policy, insuring
your car at 2892 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 West Kingston?
The car insurance in West Kingston is $39 per month, which is lower than the national average.
What is the cheapest car insurance in West Kingston?
The cheapest car insurance in West Kingston
is $95 per month
for full coverage.
How much is car insurance in West Kingston for teenagers?
Car insurance for teenagers costs $302 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
West Kingston?
The average cost of car insurance is $1106 for a six-month
policy. It will cost around $175 per month to insure your
car in West Kingston.
Is car insurance expensive in West Kingston?
Car insurance can be expensive in West Kingston if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in West Kingston can be
affordable.
What is the best car insurance in West Kingston,
RI?
The best car insurance company in West Kingston
RI is
American Family, offering $558 for a
six-month policy.
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West Kingston Car Insurance
