Central Falls Auto Insurance Rates, Quotes, Agents & Reviews in RI

Central Falls, RI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Central Falls, RI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Central Falls, RI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Central Falls, RI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Central Falls, RI with that of other cities in and around Central Falls.

Central Falls Lincoln Seekonk Valley Falls North Providence North Seekonk
Average Insurance Rates $2,100 $2,226 $1,295 $2,163 $2,027 $2,104

Central Falls, RI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Central Falls, RI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Central Falls $1,275 $1,077
Pawtucket $1,485 $1,255
Valley Falls $1,392 $1,175
North Seekonk $1,558 $1,316
Lincoln $1,515 $1,280
North Providence $1,743 $1,472
Providence $1,469 $1,241
Seekonk $1,612 $1,362

Central Falls, RI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Central Falls, RI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,814
20 Years $2,698
30 Years $2,078
40 Years $2,000
50 Years $1,852
60 Years $1,878
70 Years $2,185

Central Falls, RI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Central Falls, RI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,612 $588
3 Vehicles $5,418 $882
4 Vehicles $7,224 $1,176

Savings on 2 Vehicles bundle:$588

Savings on 3 Vehicles bundle:$882

Savings on 4 Vehicles bundle:$1,176


Central Falls, RI Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Central Falls, RI.

Location Average Insurance Cost Post DUI Insurance Rate
Central Falls $2,100 $4,173
Pawtucket $1,918 $3,811
Valley Falls $2,163 $4,298
North Seekonk $2,104 $3,810
Lincoln $2,226 $4,423
North Providence $2,027 $4,028
Providence $2,129 $4,230
Seekonk $1,295 $2,345

Central Falls, RI Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,802
Excellent (740-799) $2,057
Good (670-739) $2,188
Average (580-669) $2,855
Poor (300-579) $3,425

Central Falls, RI Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Chatterton Insurance, Inc. None 150 Main St, Pawtucket, 2860 None
Burns & Cotter Liberty Mutual Independent 206 WATERMAN ST, PROVIDENCE, 2906 401-421-0100
Sugeidy Mendez Allstate 58 Greenville Ave, Johnston, 2919 (401) 272-4040
Keough Kirby Associates Inc Travelers 68 CUMBERLAND ST PLAZA CENTER, WOONSOCKET, 2895 401-769-8100
Farmington Insurance Agency None 24 Farmington Avenue Providence, Cranston, 2909 (401)305-4939
M C Caldarone & Associate Inc Liberty Mutual Independent 75 SOCKANOSSET CROSS RD STE 202, CRANSTON, 2920 (401) 944-1800
Jeffrey S Smith Allstate 575 Cumberland Hill Rd, Woonsocket, 2895 (401) 766-8900
Wilson Insurance Agency, Inc. None 723 Atwells Ave, Providence, 2909 None
Platinum Insurance Agency None 1990 Pawtucket Avenue, 1A Providence, East Providence, 2914 None

Central Falls, RI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$92 $2,192
Driver's Failure In Showing Documents +$204 $2,304
Driving With An Expired Registration +$216 $2,316
Driving At A Considerably Slow Pace +$456 $2,556
Using A Cellphone While Driving +$481 $2,581
Running A Red Light +$489 $2,589
Speeding +$515 $2,615
Driving A Vehicle Without The Required Permission +$653 $2,753
Driving With An Expired/Suspended License +$1,415 $3,515

Central Falls, RI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,016
Active Disabling Device $2,016
Tracking Device $1,974
Passive Disabling Device $1,953

Latest Auto Insurance Reviews in Central Falls, RI | Back to Top

Safeco Insurance
It's lower than all other companies, but still a little high for my liking. It's high because I live in a city where hail runs wild in the summertime, and there is usually a catastrophic storm every year.