Cranston, RI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Cranston, 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.
Best Car Insurance Rates in Cranston, RI
The average cost of car insurance in Cranston, RI, is $2,164. The car insurance rates may vary from one location to another. Therefore, car owners in Cranston, RI, must compare the cost of auto insurance from their neighboring cities like North Providence ($2,027), Providence ($2,129), Warwick ($1,699), Scituate ($2,232), Johnston ($2,157), and others to get a clear idea.
Auto owners must avoid selecting their insurance provider at random. They must search for affordable car insurance in Cranston, compare quotes and discounts offered by the company, and proceed later if it meets the car driver requirements. Multiple factors influence the cost of auto insurance in Cranston, RI. Therefore auto insurance rates may vary from person to person. A few factors that can affect car insurance prices in Cranston, RI, are listed in this article.
a. Credit History
Car insurance is obligatory to drive cars in Rhode Island. The insurance providers consider the premium offered for insurance based on the car model and the credit score. For example, car owners with exceptional credit scores have to pay $1,857, whereas car owners with poor or low credit scores have to pay $3,530 in Cranston, RI. Therefore, car owners must maintain a fair credit score to earn discounts on auto insurance rates in Cranston, RI.
b. Age of the driver
With age and experience in driving, insurance premiums tend to fluctuate. Young drivers are generally unskillful and inexperienced. They are more likely to be involved in accidents when compared to older drivers. For example, teenagers pay $7,022 on auto insurance in Cranston, RI, whereas old drivers aged 40 years pay $2,061 on auto insurance in Cranston, RI.
c. Driving Habits
Driving history can have a tremendous impact on car insurance rates in Cranston, RI. Car owners with a history of traffic violations and DUIs pay more auto insurance in Cranston, RI. For example, car drivers running a red light or driving with an expired registration must pay +$504 and +$223 extra on the total cost of car insurance in Cranston, RI.
Factors that can influence the cost of car insurance in Cranston, 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.
- Cranston, RI Auto Insurance Rates
- Cranston, RI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cranston, RI
- Multi Vehicle Insurance Savings in Cranston, RI
- How Credit Score Affects Car Insurance Rates in Cranston, RI
- How DUI Affects Auto Insurance Premiums in Cranston, RI
- Top Auto Insurance Agents Near Cranston, RI
- How Driving Violations Affect Auto Insurance Rates in Cranston, RI
- Cranston, RI Auto Insurance Discounts on Anti Theft Feature
- Cranston, RI Auto Insurance Company Reviews
Cranston, RI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Cranston, RI with that of other cities in and around Cranston.
| Cranston | North Providence | Providence | Warwick | Scituate | Johnston | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,164 | $2,027 | $2,129 | $1,699 | $2,232 | $2,157 |
Cranston, 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 Cranston, 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) |
|---|---|---|
| Cranston | $1,057 | $893 |
| Johnston | $968 | $818 |
| Providence | $1,469 | $1,241 |
| Warwick | $1,181 | $998 |
| West Warwick | $1,561 | $1,319 |
| North Providence | $1,743 | $1,472 |
| East Providence | $1,516 | $1,281 |
| Scituate | $1,651 | $1,395 |
Cranston, RI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Cranston, 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 | $7,022 |
| 20 Years | $2,780 |
| 30 Years | $2,142 |
| 40 Years | $2,061 |
| 50 Years | $1,908 |
| 60 Years | $1,935 |
| 70 Years | $2,252 |
Cranston, RI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Cranston, 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 | $3,679 | $649 |
| 3 Vehicles | $5,518 | $974 |
| 4 Vehicles | $7,358 | $1,298 |
Savings on 2 Vehicles bundle:$649
Savings on 3 Vehicles bundle:$974
Savings on 4 Vehicles bundle:$1,298
Cranston, 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 Cranston, RI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Cranston | $2,164 | $4,300 |
| Johnston | $2,157 | $4,286 |
| Providence | $2,129 | $4,230 |
| Warwick | $1,699 | $3,376 |
| West Warwick | $2,131 | $4,234 |
| North Providence | $2,027 | $4,028 |
| East Providence | $1,801 | $3,578 |
| Scituate | $2,232 | $4,435 |
Cranston, 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) | $1,857 |
| Excellent (740-799) | $2,119 |
| Good (670-739) | $2,255 |
| Average (580-669) | $2,942 |
| Poor (300-579) | $3,530 |
Cranston, 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 |
|---|---|---|---|
| The Lawrence Agency Inc | Nationwide | 872 Smithfield Ave, Lincoln, 2865 | (401) 726-3210 |
| Marcus Alves | Liberty Mutual | 100 Midway Road, Cranston, 2920 | 1-401-946-8600 |
| The Balise Agency | Allstate | 1400 Post Rd, Warwick, 2888 | (401) 780-3095 |
| Sacchetti Insurance Agency, Inc. | None | 845 Post Rd, Warwick, 2888 | None |
| Deblasio Insurance Inc | Travelers | 1169 Park Ave, Cranston, 2910 | None |
| Vincent S Podmaska | Nationwide | 1465 Atwood Ave, Johnston, 02919-7701 | (401) 273-8700 |
| Charles Delmonte | Allstate | 45 Sockanosset Cross Rd, Cranston, 2920 | (401) 233-9400 |
| Oceanpoint Insurance Agency Inc | Liberty Mutual Independent | 26 BOSWORTH ST, BARRINGTON, 2806 | 401-245-3900 |
| Insurance Leader, Inc. | None | 1237 Elmwood Ave, Providence, 2907 | None |
| Arnold Lombardi | Allstate | 1060 Tiogue Ave, Coventry, 2816 | (401) 821-2261 |
Cranston, 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 | +$95 | $2,259 |
| Driver's Failure In Showing Documents | +$210 | $2,374 |
| Driving With An Expired Registration | +$223 | $2,387 |
| Driving At A Considerably Slow Pace | +$470 | $2,634 |
| Using A Cellphone While Driving | +$496 | $2,660 |
| Running A Red Light | +$504 | $2,668 |
| Speeding | +$530 | $2,694 |
| Driving A Vehicle Without The Required Permission | +$673 | $2,837 |
| Driving With An Expired/Suspended License | +$1,459 | $3,623 |
Cranston, 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 | $2,077 |
| Active Disabling Device | $2,077 |
| Tracking Device | $2,034 |
| Passive Disabling Device | $2,013 |
Latest Auto Insurance Reviews in Cranston, RI | Back to Top
State FarmMy policy provides more coverage than the average car insurer does, while saving me money as it was about $12 less a month than cvomparable other offerings.
Erie InsuranceWhen I switched to Erie I was able to get a lot more out of my policy for A LOT let money. I am now saving about $120 a month.
Erie InsuranceErie is a good insurance company that Have used for a very long while my experience with them has been good and I believe am not the only one that love most things about them
Progressivei will recommend to someone like my close friends , colleague, or family members. Because of their subsidy policy. Last year i received for proper installment pay. I was such a happy to receive this offer.
State FarmI don't know much about the comparisons that my insurance company offers compared to the offerings of other insurance companies.
AaaThe AAA auto insurance policies are high however they offered many other options ensure their customers safety.
Erie InsuranceIt's difficult to find something I dislike. I would say I dislike when they send me bulky letters of the terms and conditions of the coverage I have when I could read and agree online.
AaaI love the customer service interaction, they are easy to reach by phone, chat and email. The representatives are always professional.
ProgressiveI use the Android app which is decent. I dislike that changing information on the app is so difficult and that I have to call customer service to do so.