Johnston, RI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Johnston, 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 in Johnston, RI
The average car insurance rate in Johnston, RI, is $2,157. In Johnston, Rhode Island, numerous auto insurance providers have the best insurance plans. Nevertheless, it can be challenging to identify the provider of the proper coverage for your needs. A few deciding factors can alter how much auto insurance costs in Johnston, Rhode Island. The age of the driver, the deductible type, the history of claims, the driver's driving record, the driver's gender, the driver's marital status, and other variables are a few examples of these.
Car Insurance Rates Based on the Age of the Driver
Compared to senior drivers, young drivers typically have higher insurance costs. This is due to the perception that youthful drivers pose a greater risk on the road. They are more prone to accidents and file insurance claims. Young drivers are consequently subject to higher premiums from insurance firms. Young drivers can, however, find strategies to reduce their auto insurance costs. They are eligible for discounts for driver's education courses and keeping up good grades. Additionally, they are eligible for savings if they maintain a spotless driving record and drive safely. Teenage drivers in Johnston, RI, pay $6,999. In contrast, drivers aged 40 years pay $2,054 on auto insurance in Johnston, RI.
Car Insurance Rates Post-DUI
You might lose your freedom and money if you are found guilty of driving under the influence (DUI) in Johnston, Rhode Island. You might be subject to harsh punishments like thousands of dollars in fines, probation, and even jail time. Based on your conviction, your license may possibly be suspended. Johnston auto insurance prices may rise as a result of this. For instance, on average, Johnston, Rhode Island, charges $2,157 for auto insurance. Driver pays $2129 in additional auto insurance premiums after a DUI.
Car Insurance Rates Based on Credit History
You're likely to get a lower rate if you have a good credit history. Insurers view customers with good credit as less of a risk, which means they're more likely to get their money back in case of a claim. On the other hand, if you have a poor credit history, you can expect to pay more for your car insurance. For instance, automobile owners in Johnston, Rhode Island, who have exceptional credit scores pay $1,851 for car insurance, while those with poor credit must fork out $3,518. If you're unsure where you stand, checking your credit report before shopping for car insurance is a good idea. That way, you'll know what to expect and shop around for the best rate.
Factors that can influence the cost of car insurance in Johnston, 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.
- Johnston, RI Auto Insurance Rates
- Johnston, RI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Johnston, RI
- Multi Vehicle Insurance Savings in Johnston, RI
- How Credit Score Affects Car Insurance Rates in Johnston, RI
- How DUI Affects Auto Insurance Premiums in Johnston, RI
- Top Auto Insurance Agents Near Johnston, RI
- How Driving Violations Affect Auto Insurance Rates in Johnston, RI
- Johnston, RI Auto Insurance Discounts on Anti Theft Feature
Johnston, RI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Johnston, RI with that of other cities in and around Johnston.
| Johnston | Providence | Smithfield | Scituate | Providence County | North Providence | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,157 | $2,129 | $2,215 | $2,232 | $1,985 | $2,027 |
Johnston, 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 Johnston, 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) |
|---|---|---|
| Johnston | $968 | $818 |
| Greenville | $1,355 | $1,145 |
| North Providence | $1,743 | $1,472 |
| Providence County | $1,761 | $1,488 |
| Cranston | $1,057 | $893 |
| Smithfield | $1,728 | $1,460 |
| Providence | $1,469 | $1,241 |
| Scituate | $1,651 | $1,395 |
Johnston, RI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Johnston, 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 | $6,999 |
| 20 Years | $2,771 |
| 30 Years | $2,135 |
| 40 Years | $2,054 |
| 50 Years | $1,902 |
| 60 Years | $1,928 |
| 70 Years | $2,245 |
Johnston, RI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Johnston, 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 | $3,667 | $647 |
| 3 Vehicles | $5,500 | $971 |
| 4 Vehicles | $7,334 | $1,294 |
Savings on 2 Vehicles bundle:$647
Savings on 3 Vehicles bundle:$971
Savings on 4 Vehicles bundle:$1,294
Johnston, 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 Johnston, RI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Johnston | $2,157 | $4,286 |
| Greenville | $2,201 | $4,373 |
| North Providence | $2,027 | $4,028 |
| Providence County | $1,985 | $3,944 |
| Cranston | $2,164 | $4,300 |
| Smithfield | $2,215 | $4,401 |
| Providence | $2,129 | $4,230 |
| Scituate | $2,232 | $4,435 |
Johnston, 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) | $1,851 |
| Excellent (740-799) | $2,113 |
| Good (670-739) | $2,248 |
| Average (580-669) | $2,932 |
| Poor (300-579) | $3,518 |
Johnston, 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 |
|---|---|---|---|
| Affiliated Insurance Managers | Liberty Mutual Independent | 935 JEFFERSON BLVD SUITE 2001, WARWICK, 2886 | (401) 352-3000 |
| Blais Insurance | Travelers | 1 WALKER STREET, LINCOLN, 2865 | 401-725-0070 |
| Edwin De Jesus | Allstate | 760 N Main St, Providence, 2904 | (401) 270-3042 |
| Sugeidy Mendez | Allstate | 58 Greenville Ave, Johnston, 2919 | (401) 272-4040 |
| Paul C Pusateri | Nationwide | 471 Atwood Ave, Cranston, 02920-5316 | (401) 946-3650 |
| Annarummo & Associates Insurance Inc | Travelers | 808 Main Avenue, Warwick, 2886 | None |
| Insurance Leader, Inc. | None | 1237 Elmwood Ave, Providence, 2907 | None |
| Mercier & Kosinski Ins Inc | Liberty Mutual Independent | 1009 Smithfield Ave , Lincoln, 2865 | None |
| Butler & Messier Inc | Liberty Mutual Independent | 1401 NEWPORT AVE, PAWTUCKET, 2861 | 401-728-3200 |
| Gaulin Insurance Agency | Nationwide | One Rolfe Square, Cranston, 02910-2809 | (401) 781-4010 |
| Gaulin Insurance Agency | Nationwide | One Rolfe Square, Cranston, 02910-2809 | (401) 781-4010 |
Johnston, 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 | $2,252 |
| Driver's Failure In Showing Documents | +$209 | $2,366 |
| Driving With An Expired Registration | +$222 | $2,379 |
| Driving At A Considerably Slow Pace | +$468 | $2,625 |
| Using A Cellphone While Driving | +$494 | $2,651 |
| Running A Red Light | +$503 | $2,660 |
| Speeding | +$528 | $2,685 |
| Driving A Vehicle Without The Required Permission | +$671 | $2,828 |
| Driving With An Expired/Suspended License | +$1,454 | $3,611 |
Johnston, 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 | $2,071 |
| Active Disabling Device | $2,071 |
| Tracking Device | $2,028 |
| Passive Disabling Device | $2,006 |