Johnston Auto Insurance Rates, Quotes, Agents & Reviews in RI

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.

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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 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