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

Warwick, RI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Warwick, 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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Car Insurance in Warwick, RI

The average cost of car insurance in Warwick, RI, is $1,699. In Warwick, RI, car insurance is a must for all drivers. It protects you, other drivers, and pedestrians in an accident and can help cover the costs of repairs, medical bills, and more. Everyone wants the best insurance, but they don't realize that by doing some research before purchasing car insurance in Warwick, Rhode Island, they can get better coverage at a lower cost. The amount you will pay each month for your auto insurance policy is determined by several factors used by auto insurance providers. Finding the best deal is simpler when you know their methodology. This article will provide an overview of car insurance in Warwick, RI, including three factors that affect the cost of car insurance in Warwick, RI.

1. Credit History

Credit history is one of the key elements that insurance companies consider when determining rates. Auto insurance costs are typically lower for drivers with good credit than those with bad credit. This is because a person's credit history is a reliable reflection of their general financial responsibility. People with good credit are more likely to be financially responsible in other areas of their life, including their driving, so insurance companies consider them less of a risk. For instance, bad credit can skyrocket auto insurance premiums in Warwick, RI. Car owners with exceptional credit scores have to pay $1,458, whereas car owners with poor credit scores have to pay $2,771 in Warwick, RI. Hence, the higher the credit score, the lower the auto insurance rates in Warwick, RI.

2. Age of the Driver

If you're over 30 and have a clean driving record, you're probably paying less for car insurance than your younger counterparts. But why is this? It's all about risk. Insurance companies base their rates on how likely you are to get into an accident, and younger drivers are statistically more likely to get into an accident than older drivers. So, they charge younger drivers more to offset the risk. For example, teenagers pay $5,513 on auto insurance in Warwick, RI, whereas old drivers aged 30 years pay $1,681. The bottom line is that your age is just one factor that insurers consider when setting your rates. To get the best possible rate, shopping around and comparing rates from multiple companies is essential.

3. A Clean Driving History

Clean driving history is one of the most critical factors in getting a reasonable car insurance rate. Insurance companies view drivers with a clean history as less risky than those with a history of accidents or moving violations. As a result, these drivers typically receive lower rates. Running a red light while driving or having an expired license, for instance, will increase the cost of car insurance in Warwick, RI, by +$396 and +$1,145, respectively. By avoiding accidents and traffic violations, drivers can keep their rates low and ensure they are getting the best possible value for their insurance.

Factors that can influence the cost of car insurance in Warwick, 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.

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

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

Warwick Bristol County East Providence Barrington Bristol East Greenwich
Average Insurance Rates $1,699 $1,560 $1,801 $2,328 $2,253 $2,349

Warwick, 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 Warwick, 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)
Warwick $1,181 $998
West Warwick $1,561 $1,319
Barrington $1,937 $1,636
Cranston $1,057 $893
East Greenwich $1,891 $1,597
Bristol County $1,450 $1,225
East Providence $1,516 $1,281
Bristol $1,594 $1,347

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

Teenagers in Warwick, 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 $5,513
20 Years $2,183
30 Years $1,681
40 Years $1,618
50 Years $1,498
60 Years $1,519
70 Years $1,768

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

Car owners in Warwick, 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 $2,990 $408
3 Vehicles $4,485 $612
4 Vehicles $5,980 $816

Savings on 2 Vehicles bundle:$408

Savings on 3 Vehicles bundle:$612

Savings on 4 Vehicles bundle:$816

Warwick, 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 Warwick, RI.

Location Average Insurance Cost Post DUI Insurance Rate
Warwick $1,699 $3,376
West Warwick $2,131 $4,234
Barrington $2,328 $4,626
Cranston $2,164 $4,300
East Greenwich $2,349 $4,667
Bristol County $1,560 $3,100
East Providence $1,801 $3,578
Bristol $2,253 $4,477

Warwick, 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) $1,458
Excellent (740-799) $1,664
Good (670-739) $1,770
Average (580-669) $2,310
Poor (300-579) $2,771

Warwick, 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
Mogahed Ibrahim Allstate 780 Main St, East Greenwich, 2818 (401) 352-4449
Kraunelis Insurance Agency, Llc None 195 Washington Rd, Barrington, 2806 None
Sacchetti Insurance Agency, Inc. None 845 Post Rd, Warwick, 2888 None
Quetta Insurance, Llc None 400 Resoervoir Ave Ste 2B, Providence, 2907 None
Wilson Insurance Agency, Inc. None 723 Atwells Ave, Providence, 2909 None
Revens-Gates Insurance Agency Liberty Mutual Independent 1130 TEN ROD RD STE E-201, NORTH KINGSTOWN, 2852 401-294-9537
Damiano Agency Liberty Mutual Independent 121 PHENIX AVE, CRANSTON, 2920 (401) 946-6800
Auburn Insurance & Realty Co., Inc. None 1119 Reservoir Ave 1119 Reservoir Ave, Cranston, 2910 None

Warwick, 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 +$75 $1,774
Driver's Failure In Showing Documents +$165 $1,864
Driving With An Expired Registration +$175 $1,874
Driving At A Considerably Slow Pace +$369 $2,068
Using A Cellphone While Driving +$389 $2,088
Running A Red Light +$396 $2,095
Speeding +$416 $2,115
Driving A Vehicle Without The Required Permission +$528 $2,227
Driving With An Expired/Suspended License +$1,145 $2,844

Warwick, 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 $1,631
Active Disabling Device $1,631
Tracking Device $1,597
Passive Disabling Device $1,580

Latest Auto Insurance Reviews in Warwick, RI | Back to Top

State Farm
The company provides a wide range of good customer service. They are very helpful to all and take very care about their products I like their service very much.
Erie Insurance
They offer road side assistance and they will come to you if you can not come to them when it comes to making a claim and getting the insurance check.
At this time, I am happy with Allstate Insurance customer service. I have not really had any contact with them, as usually my business is done over the internet.
Erie Insurance
I have been with Erie Insurance for my auto insurance for many years. It is an awesome customer service experience and the local agents are very ready to help you with any issues.
I would recommend them for car insurance because their rates seem reasonable and they are quick to communicate about claims.
My car insurance premium is about the same as other companies. My deductible is lower due to my car being financed, but the cost is reasonable.
I have a $1000 deductible which is kind of high, but it keeps the premiums affordable.
I have been a loyal customer for decades and have treated me bad. Please don't insure with them. They were nasty about a claim I made as they found a loop hole in the policy. Like I was trying to get by with something.
I have been a loyal customer for decades and have treated me bad. Please don't insure with them. They were nasty about a claim I made as they found a loop hole in the policy. Like I was trying to get by with something.
Erie Insurance
The main thing that I dislike is the road-side assistance program. I wish that they would be more clear as to the services offered.
Safeco Insurance
The only thing I dislike is that they don't have a local office, so all interaction must be handled either by phone or online. So far, however, rather than the inconvenience, it's not caused a problem.
Erie Insurance
I like the overall reliability of the company and the premium prices. Like I said before I have not been able to find a better deal for the coverage I have. I've looked at numerous other spots and have not found a price that beats them.