Washington County, RI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Washington County, 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.
Low Cost Car Insurance in Washington County, RI
The average cost of car insurance in Washington County, RI, is $1,680. In the event of an accident or any damage, your car insurance protects you against any financial loss. The insurer will pay up to the plan limits for damage caused by you. Car owners look for the best deal while purchasing car insurance in Washington County, RI. Car insurance companies have their way of estimating numbers and predicting risks. They use several factors to calculate the amount you will pay on auto insurance in Washington County, RI. Knowing how they work makes it easier to shop around and compare prices.
a. Credit History
Insurance companies use credit scores to predict who is likely to file claims in the future. They estimate car owners with poor credit scores are more likely to file a claim when compared to car owners with excellent credit scores. Drivers with poor credit scores may face high auto insurance in Washington County, RI, and pay hundreds or even thousands of dollars extra on car insurance. For example, car owners with exceptional credit scores have to pay $1,441, whereas car owners with poor credit scores have to pay $2,740 in Washington County, RI. Hence, the higher the credit score, the lower the auto insurance rates in Washington County, RI.
b. Age of the driver
Due to expanded knowledge and experience, drivers above 25 tend to have fewer accidents when compared to young drivers. Therefore, teenagers are charged higher auto insurance rates due to a higher risk of collision. As they acquire more experience, however, their risk will decrease. For example, teenagers pay $5,451 on auto insurance in Washington County, RI, whereas old drivers aged 40 years pay $1,600.
c. Driving Habits
Car drivers can enjoy low car insurance rates in Washington County, RI, by displaying a clean driving record. For example, car drivers running a red light or driving with an expired license must pay +$391 and +$1,132 extra on the total cost of car insurance in Washington County, RI. Therefore, it is crucial to avoid traffic violations to get low auto insurance in Washington County, RI.
Factors that can influence the cost of car insurance in Washington County, 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.
- Washington County, RI Auto Insurance Rates
- Washington County, RI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Washington County, RI
- Multi Vehicle Insurance Savings in Washington County, RI
- How Credit Score Affects Car Insurance Rates in Washington County, RI
- How DUI Affects Auto Insurance Premiums in Washington County, RI
- Top Auto Insurance Agents Near Washington County, RI
- How Driving Violations Affect Auto Insurance Rates in Washington County, RI
- Washington County, RI Auto Insurance Discounts on Anti Theft Feature
Washington County, RI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Washington County, RI with that of other cities in and around Washington County.
| Washington County | Carolina | Charlestown | Wakefield-Peacedale | South Kingstown | Kingston | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,680 | $2,227 | $2,241 | $2,245 | $1,824 | $2,269 |
Washington County, 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 Washington County, 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) |
|---|---|---|
| Washington County | $1,593 | $1,346 |
| South Kingstown | $1,461 | $1,234 |
| Charlestown | $1,883 | $1,590 |
| Carolina | $2,162 | $1,826 |
| Quonochontaug | $1,733 | $1,464 |
| Wakefield-Peacedale | $1,291 | $1,090 |
| Narragansett | $1,396 | $1,179 |
| Kingston | $1,011 | $854 |
Washington County, RI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Washington County, 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 | $5,451 |
| 20 Years | $2,159 |
| 30 Years | $1,663 |
| 40 Years | $1,600 |
| 50 Years | $1,481 |
| 60 Years | $1,502 |
| 70 Years | $1,748 |
Washington County, RI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Washington County, 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 | $2,856 | $504 |
| 3 Vehicles | $4,284 | $756 |
| 4 Vehicles | $5,712 | $1,008 |
Savings on 2 Vehicles bundle:$504
Savings on 3 Vehicles bundle:$756
Savings on 4 Vehicles bundle:$1,008
Washington County, 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 Washington County, RI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Washington County | $1,680 | $3,338 |
| South Kingstown | $1,824 | $3,624 |
| Charlestown | $2,241 | $4,453 |
| Carolina | $2,227 | $4,425 |
| Quonochontaug | $2,671 | $5,307 |
| Wakefield-Peacedale | $2,245 | $4,461 |
| Narragansett | $2,320 | $4,610 |
| Kingston | $2,269 | $4,508 |
Washington County, 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) | $1,441 |
| Excellent (740-799) | $1,645 |
| Good (670-739) | $1,751 |
| Average (580-669) | $2,284 |
| Poor (300-579) | $2,740 |
Washington County, 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 |
|---|---|---|---|
| Ford Insurance Agency | None | 23 North Rd Ste A17 Peacedale, Wakefield, 2879 | None |
| Katherine E Smith | Nationwide | 567 So County Trl Ste 204, Exeter, 02822-3419 | (401) 295-9100 |
| Wickford Insurance Agency Inc | Travelers | 1130 TEN ROD RD UNIT E104 LOWER LEVEL, NORTH KINGSTOWN, 2852 | 401-294-3304 |
| John Norcia | Allstate | 1060 Tiogue Ave, Coventry, 2816 | (401) 821-2261 |
| Gates Insurance Agency Inc | Liberty Mutual Independent | 238 Robinson Street , Wakefield, 2879 | None |
| Capalbo Ins Group Llc | Liberty Mutual Independent | 7610 POST RD, N KINGSTOWN, 2852 | (401) 268-3000 |
| Mark Lewis Clu Cfp\\Xae Chfc | Liberty Mutual | 225 Main Street, Wakefield, 2879 | 1-401-946-8600 |
| Blackman Insurance Agency Inc | Travelers | 631 Main Street , East Greenwich, 2818 | (401)250-5074 |
| Oceanpoint Insurance Agency Inc | Liberty Mutual Independent | 26 BOSWORTH ST, BARRINGTON, 2806 | 401-245-3900 |
Washington County, 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 | +$74 | $1,754 |
| Driver's Failure In Showing Documents | +$163 | $1,843 |
| Driving With An Expired Registration | +$173 | $1,853 |
| Driving At A Considerably Slow Pace | +$365 | $2,045 |
| Using A Cellphone While Driving | +$385 | $2,065 |
| Running A Red Light | +$391 | $2,071 |
| Speeding | +$412 | $2,092 |
| Driving A Vehicle Without The Required Permission | +$522 | $2,202 |
| Driving With An Expired/Suspended License | +$1,132 | $2,812 |
Washington County, 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 | $1,613 |
| Active Disabling Device | $1,613 |
| Tracking Device | $1,579 |
| Passive Disabling Device | $1,562 |