Washington County Auto Insurance Rates, Quotes, Agents & Reviews in RI

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.

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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.

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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 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