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

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

Zimlon, through its research, found that car owners in Westerly, 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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An Overview of Car Insurance in Westerly

Westerly is a small town in Rhode Island with a big heart that offers a vibrant downtown scene full of shopping, delicious restaurants, beautiful beaches, trendy bars, and more. With so much to explore, Rhode Island requires residents to carry what's known as "full coverage," which includes personal injury protection (PIP) and property damage liability (PDL). Bodily injury liability coverage provides protection for bodily injury you may cause to the passengers and other motorists if you are found at fault for an accident. Property damage liability coverage provides protection for damage you may cause to the other party's car due to an accident.

In Westerly, Rhode Island, coverage requirement limits are: 

a. Bodily Injury Liability per person - $25,000 

b. Bodily Injury Liability per accident - $50,000 

c. Property Damage Liability per accident - $25,000 

The average cost of car insurance in Westerly, RI, is $2,223. It is lower when compared to neighboring cities like Weekapaug, Quonochontaug, and Charlestown. This is because car insurance rates may differ from person to person. 

Here are some tips to reduce your car insurance rates in Westerly, RI. 

a. By obeying driving regulations

Car owners can save money by obeying traffic laws and maintaining a clean driving record. Westerly car owners with a history of speeding tickets, accidents, running a red light, or DUIs have to pay more expensive premiums on car insurance as insurance providers consider them high-risk drivers.

The severity of the driving violation will decide the car insurance rates in Westerly, RI. For instance, car drivers penalized for driving with an expired registration or using a mobile phone while driving have to pay +$229 and +$509 extra on the total insurance cost. 

Refer to the graph below to understand the car insurance rates per driving violation.

an_overview_of_car_insurance_in_westerly

b. By maintaining clean driving history

Driving record is considered an essential factor while determining the car insurance rate in Westerly, RI. Car insurance in Westerly, RI, can be moderately high for the auto owners involved in multiple accidents. Therefore, it is crucial to keep a clean driving record. 

For instance, auto owners found guilty of DUI (Driving Under Influence) will be charged a higher premium. Rash driving, possession of drugs or alcohol, the offense of driving, or any regulation that violates driving rules comes under DUI. The auto insurance rate in Westerly, RI, Post DUI will be $4,417. 

c. By availing of multi-car discounts

The car insurance policy in Westerly offers multi-car discounts. Here, the holder can add more cars to their policy with the same provider and get a multi-car discount. This is a useful way to reduce car insurance rates in Westerly, RI. 

For instance, car owners in Westerly pay $3,868 on two vehicles and $5,802 on three vehicles. Here they can save up to $578 and $867, respectively, on auto insurance rates.

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


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

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

Westerly Weekapaug Quonochontaug Bradford Pawcatuck Charlestown
Average Insurance Rates $2,223 $2,631 $2,671 $2,170 $1,573 $2,241

Westerly, 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 Westerly, 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)
Westerly $1,519 $1,283
Weekapaug $1,828 $1,544
Misquamicut $1,527 $1,290
Watch Hill $2,160 $1,824
Quonochontaug $1,733 $1,464
Bradford $1,860 $1,571
Pawcatuck $1,254 $1,059
Charlestown $1,883 $1,590

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

Teenagers in Westerly, 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 $7,213
20 Years $2,856
30 Years $2,200
40 Years $2,117
50 Years $1,960
60 Years $1,987
70 Years $2,313

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

Car owners in Westerly, 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 $3,868 $578
3 Vehicles $5,802 $867
4 Vehicles $7,736 $1,156

Savings on 2 Vehicles bundle:$578

Savings on 3 Vehicles bundle:$867

Savings on 4 Vehicles bundle:$1,156


Westerly, 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 Westerly, RI.

Location Average Insurance Cost Post DUI Insurance Rate
Westerly $2,223 $4,417
Weekapaug $2,631 $5,228
Misquamicut $2,417 $4,802
Watch Hill $2,106 $4,184
Quonochontaug $2,671 $5,307
Bradford $2,170 $4,312
Pawcatuck $1,573 $2,962
Charlestown $2,241 $4,453

Westerly, 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) $1,907
Excellent (740-799) $2,177
Good (670-739) $2,316
Average (580-669) $3,022
Poor (300-579) $3,626

Westerly, 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
Stephen Neri Allstate 105 Franklin St, Westerly, 2891 (401) 596-7770
Schonning Insurance Liberty Mutual Independent 90 AIRPORT ROAD, WESTERLY, 2891 401-348-2000
John Conti Insurance None 35 Crestview Dr, Westerly, 2891 (401) 622-1569
Thorp & Trainer, Inc. None 107 Airport Rd, Westerly, 2891 None
Mansfield Insurance Agency Inc Liberty Mutual Independent 115 High Street, Westerly, 2891 None
Trusted Insurance Alliance Liberty Mutual Independent 279 Dexter St, PAWTUCKET, 2860 (401) 723-8510
Barton Insurance Group Inc Liberty Mutual Independent 407 Pontiac Ave, Cranston, 2910 None
Naughton Insurance Inc Travelers 1365 WAMPANOAG TRAIL, E PROVIDENCE, 2915 401-433-4000
Naughton Insurance Inc Travelers 1365 WAMPANOAG TRAIL, E PROVIDENCE, 2915 401-433-4000

Westerly, 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 +$98 $2,321
Driver's Failure In Showing Documents +$216 $2,439
Driving With An Expired Registration +$229 $2,452
Driving At A Considerably Slow Pace +$482 $2,705
Using A Cellphone While Driving +$509 $2,732
Running A Red Light +$518 $2,741
Speeding +$545 $2,768
Driving A Vehicle Without The Required Permission +$691 $2,914
Driving With An Expired/Suspended License +$1,498 $3,721

Westerly, 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 $2,134
Active Disabling Device $2,134
Tracking Device $2,090
Passive Disabling Device $2,067

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

Allstate
Allstate has treated us like family since we started out policy with them. They have helped us find great discounts, they have heped us change our premiums and been there as much as possible through all our concerns. Great company.
Erie Insurance
I think they are nice and respond back thru email. they should reach out more with incentives and, maybe help people with what to do if they are needed