Cheap Car Insurance in Cranston, RI
Free Auto Insurance Comparison
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Written by
Chris Tepedino
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Reviewed by
Rachael Brennan
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UPDATED: Nov 17, 2020
It’s all about you. We want to help you make the right coverage choices.
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As recently as 2006, Cranston was voted one of the 100 best places to live, according to Money magazine. It is a small city well known for a relatively low crime rate. Back on March 10, 2010, Cranston celebrated its centennial anniversary. It is also the home of one of the biggest outdoor pools in the US, Budlong Pool.
- Fun fact: got a light? Because Cranston is #35 on a list of “Top 101 counties with the highest percentage of residents that smoked 100+ cigarettes in their lives”. Thinking of learning more about Cranston? Click here!
Auto Insurance Coverage Requirements in Rhode Island
Driving legally in Cranston requires:
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 25,000/50,000 | 100,000/300,000 |
| Property Damage Liability | 25,000 | 50,000 |
| Uninsured Motorist Bodily Injury | Required (see note above) | 100,000/300,000 |
| Medical Payments | Not required | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 250 deductible |
However, keep in mind that purchasing the state mandatory minimum insurance coverage is extremely limited in what claims it will pay out. For theft, vandalism, or an accident that is the other driver’s fault, your insurance will not cover you.
The average motorist in Rhode Island might find themselves paying as high as $168 per month for their automotive insurance – while smart Cranston drivers can get great deals as low as $82*/mo! To learn how to become one of these few, keep reading.
State Farm and Amica have some of the most affordable rates for Cranston drivers currently. However, there’s more to good automotive insurance coverage than a low monthly rate. Do they have friendly customer service? Will they pay out on claims as outlined in your agreement? Make sure you get good background information on all your prospective insurance companies before you make a final decision.
Auto insurance providers consider various factors when determining insurance rates, especially gender, geography, occupation, the number of years you’ve been driving, and the presence (or lack of) a theft protection device. Moreover, premiums are different amongst providers. To verify you are still getting the cheapest premium, compare cheap Cranston auto insurance estimates over the internet.
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Major Car Insurance Factors in Cranston
When your car insurance company gets ready to come up with your insurance policy, they take several parameters into account. Some of these, like how old you are or maybe your precise location, tend to be difficult to change. Here are various additional examples:
Your Zip Code
Where you store your car each night will likely have a serious impact on your car insurance rate. Generally, car insurance cost less in outlying areas simply because a lower number of cars indicates a reduced possibility that you will get in a wreck with some other vehicle. The population of Cranston is 80,566 plus the general family earnings are $61,441.
Automotive Accidents
Take a look at the serious accident statistics in the chart above. The more accidents that happen in your area, the more likely it is that your monthly premiums will rise. Of course, you can always contact your insurer and ask about Safe Driver discounts.
Auto Thefts in Cranston
Living in a big metropolis (Especially any that has a substantial rate of crime) raises your likelihood of becoming a target of auto thieves. In cases where your regular location has high statistics of auto theft claims filed, you can expect to spend a lot more for car insurance to counterbalance these costs. The total amount of taken motor vehicles in the year 2013 was 140 for Cranston. But even if theft is uncommon in your area, adding some Comprehensive coverage to your policy isn’t a bad idea.
Your Credit Score
Your credit score can have a bigger impact on your monthly premiums than you might think. Just look at the data presented in the following chart. For someone with excellent credit, their monthly premium might be anywhere from 50-75% cheaper than the monthly costs for someone with poor credit.
Your Age
Young, inexperienced drivers will generally be charged much higher rates per month than someone in their 30’s, 40’s, or beyond. The less experience you have behind the wheel, the more likely you are to cause an accident. Charging teenage drivers a higher premium is the insurance company’s way of offsetting potential expenses.
Your Driving Record
Another major factor which influences your auto insurance premiums is your driving record. For minor violations, such as a speeding ticket or a “fender-bender”, your insurance will increase somewhat (anywhere between 18-30%, depending on the violation). However, some companies with an “Accident forgiveness” policy may ignore past discrepancies from your record. But for more serious violations, such as a DUI, your car insurance rates could double in price virtually overnight. Some major providers might discontinue your coverage entirely for being cited with a DUI or a reckless driving violation.
Your Vehicle
Generally speaking, the only major factor which auto insurance companies care about is how much it will cost them to replace your car in the event of a serious accident. Because luxury vehicles, such as porches, are so much more expensive than regular sedans, you can see in the chart above that monthly premiums for these automobiles are much higher.
Minor Car Insurance Factors in Cranston
Don’t forget about the following factors when trying to alter your monthly rate:
Your Marital Status
For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.
Your Gender
Think men are terrible drivers? Well, your insurance provider will most likely beg to differ. Many companies these days are offering the exact same monthly premiums, regardless of gender. And providers who charge different premiums for men and women only do so by a few dollars per month.
Your Driving Distance to Work
You might spend anywhere from 19 to 27 minutes commuting in Cranston, but the typical commute usually lasts a little over twenty minutes. More than 81% of citizens will be travelling by using their own individual vehicle, and slightly less than 11% will carpool.
Some companies will adjust your rate based on why you drive, or how far you drive each year. Even though your provider might request this information from you, driving a few thousand miles each year for pleasure tends to cost about the same as driving tens of thousands of miles for work, give or take a few percentage points. However, if your automobile is registered as a business vehicle on your insurance policy, you could be looking at 10-15% higher premiums each month.
Your Coverage and Deductibles
Obviously, someone who only buys the state minimum mandatory coverage will pay less per month than a driver with additional coverage on their policy. If you feel you need more than the mandatory minimum coverage, but don’t want to pay expensive premiums each month, try raising your deductible. This is especially economical for safe drivers who don’t anticipate a need to file multiple claims.
Education in Cranston, RI
Just under 29% of the Cranston population is made up of proud high school graduates, while an additional 21% have yet to complete their high school education. And if you’re wondering what education has to do with auto insurance, consider this: providers have been increasing the discounts offered to highly educated drivers in recent years.
Because Rhode Island is such a dense state, commuting to nearby cities for your educational needs is fairly simple. However, if you can’t commute that far, the city limits of Cranston have a few options for you. Sanford-Brown, for starters, is a technical school for healthcare professionals and working adults to improve upon their current skills or learn new ones. The International Institute of Rhode Island caters to immigrants and refugees in the New England area who are in need of an advanced education.
Discovering inexpensive auto insurance may become a problem for some. There’s lots of important information to evaluate, and understanding exactly how insurance providers construct your risk profile might be challenging. But don’t let a shady insurance company to convince you to buy an insufficient policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Sources:
Rhode Island Department of Business Regulation – Insurance Regulation
Rhode Island Department of Business Regulation – Division of Banking – Banks/Financial Institutions
Department of Highway Safety and Motor Vehicles
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