Best Warwick, RI Auto Insurance in 2024

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Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Licensed Insurance Agent

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

UPDATED: Aug 2, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you looking for cheap auto insurance in Warwick, RI? At AutoInsuranceEZ.com, you could get the cheapest insurance rates for your area. To acquire free car insurance quotes offered by the major providers now, provide your zip code in the quote box on this site.

Warwick, Rhode Island has a lot in common with its neighbor city, Providence; however, there are distinct differences. What once began as an outpost for early colonial settlers soon grew into one of the strongest manufacturing bases in the northeastern United States. Today, its economy has diversified into tourism and financial services, yet still exudes a small town feel.

  • Fun fact: Hey, does that person look familiar to you? Because Warwick is #12 on the list of “Top 100 least racially diverse cities (pop. 50,000+)”. Thinking of learning more about Warwick? Click here!

Auto Insurance Coverage Requirements in Rhode Island

Driving legally in Warwick 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

Are you still making payments on a new car? Well, it’s important to let your insurance company know up front. Many lenders won’t let you purchase any kind of insurance which doesn’t contain Comprehensive and Collision coverage. Otherwise, you’ll probably be free to buy the bare minimum state mandatory limits.

Did you know that the average monthly payment for motorists in Rhode Island can be as high as $168 per month? However, in Warwick, you can get insured for as low as $75/mo* of you know how to play your cards right.

Average Monthly Auto Insurance PremiumsLegend: Warwick State Farm Amica Peerless Allstate Nationwide 102030405060708090100$50$63$81$76$104

State Farm
Amica
Peerless
Allstate
Nationwide


10
20
30
40
50
60
70
80
90
100



$50

$63

$81

$76

$104

 

As you can see, the most competitive rates being offered in Warwick right now are from Amica and State Farm. However, there are other factors at play, such as customer service and ease of claim filing. Depending on what company attributes are more important to you, a slightly higher premium might be worth the money in the long run.

Auto insurance providers consider various factors when determining insurance rates, especially gender, geography, occupation, the number of years you have driven, and the presence of a theft protection device. Moreover, premiums vary wildly from provider to provider. To verify you are in fact still receiving the cheapest premium, compare cheap Warwick auto insurance prices over the internet.

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Major Car Insurance Factors in Warwick

Any time your automobile insurance agency prepares to come up with your insurance policy, they take lots of issues into account. Some, for instance your age or your specific location, are generally difficult to alter. Below are some other 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 Warwick is 81,971 plus the general family earnings are $68,548.

Auto Insurance by Zip CodeLegend: Cranston Pawtucket Providence Warwick East Providence State Farm Amica Peerless Allstate Nationwide 153045607590105120$50$50$50$50$50$69$65$72$63$65$81$77$77$81$77$90$84$121$76$70$122$113$132$104$108

State Farm
Amica
Peerless
Allstate
Nationwide


15
30
45
60
75
90
105
120







$50
$50
$50
$50
$50





$69
$65
$72
$63
$65





$81
$77
$77
$81
$77





$90
$84
$121
$76
$70





$122
$113
$132
$104
$108

 

Automotive Accidents

Thankfully, the rate of serious accidents in Warwick is relatively low, as the chart above shows. This is also good news because areas with fewer accidents automatically see discounts in monthly insurance premiums.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit State Farm Amica Peerless Allstate Nationwide 153045607590105120135$42$85$46$120$70$91$56$139$90$142

Fatal accident count
Vehicles involved in fatal crashes
Fatal crashes involving drunk persons
Fatalities
Persons involved in fatal crashes
Pedestrians involved in fatal accidents


2
4
6
8
10



7

10

2

7

11

1

 

Auto Thefts in Warwick

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 2013 was limited to 85 in Warwick, which is a significant decrease in recent years. This means that carrying Comprehensive coverage, or maintaining a low deductible, might not be necessary.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage State Farm Amica Peerless Allstate Nationwide 153045607590105120135150165180195210$50$112$69$148$81$215$90$152$122$138

State Farm
Amica
Peerless
Allstate
Nationwide


15
30
45
60
75
90
105
120
135
150
165
180
195
210




$50
$112


$69
$148


$81
$215


$90
$152


$122
$138

Your Credit Score

You may not think about your credit score that often, but your auto insurance company sure does. By examining the chart below, you can see what a significant difference your credit score can make. For some companies, your monthly premium could skyrocket by 75% or more if you are currently suffering from a poor credit score.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit State Farm Amica Peerless Allstate Nationwide 153045607590105120135$42$85$46$120$70$91$56$139$90$142

State Farm
Amica
Peerless
Allstate
Nationwide


15
30
45
60
75
90
105
120
135




$42
$85


$46
$120


$70
$91


$56
$139


$90
$142

 

Your Age

The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old State Farm Amica Peerless Allstate Nationwide 50100150200250300350$50$158$69$301$81$330$90$167$122$391

State Farm
Amica
Peerless
Allstate
Nationwide


50
100
150
200
250
300
350




$50
$158


$69
$301


$81
$330


$90
$167


$122
$391

Your Driving Record

The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer).

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Amica Peerless Allstate Nationwide 20406080100120140160180$50$50$50$65$69$83$189$74$81$104$91$104$90$92$122$119$122$114$147$130

State Farm
Amica
Peerless
Allstate
Nationwide


20
40
60
80
100
120
140
160
180






$50
$50
$50
$65




$69
$83
$189
$74




$81
$104
$91
$104




$90
$92
$122
$119




$122
$114
$147
$130

 

Your Vehicle

Thinking about purchasing insurance for a luxury vehicle? If you can afford it, go right ahead – but keep in mind that you will need an equally luxurious insurance policy to keep yourself protected from accident- and theft-related expenses. Economical cars, on the other hand, don’t require as much coverage, and therefore have lower monthly rates.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Amica Peerless Allstate Nationwide 20406080100120140160180200220240$50$140$69$158$81$227$90$184$122$258

State Farm
Amica
Peerless
Allstate
Nationwide


20
40
60
80
100
120
140
160
180
200
220
240




$50
$140


$69
$158


$81
$227


$90
$184


$122
$258

 

Minor Car Insurance Factors in Warwick

Most people either don’t know or don’t think that the following factors will influence their rates much:

Your Marital Status

For many years, drivers have been under the impression that your marital status can play a major factor in your monthly car insurance premiums. In truth, it depends more on your insurance company than anything. Certain providers charge married couples more, while others might charge less. Most providers don’t charge any difference at all – and even if they do, it might not amount to more than a few dollars per month. However, married couples can save a great deal of money by bundling their insurance policies together.

Your Gender

Our analysis of the data shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. But even for companies who charge different prices, it usually varies by no more than 2-3%.

Your Driving Distance to Work

Warwick commutes can be as short as 21 minutes, or as long as 28 minutes on average – but the typical trip usually lasts somewhere between 23 and 26 minutes. Close to 87% of drivers use their own means of transportation to get around (generally a car or truck), while 3-11% like carpooling.

Do you think you’ll pay higher insurance rates for driving more miles each year? Or for driving for pleasure instead of commuting to work/school? Well, the truth is that only business vehicles see a significant rate hike (about 10-12%/month). All other variables will only change your monthly premium by a few dollars.

Your Coverage and Deductibles

Trying to save money every month on your insurance? Many drivers achieve this goal by purchasing less coverage. But you can also purchase a few extra coverage benefits and offset the monthly cost for yourself by raising your deductible. Just make sure you put a little money away, should you need to shell out the cash in the event that you need to file a claim.

Education in Warwick, RI

There are many high school and college graduates who live in Warwick; they make up 32% and 16% of the population, respectively. Furthermore, those college graduates have a lot of savings to look forward to with respect to their auto insurance bill, because most providers will offer them a significant discount.

Warwick is home to many institutions of higher learning, including the Community College of Rhode Island. The CCRI offers associate’s degrees or professional certification in a number of different careers. There is also the New England Institute of Technology, a private school which educates students in various engineering and architectural programs. Those students willing to drive a little farther can also take advantage of nearby schools in Providence.

Obtaining reasonably priced car insurance can be a hassle. There’s a lot of important information to contemplate, and determining exactly how insurance companies assess your prospective risk might be challenging. But try not to allow the wrong insurance company to convince you to buy a second-rate 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

City-Data.com

Census.gov

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Free Auto Insurance Comparison

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