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Cheap SR 22 Auto Insurance in Rhode Island: Best Companies & Quotes
Personal Finance Expert
Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
Best Car Insurance Companies in Rhode Island
- Amica Mutual
|AM Best Financial Strength Rating||A+||A+||A++||A+||A||A+|
|JD Power 2019 Overall Customer Satisfaction score||3/5||2/5||3/5||5/5||3/5||3/5|
|Avg Annual Premium||$1,244||$1,484||$1,697||$1,737||$2,007||$2,355|
|Consumer Reports Reader Score||75||N/A||78||89||N/A||72|
|BBB Rating||A+||A+||A+||A+||Not Rated||A+|
Auto Insurance Statistics in Rhode Island
Top 10 Cheapest Car Insurance Companies in Rhode Island
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Other drunk drivers occupying the road is one of the primary reasons to carry auto insurance on your vehicle. The below statistics show drunk driving fatalities in Rhode Island which had been higher than the national average but declined after reaching a peak in the year 2015, which is good to know. Reviewing drunk driving fatalities can prove insight into how safe it is to drive in the state of Rhode Island.
Drunk driving fatalities in Rhode Island from 2013 to 2017
Teen Drinking and Driving
According to data from the Centers for Disease Control, teen drinking and driving has been incrementally higher than the national average. The below data depicts the incidences of teen drinking and driving when compared with the national averages.
Teen Drinking & Driving in Rhode Island vs. Nationwide (2017)
SR-22 Insurance in Rhode Island
While Rhode Island was originally a state that required SR-22 filings, this process changed in 2018. The state announced that it would no longer be accepting SR-22 filings from its residents. This means that in most cases you won't be expected to provide evidence of this form of insurance.
Still, it's always important to have good insurance coverage in the state of Rhode Island. Make sure to compare your current insurance policy with other providers — it's a great way to ensure you have the best available rates on the market. Additionally, if you've been banned from driving, you still need to make sure you're following all regulations before you get behind the wheel again — even if Rhode Island no longer requires SR-22 policies.
Risk of vehicle theft in Rhode Island
While buying car insurance, it is helpful to be aware of the risks of vehicle theft in the United States as well as in the state of Rhode Island. In 2012, vehicle thefts in Rhode Island were much higher than the national average. According to a report by the Federal Bureau of Investigation (FBI), the number dropped in 2015 and has now remained significantly below average. Residents of Rhode Island seem to be on the right path when it comes to car theft prevention.
Vehicle Thefts in Rhode Island
Carrying some type of auto insurance with a minimum of at least liability insurance coverage is mandatory nationwide. However, across the country, motorists continue to try to evade the law and drive without proper auto insurance coverage. Below are statistics that show the percentages of uninsured motorists from 1992 to 2015.
Estimated Percentage Of Uninsured Motorists in the USA, 2010-2015
Rhode Island and Automotive Insurance
Auto insurance is essential for anyone who drives and owns a vehicle, period. It doesn’t matter if you live in Rhode Island, New York or North Dakota, either. Auto insurance coverage is 100 percent vital for a variety of important reasons. Good car insurance coverage can offer an invaluable financial defense. If you have to deal with a time-consuming lawsuit or accident, this protection can offer you peace of mind. Solid car insurance coverage can also cover fees associated with accident, trauma. and injury.
Finding Car Insurance in Rhode Island
Rhode Island is a tiny New England state that’s as beautiful as it is modern and convenient. If you’re on the lookout for a good car insurance plan in the Ocean State, you’re in luck. There are many plans out there that may be perfect for your individual needs. People who want to find A+ car insurance in Rhode Island should be just as patient and attentive as those anywhere else. There are so many options available in Rhode Island. Choosing an auto insurance provider quickly and carelessly can often be a major mistake. Your aim should be to take the time to thoroughly and cautiously conduct research. In to long run, your goal is to save as much as you can.
Kinds of Coverage Available in Rhode Island
Be sure to explore all of the kinds of coverage available to drivers in Rhode Island. Examples are property damage liability, bodily injury liability, collisions, medical payments and uninsured motorists. It isn’t only important to review the varieties of coverage that are available, either. It’s equally important to review how much they cost. Other facets are important, too. You also have to learn about the specific requirements that are in place for Rhode Island drivers. Typical coverage amounts in the state are yet another key consideration.
Finding a cheap auto insurance plan in Rhode Island is all about taking your time and shopping around. Driving is a big part of your life. That’s why you should take a serious and in-depth approach to the auto insurance selection process. Ask trustworthy Rhode Island drivers if they have any excellent cheap auto insurance provider suggestions for you. The locals would probably know where to find the best deals. Call reputable auto insurance companies all throughout the state to compare quotes. Use the Internet to your advantage as well. There are quite a few websites that offer helpful and convenient auto insurance quote comparisons. These sites tend to be up-to-date and reliable as well. You always want to avoid making the mistake of trusting old information online.
Prominent Rhode Island Car Insurance Providers
Rhode Island is just like most other states in that it’s home to an abundance of diverse and well-known auto insurance providers. Some of these companies are cheaper than others, too. Some popular car insurance agencies that serve the state are Quincy Mutual, State Farm, and Geico. If you’re trying to decide which providers to contact first, you should think about a few important matters. Think about the state’s basic auto insurance requirements. You need to have liability coverage in Rhode Island. This coverage can pay for victim property damage and medical treatment in the event that you cause a collision. The better you understand auto insurance basics in Rhode Island, the easier it will be for you to select a well-rounded and affordable plan that will help you sleep better at night.
Other Choices in Insurance in Rhode Island
If you want to choose an excellent Rhode Island car insurance plan that’s cheap and thorough, you should also assess your choices in “extras.” An uninsured motorist plan may offer you more ease of mind. The same goes for an underinsured motorist plan. People who are interested in extras may want to seek guidance from professionals in the state. A skilled and experienced insurance agent should be able to help you explore inexpensive paths to extra coverage. You don’t have to settle for the bare minimum. Finding cheap car insurance in Rhode Island is a process that requires significant dedication and patience. If you want to feel confident in your Rhode Island car insurance decision, it can always help to recruit the advice of a knowledgeable insurance agent. Seasoned agents know the ins and outs of coverage in the region.
Types of Auto Insurance Coverage in Rhode Island:
- Property Damage Liability Insurance
- Bodily Injury Liability Insurance
- Comprehensive Insurance Coverage
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
Minimum Requirements for Auto Insurance in Rhode Island
The Division of Insurance in Rhode Island mandates liability insurance coverage for each vehicle in the state.
Liability minimums requirements:
- $25,000 to cover accident-involved property damage
- $25,000 per individual injured.
- $50,000 per injury accident.
Cheap Auto Insurance Discounts
At Cheap Auto Insurance, our goal is to provide comprehensive information that assists you in selecting the lowest car insurance rates available in Rhode Island. One of the best ways we have uncovered that drivers can reduce their auto insurance rates is with little-known auto insurance discounts. Here are some of the most common discounts which, when implemented, can save you on the cost of monthly or yearly auto insurance premiums.
- Mature driver discount
- Military or Veteran discount
- Multi-car auto insurance discount
- Senior citizen discount
- Good student discount
- Low-mileage discount
- Car safety features discount
- Anti-theft discount
- Defensive driving discount
- Bundling insurance policies discount
- Infrequent usage discount
General Auto Insurance in Rhode Island
In this section, you will find answers to commonly asked auto insurance in Rhode Island questions.
Why is general auto insurance not available in Rhode Island?
How to decide on the best auto insurance in Rhode Island based on consumer reports?
How long do you have to register a car and get insurance after purchase in Rhode Island?
What car insurance is available in Rhode Island?
- State Farm
- Quincy Mutual
- Allstate Insurance
- Nationwide Insurance
- MetLife Insurance
- Encompass Insurance
Fill out our form and compare auto insurance quotes side by side including some of these companies who insure in your area.
What are the car insurance laws in Rhode Island?
What year was mandatory car insurance in Rhode Island?
How to litigate an auto insurance claim in Rhode Island?
How does an officer know ID auto insurance is valid in Rhode Island?
How to get a car legal and with insurance without a license in Rhode Island?
How to buy car insurance in Rhode Island?
How long does it take for an auto insurance premium payment to be returned unpaid in Rhode Island?
In Rhode Island, what do you do when an auto insurance company drops you from auto insurance?
In Rhode Island, how long can you insure a dependent for auto insurance?
How much motorcycle insurance do I need in Rhode Island?
No Insurance in Rhode Island
In this section, you will find frequently asked questions pertaining to the lack of insurance in Rhode Island and possible consequences.
What happens if you don’t have car insurance in Rhode Island?
Do Rhode Island drivers who have no car, need car insurance?
How much are you penalized for not having auto insurance?
How much is the fine for no auto insurance card in Rhode Island?
How to get a no proof of car insurance ticket in Rhode Island?
Auto Insurance Price in Rhode Island
This section covers the basics of auto insurance prices in Rhode Island and answers questions about price hikes in insurance within the state.
How much is car insurance in Rhode Island?
Why is car insurance so expensive in Rhode Island?
Why did my auto insurance go up by 15% in Rhode Island?
How much would auto insurance be for an 18 year old in Rhode Island?
Who has the lowest car insurance rates for the state of Rhode Island?
- State Farm-$1,000 for an annual rate with the state minimum insurance.
- Progressive-$1,100 for an annual rate.
- GEICO Insurance-$1,200 for a yearly premium.
- Quincy Mutual-$1,500 for a yearly rate.
- Allstate Insurance-$1,900 for an annual premium.
- Encompass Insurance-$2,000 yearly.
How much is car insurance in Rhode Island per month?
What is a normal car insurance rate in Rhode Island?
How much is car insurance for a 16 year old in Rhode Island?
What is the cheapest car insurance in Rhode Island?
What is the average car insurance payment in Rhode Island?
Which city in Rhode Island has the cheapest car insurance rates?
What is the best and most affordable auto insurance in Rhode Island?
How much is Rhode Island auto insurance for a 23 year old woman?
What is a normal monthly price for car insurance in Rhode Island?
How much does it cost for a new teen driver for auto insurance in Rhode Island?
What is the best town with the best car insurance rates in Rhode Island?
How much is cargo auto insurance in Rhode Island?
How much does full coverage car insurance cost in Rhode Island?
In Rhode Island, how do you find the lowest car insurance?
How much does a speeding ticket in Rhode Island raise cost of auto insurance?
Auto Insurance Coverage in Rhode Island
In this section, you will find frequently asked questions pertaining to auto insurance coverage in the state of Rhode Island.
What is the minimum car insurance coverage in Rhode Island?
What is the standard car insurance coverage in Rhode Island?
What is the minimum liability coverage in Rhode Island for auto insurance?
How long does your existing insurance cover a new car in Rhode Island?
What is Rhode Island state minimum for property damage on car insurance?
What insurance is needed to register a car in Rhode Island?
Who can be covered under a Rhode Island auto insurance policy?
What are recommended auto insurance coverages in Rhode Island?
What kind of high risk insurance do you get after a DUI?
How do I transfer Ohio car insurance to Rhode Island?
Auto Insurance Companies in Rhode Island
In this frequently asked question section, you will find answers to commonly asked questions regarding auto insurance companies in Rhode Island.
What car insurance companies are in Rhode Island?
- Allstate Insurance
- GEICO Insurance
- State Farm Insurance
- Nationwide Insurance
- Progressive Insurance
- Hartford Insurance
- Amica Insurance
- Farm Family Insurance
- Quincy Insurance
- Grange Mutual Insurance
- Encompass Insurance
- MetLife Insurance