Cheapest car insurance in Charlestown, Rhode Island (Sep 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Charlestown

In Charlestown, the average
auto insurance
policy costs about per month for minimum coverage liability insurance, and about per month for full coverage insurance. Charlestown drivers pay than the
Rhode Island
Drivers looking to save on car insurance in Charlestown, Rhode Island trust Jerry. Jerry helps you
compare and buy car insurance policies
that meet your needs and budget in seconds. Check out the table below for cheap car insurance quotes Jerry found for Charlestown drivers.
Quote DateInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
September 4, 2023
Lenora, 43
Zip: 02813
Subaru Forester 2.5XS
• State Minimum Liability
• Comp / Collision
coverageLast Updated Sep 21, 2023

How'd we get this data?

Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best car insurance companies in Charlestown

There is no one-size-fits-all model for car insurance—what works for one driver may not work for another.
Car insurance quotes
vary between providers and drivers due to age, driving record, and credit score. So no single company offers the most affordable rate for every driver. 
Aside from price, there are other factors to consider when choosing an insurance provider, such as claims handling and customer service. 
For Charlestown drivers looking for the cheapest car insurance company in Rhode Island, you’re in the right place. Jerry conducted the largest insurance survey in the nation—and the results were surprising. Big-name carriers like GEICO and Progressive received good feedback for customer service, but only Liberty Mutual and Nationwide got 5/5 rankings overall. 
If you’re wondering which carrier might be your best pick, check out the table below to see how Charlestown drivers ranked different insurance companies on a scale of 0 to 5.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Charlestown

Drivers in Charlestown must carry liability insurance that meets the state-mandated requirements before getting on the road. But while minimum coverage might be all that’s required, it’s often not enough. 
Consider purchasing a full coverage policy. If you’re involved in an accident, whether at fault or not, collision and comprehensive coverage offer greater financial protection for you and your car.

Cheap minimum liability insurance quotes in Charlestown

If you’re behind the wheel in Charlestown, Rhode Island, you’ll need bodily injury and property damage liability that meets the state coverage limits. In Rhode Island, it follows the 25/50/25 rule.
Here’s a breakdown of Rhode Island’s
liability insurance
In most cases, drivers in Rhode Island must also have
uninsured motorist coverage
, but you can choose to decline the purchase if you have a policy with only the minimum limits of bodily injury and property damage liability as required by law.
With this basic liability insurance coverage, you’ll be covered up to your policy limits if you’re at fault in an accident that causes injury or property damage while driving. 
Finding affordable car insurance can be tricky—but Jerry is here to help.
Warren (43 years old)
State Minimum
locationCharlestown, RI (Zip Code: 02813)
per month

Do you need more than minimum coverage in Charlestown?

The minimum insurance requirements in Rhode Island are higher than in many other states, but most drivers purchase minimum insurance that exceeds the 25/50/25 liability coverage. 
If you’re involved in a car crash, and you or the other party sustain serious injuries or damage, the expenses can quickly add up to more than your policy limits. And if you’re found at fault, you’ll need to cover the rest of the damage costs yourself. For this reason, insurance experts generally recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you could be on the hook for covering your own medical expenses or vehicle damage.
The bottom line: For more financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Charlestown

If you don’t want to deal with the financial burden of a serious accident, investing in full-coverage
car insurance
is the way to go. 
Full-coverage insurance includes liability coverage in addition to comprehensive and collision coverage. 
  • Comprehensive coverage
    pays for damage to your car from almost all other causes, including fire, theft, vandalism, hail, ice, flooding, and animal damage. It will also cover the cost of broken glass, such as windshield damage. 
  • Collision coverage
    pays for damage that results from a collision with another car or stationary object, such as a tree or sign.
If you lease or finance your car, your lender will require you to have collision and comprehensive coverage.  
On top of a full-coverage policy, you can also purchase
uninsured motorist coverage
to protect you against injuries and property damage if you’re in a collision with a driver who doesn’t have insurance.
Check out the table below for examples of how drivers in Charlestown found affordable full-coverage insurance policies with Jerry.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Warren, 43
Zip: 02813
Subaru Forester 2.5XS
coverageLast Updated Sep 20, 2023
Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed
insurance broker
like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.
rating reverse-full
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Lower my car insurance too!

Average cost of car insurance in Charlestown

After analyzing scores of insurance providers in Charlestown, we have discovered that the average price for minimum liability coverage amounts to be per month or per year. Additionally, residents of Charlestown can expect to pay an average of per month or per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Car insurance quotes in Charlestown by rating factors 

Insurance companies in Charlestown use many rating factors when
deciding your auto insurance premium
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Charlestown?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Rhode Island currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Charlestown:

Cheap car insurance quotes in Charlestown after driving violations

Rhode Island driving record
also has a big influence on your car insurance premium. If your driving record has a long history of violations, you’re flagged as a “
high-risk driver
” and will pay more for insurance. 
Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license
  • Driving without insurance

Cheapest car insurance in Charlestown after an at-fault accident

Your accident and claims history plays a major role in how much you pay for car insurance. That said, having
accident forgiveness
on your policy can help prevent your rates from spiking.
Drivers who have had one or more at-fault accidents can often see high insurance premiums—check out how Jerry helped Charlestown drivers with an accident on their record find affordable insurance.

Cheapest car insurance in Charlestown after other driving violations

Speeding tickets, DUIs, and at-fault accidents aren’t the only reasons your insurance could increase. Other driving violations, such as
reckless driving
and driving without insurance, can also cause your car insurance costs to increase in Charlestown
To get a better idea of how violations can cause rates to vary, here’s a look at the rates Jerry users have found for various violations.

Cheap car insurance quotes in Charlestown by age

Teen drivers
aged 16 to 19 and those without an
unrestricted driver’s license
see some of the highest insurance rates of any age demographic due to limited driving experience. After age 25, safe drivers typically see their car insurance rates decrease—but they’ll start to increase again in their mid-70s.

Cheap car insurance quotes in Charlestown based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Loretta (43 years old)
Currently Insured
State Minimum
locationCharlestown, RI (Zip Code: 02813)
per month
Mabel (43 years old)
Currently Insured
State Minimum
locationCharlestown, RI (Zip Code: 02813)
per month
Sean (43 years old)
Currently Insured
State Minimum
locationCharlestown, RI (Zip Code: 02813)
per month
Gary (43 years old)
Currently Insured
State Minimum
locationCharlestown, RI (Zip Code: 02813)
per month
Virginia (43 years old)
Currently Insured
State Minimum
locationCharlestown, RI (Zip Code: 02813)
per month

How to lower car insurance costs in Charlestown

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.


People living in Charlestown pay on average per month – or per year – on state-minimum liability coverage. Full coverage in Charlestown costs on average per month of per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 
Based on thousands of Charlestown drivers Jerry has worked with, car insurance in Charlestown costs an average of per month for state-minimum coverage and per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!   
The state-minimum car insurance in Charlestown, Rhode Island is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Liberty Mutual
receive good ratings from Charlestown drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.