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Cheapest car insurance in Pawtucket, Rhode Island (Nov 2024)
Cheapest car insurance in Pawtucket, Rhode Island (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Pawtucket, Rhode Island.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance quotes in Pawtucket
- Best car insurance companies in Pawtucket
- How do different factors impact your car insurance costs in Pawtucket?
- Cheap car insurance quotes in Pawtucket after driving violations
- Cheap car insurance quotes in Pawtucket by age
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Pawtucket
In Pawtucket, the average
auto insurance
policy costs about $131 per month for minimum coverage liability insurance, and about $216 per month for full coverage insurance. Pawtucket drivers pay 7% more than the Rhode Island
average. If you’re looking to save on car insurance in Pawtucket, Rhode Island, start by using
Jerry
. Jerry helps you compare and buy car insurance policies
that meet your needs and budget in seconds. Check out the table below for free quotes Jerry found for Pawtucket drivers.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $121 | Joshua, 28 Zip: 02860 | KIA Sportage EX | • State Minimum Liability |
| Allstate | $273 | Josie, 32 Zip: 02861 | Toyota RAV4 LE | • State Minimum Liability • Comp / Collision |
| Safeco | $155 | Derek, 26 Zip: 02861 | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
| Nationwide | $121 | Augusta, 48 Zip: 02861 | Mazda CX-9 | • State Minimum Liability |
Last Updated Nov 20, 2024Best car insurance companies in Pawtucket
To help Pawtucket drivers find the best coverage, 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 and claims process, but only Liberty Mutual and Nationwide got 5/5 rankings overall.
If you’re wondering which carrier might be your top pick, check out the table below to see how Pawtucket drivers ranked different insurance companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.7 | 4.4 | N/A | 4.7 |
| Travelers | 4.3 | N/A | N/A | |
| Safeco | 4.3 | 3.3 | N/A | 4.7 |
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.
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.
Do you need more than minimum coverage in Pawtucket?
Drivers in Pawtucket must carry liability insurance that meets the state-mandated requirements. In Rhode Island, liability limits follow the 25/50/25 rule.
Uninsured motorist coverage
is also offered, but you can choose to decline it in writing. Here’s a breakdown of Rhode Island’s liability insurance minimums:
- $50,000 bodily injury liability per accident
The minimum insurance requirements in Rhode Island are higher than in many other states, but most drivers need coverage that exceeds the current limits.
A full-coverage policy includes liability coverage in addition to
comprehensive coverage
and collision coverage
to pay for collision and non-collision related events (such as theft, vandalism, natural disasters, and more). Without full coverage, you’re likely to be underinsured in even minor accidents—and physical damage to your own vehicle won’t be covered by your insurance.For more financial protection, also consider raising your liability limits to 50/100/50 or 100/300/100.
Remember: If you lease or finance your car, your lender will require you to have collision and comprehensive coverage.
How do different factors impact your car insurance costs in Pawtucket?
How do different factors impact your car insurance costs in Pawtucket?
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 about the car insurance rating factors in Pawtucket:
Cheap car insurance quotes in Pawtucket after driving violations
Your
Rhode Island driving record
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 Pawtucket after DUI
A DUI violation in Rhode Island can send you car insurance rates through the roof. Having a DUI charge on your driving record classifies you as a high-risk driver, and many insurers aren’t willing to offer high-risk car insurance.
But there’s good news—some insurers charge less for car insurance for drivers with a major violation on their record, so it can pay to shop around.
Rhode Islanders have found affordable policies with Jerry after receiving a DUI.
Cheapest car insurance in Pawtucket 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 often see high insurance premiums—check out how Jerry helped Pawtucket drivers with an accident on their record find affordable insurance.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $271 | Jacob, 36 Zip: 02860 | Nissan Murano S | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Allstate | $227 | Leroy, 33 Zip: 02860 | Nissan Rogue S | • State Minimum Liability |
Not At Fault | Safeco | $71 | Lillian, 35 Zip: 02861 | Honda Odyssey EXL | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Allstate | $227 | Glen, 33 Zip: 02860 | Nissan Rogue S | • State Minimum Liability |
Last Updated Nov 23, 2024Cheap car insurance quotes in Pawtucket 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.Cheapest car insurance in Pawtucket for young drivers
Drivers under 19 pay the highest insurance rates out of any age group in Pawtucket.
For teen drivers with a new car, purchasing a full coverage policy is recommended. Limited driving experience means a higher risk of getting into a car crash, so full coverage can offer greater financial protection and peace of mind—and staying on a parent's insurance policy can help keep rates low.
Maggie (21 years old)
$203
per month
Carl (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Pawtucket, RI (Zip Code: 02860)
$366
per month
Cheapest car insurance in Pawtucket for senior drivers
Seniors are also hit hard when it comes to insurance premiums.
Car insurance rates for seniors
start to rise around 75 for several reasons—namely that older drivers are more susceptible to severe injuries and mortality if involved in an accident and have slower reflexes that can increase the risk of a collision. Jessie (76 years old)
$124
per month
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They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $130 | Charlie, 33 Zip: 02860 | Toyota RAV4 XLE | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $138 | Shane, 33 Zip: 02860 | Jeep Patriot Sport | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $138 | Glenn, 33 Zip: 02860 | Jeep Patriot Sport | • State Minimum Liability • Comp / Collision |
550 - 659 | Progressive | $226 | Herman, 33 Zip: 02860 | Honda Accord EXL | • State Minimum Liability |
< 550 | Progressive | $313 | Allie, 24 Zip: 02860 | Jeep Patriot Sport | • State Minimum Liability |
Last Updated Nov 24, 2024FAQ
How much is car insurance in Pawtucket?
People living in Pawtucket pay on average $131 per month – or $1,572 per year – on state-minimum liability coverage. Full coverage in Pawtucket costs on average $216 per month or $2,589 per year.
What is the cheapest car insurance in Pawtucket?
Based on a recent Jerry survey, real policyholders in Pawtucket reported that Progressive, Travelers, and Safeco offer the most affordable coverage and insurance services.
What is the best car insurance in Pawtucket?
Liberty Mutual,
Progressive
, and Nationwide
receive good ratings from Pawtucket drivers, based on the largest car insurance survey in the nation conducted by Jerry.What is the minimum car insurance in Pawtucket, Rhode Island?
The state-minimum car insurance in Pawtucket, 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.
Uninsured motorist coverage must be offered, but can be declined in writing.
Methodology
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
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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.