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Cheapest car insurance in Warwick, Rhode Island (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Warwick, Rhode Island.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
Warwick Car Insurance: Quick Facts
  • Warwick drivers pay an average of $82 per month for minimum coverage
  • Warwick drivers pay an average of $153 per month for full coverage
  • The average rate of car insurance in Warwick car insurance is lower than the national average and comparable to the state average
  • Rhode Island’s minimum insurance requirements are 25/50/25 of liability insurance

How to find the cheapest car insurance quotes in Warwick, Rhode Island

With 39 miles of coastline and a plethora of historical attractions, the second-largest city in
Rhode Island
offers a fantastic getaway. It may owe its relaxed atmosphere in part to its
cheap car insurance
rates, which fall below the national average.
The right insurance discounts and vehicle features can lower your annual premiums even more. Comparing personalized car insurance quotes with
Jerry
lets you choose from the best rates from over 55 top providers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$211
Mathilda, 38
Zip: 02886
Hyundai Santa FE SE
• State Minimum Liability
Nationwide
$99
Luis, 41
Zip: 02889
Lexus RX 350
• State Minimum Liability
• Comp / Collision
Safeco
$61
Garrett, 37
Zip: 02889
Hyundai Accent GS
• State Minimum Liability
coverageLast Updated Apr 6, 2024

Best car insurance companies in Warwick

If “best” means the most popular Rhode Island car insurance companies, these are the top five:
  1. Berkshire Hathaway
  2. Amica
  3. USAA
However, if you’re looking for a winning combination of customer service, easy claims process, and affordability, you may be interested in the results of Jerry’s national
insurance shopping
survey. Thousands of verified policyholders voted
National General
the cheapest car insurance company with the best customer service, while
Nationwide
made it easiest to file a car insurance claim. 
You can see how Jerry users rated the five biggest auto insurance companies in the Ocean State in different categories below:
Insurance companyOverall ratingPriceClaims experienceCustomer 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
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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 Warwick

Drivers in Warwick 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 Warwick

If you’re behind the wheel in Warwick, 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 minimums:
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.
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Hulda (36 years old)
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02888)
$154
per month
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Garrett (37 years old)
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02889)
$61
per month
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Leah (41 years old)
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02889)
$125
per month

Do you need more than minimum coverage in Warwick?

You probably need more than the minimum liability coverage in Warwick.
While motor vehicle theft rates are low, and the area experiences few natural disasters, median income and property values are high and still growing.1 Many Warwickians drive expensive vehicles. If you get into an at-fault accident, a total loss or serious injury could wipe out your finances.
Bottom line: Expert insurance agents recommend carrying at least $50,000 of bodily injury liability per person, $100,000 of bodily injury liability per accident, and $100,000 of property damage liability per accident.

Cheap full coverage car insurance quotes in Warwick

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 Warwick found affordable full-coverage insurance policies with Jerry.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$154
Hulda, 36
Zip: 02888
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
Nationwide
$99
Cornelia, 41
Zip: 02889
Lexus RX 350
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$171
Steve, 44
Zip: 02886
Dodge Challenger R/T
• State Minimum Liability
• Comp / Collision
Safeco
$102
Rosie, 36
Zip: 02886
KIA Sportage EX
coverageLast Updated Apr 12, 2024
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.
Lower my car insurance too!

Average cost of car insurance in Warwick

The average minimum-liability car insurance policy in Warwick costs $82 per month and $984 per year. The average cost of full-coverage auto insurance is $153 per month and $1,836 per year.
These costs compare favorably with the average cost of car insurance for national and Rhode Island drivers:
Coverage type
Warwick
Rhode Island
United States
State minimum coverage
$987
$798
$927
Full coverage
$1,846
$1,821
$1,984
But while an average can give you a general idea of what residents pay in your area, it’s rare for that to be exactly what you’ll pay—in part because providers use so many different factors to
calculate your car insurance premiums
. Jerry helps you comparison-shop with greater accuracy by requesting only personalized auto insurance quotes.

Average cost of car insurance in Warwick by zip code

The cost of car insurance in Warwick can greatly differ depending on your specific zip code. Each individual zip code within Warwick has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
2886
$80
$176
2888
$76
$157
2889
$125
$134

Why is car insurance so average in Warwick?

Warwick isn’t a completely average town, but it has just the right mix of cost-cutting and cost-raising rating factors to produce average auto insurance rates. Remember, the more risk, the more premiums you pay:
Auto theft: Warwick has a below-average rate of motor vehicle thefts, which lowers the cost of comprehensive coverage.2
Income: Warwickians have above-average incomes and more expensive cars—which means more expensive auto insurance.3
Natural disasters: While its location on the coast puts Warwick at greater risk of property damage from hurricanes, it’s less likely to experience tornadoes or earthquakes.4
Population: Warwick’s population is entirely urban, which means more traffic and higher accident rates—but it’s no
Los Angeles
or
New York
.5
Knowing these factors is useful, but it can be difficult to determine how they concretely affect your rates. Jerry lets you change details and request car insurance quotes as often as you like, so you can preview the financial impact of a new purchase or extra coverage options.

Car insurance quotes in Warwick by rating factors 

Insurance companies in Warwick 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 Warwick?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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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 Warwick:

Cheap car insurance quotes in Warwick after driving violations

Your
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 Warwick 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.
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Lucas (30 years old)
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02889)
$132
per month

Cheapest car insurance in Warwick 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 Warwick drivers with an accident on their record find affordable insurance.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$296
Jayden, 30
Zip: 02888
Chevrolet Silverado K1500 LTZ
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Safeco
$241
Evelyn, 23
Zip: 02886
Honda Accord Sport
• State Minimum Liability
• Comp / Collision
Not At Fault
Nationwide
$99
Dorothy, 41
Zip: 02889
Lexus RX 350
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$125
Lou, 41
Zip: 02889
Lexus RX 350
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 12, 2024

Cheapest car insurance in Warwick 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 Warwick
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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$191
Brett, 22
Zip: 02889
Ford Focus ZX4
• State Minimum Liability
Failure to Obey Signal
Safeco
$161
Bruce, 32
Zip: 02888
Lexus ES 300
• 50,000/100,000 Liability
• Comp / Collision
Improper Passing
Safeco
$102
Cora, 26
Zip: 02889
Nissan Versa Note S
• State Minimum Liability
coverageLast Updated Apr 10, 2024

Cheap car insurance quotes in Warwick 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 Warwick for young drivers

Drivers under 19 pay the highest insurance rates out of any age group in Warwick. 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 also keep rates low.
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Vera (23 years old)
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02889)
carHyundai Santa FE SE
$450
per month
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Chad (23 years old)
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02886)
$241
per month

Cheapest car insurance in Warwick 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.
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Isabelle (70 years old)
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02886)
$48
per month
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Eric (75 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationWarwick, RI
(Zip Code: 02889)
$75
per month

Cheap car insurance quotes in Warwick 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:
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Luella (36 years old)
Currently Insured
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02888)
$154
per month
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Steve (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02889)
$99
per month
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Dylan (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02889)
$61
per month
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Claudia (44 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationWarwick, RI
(Zip Code: 02886)
$171
per month
card cover
Isabella (36 years old)
Currently Insured
coverageCoverage
State Minimum
locationWarwick, RI
(Zip Code: 02888)
$154
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$102
Thomas, 52
Zip: 02886
Mazda 3
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$211
Barry, 38
Zip: 02886
Hyundai Santa FE SE
• State Minimum Liability
660 - 750
Progressive
$211
Ruth, 38
Zip: 02886
Hyundai Santa FE SE
• State Minimum Liability
550 - 659
Progressive
$450
Gavin, 23
Zip: 02889
Hyundai Santa FE SE
• State Minimum Liability
< 550
Progressive
$154
Isabella, 36
Zip: 02888
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 7, 2024

How to lower car insurance costs in Warwick

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.

FAQ

How much is car insurance in Warwick?

People living in Warwick pay on average $82 per month – or $984 per year – on state-minimum liability coverage. Full coverage in Warwick costs on average $153 per month or $1,836 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.

What is the cheapest car insurance in Warwick?

Based on thousands of Warwick drivers Jerry has worked with, car insurance in Warwick costs an average of $82 per month for state-minimum coverage and $153 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!

What is the minimum car insurance in Warwick, Rhode Island?

The state-minimum car insurance in Warwick, 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.

What is the best car insurance in Warwick?

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, 
Progressive
, and 
Nationwide
 receive good ratings from Warwick 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.

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

avatar
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Amy Bobinger
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.