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Cheapest car insurance in Warwick, Rhode Island (Nov 2024)
Cheapest car insurance in Warwick, Rhode Island (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Warwick, Rhode Island.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
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 Warwick, Rhode Island
- Best car insurance companies in Warwick
- Best cheap car insurance quotes in Warwick
- Average cost of car insurance in Warwick
- Car insurance quotes in Warwick by rating factors
- How do different factors impact your car insurance costs in Warwick?
- Cheap car insurance quotes in Warwick after driving violations
- Cheap car insurance quotes in Warwick by age
- Cheap car insurance quotes in Warwick based on insurance history
- Cheap car insurance quotes in Warwick for popular cars
- How to lower car insurance costs in Warwick
- FAQ
- Methodology
- Sources
- Meet our experts
Load full table of contents
Warwick Car Insurance: Quick Facts
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 company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $211 | Clayton, 38 Zip: 02886 | Hyundai Santa FE SE | • State Minimum Liability |
| Nationwide | $116 | Alice, 28 Zip: 02889 | Volvo S60 T5 | • State Minimum Liability • Comp / Collision |
| Safeco | $61 | Martin, 38 Zip: 02889 | Hyundai Accent GS | • State Minimum Liability |
Last Updated Nov 18, 2024Best car insurance companies in Warwick
If “best” means the most popular Rhode Island car insurance companies, these are the top five:
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 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.
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:
- $50,000 bodily injury liability per accident
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.
Bill (37 years old)
$154
per month
Alice (28 years old)
CoverageState Minimum
Warwick, RI (Zip Code: 02889)
Volvo S60 T5$116
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 coveragepays 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 coveragepays 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 coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $154 | Bill, 37 Zip: 02888 | Nissan Rogue S |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $171 | Teresa, 45 Zip: 02886 | Dodge Challenger R/T |
• State Minimum Liability • Comp / Collision | Nationwide | $116 | Alice, 28 Zip: 02889 | Volvo S60 T5 |
• State Minimum Liability • Comp / Collision | Safeco | $102 | Tony, 37 Zip: 02886 | KIA Sportage EX |
Last Updated Nov 18, 2024Finding 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.
"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.
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 Code | Average State Minimum Coverage Rate | Average 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
.5Knowing 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
- 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?
How do different factors impact your car insurance costs in Warwick?
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 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.
Nannie (31 years old)
$254
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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $296 | Alexander, 30 Zip: 02888 | Chevrolet Silverado K1500 LTZ | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $241 | Maud, 23 Zip: 02886 | Honda Accord Sport | • State Minimum Liability • Comp / Collision |
Not At Fault | Nationwide | $99 | Lela, 41 Zip: 02889 | Lexus RX 350 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Travelers | $125 | Martha, 41 Zip: 02889 | Lexus RX 350 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 17, 2024Cheapest 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.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Yield | Progressive | $191 | Bernice, 22 Zip: 02889 | Ford Focus ZX4 | • State Minimum Liability |
Failure to Obey Signal | Safeco | $161 | Jordan, 32 Zip: 02888 | Lexus ES 300 | • 50,000/100,000 Liability • Comp / Collision |
Improper Passing | Safeco | $102 | Jon, 26 Zip: 02889 | Nissan Versa Note S | • State Minimum Liability |
Last Updated Nov 22, 2024Cheap 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.
Emma (23 years old)
$450
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. George (73 years old)
$84
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:
Lawrence (36 years old)
$154
per month
Clayton (41 years old)
$99
per month
Cameron (36 years old)
$154
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
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 | $102 | Jeremy, 52 Zip: 02886 | Mazda 3 | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $211 | Dale, 38 Zip: 02886 | Hyundai Santa FE SE | • State Minimum Liability |
660 - 750 | Progressive | $211 | Timothy, 38 Zip: 02886 | Hyundai Santa FE SE | • State Minimum Liability |
550 - 659 | Progressive | $450 | Herman, 23 Zip: 02889 | Hyundai Santa FE SE | • State Minimum Liability |
< 550 | Progressive | $154 | Cameron, 36 Zip: 02888 | Nissan Rogue S | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Warwick for popular cars
Judging from the state’s five most popular cars, you could add “The Toyota State” to Rhode Island’s list of unofficial nicknames:
Toyotas are among the
cheapest cars to insure
because they’re safe, they’re reliable, and they have great anti-theft measures. However, their high value and advanced technology make them costly to repair.Staying on top of maintenance means you pay less for repairs and are less likely to get into a car accident. With Jerry, you’ll have access to integrated maintenance and insurance payment reminders, so you never miss an important date.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 XLE | Progressive | $163 | Henry, 49 Zip: 02889 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024How 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.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
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.
Sources
Meet our experts
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
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.