East Coast vs West Coast car insurance rates
We reviewed more than 574,000 car insurance quotes for drivers in all states on the east and west coasts. We sourced the data from our more than 1 million total customer quotes provided between July 2020 to July 2021.
By doing this, we found that residents of East Coast states like Rhode Island with no violations pay, on average, 45% more per month than West Coast residents. That works out to about $80 more a month.
We also found some differences in what women and men pay for car insurance, with women on the East Coast paying on average $73 more per month, while men on the East Coast pay $86 more per month than West Coast drivers.
In fact, most of our data shows that in most states on the east and west coasts, men pay more than the women in that state.
Why is car insurance so expensive in Rhode Island?
When it comes to analyzing the data on just a state-by-state basis, there are numerous theories behind why car insurance is so expensive in Rhode Island.
The report also says that more people in Rhode Island are driving, which means there are more accidents, and thus more claims and payouts. There were approximately 76 fatal crashes in the state in 2018, versus 52 fatal crashes in 2014.
In addition, with increased car insurance costs, more drivers are going uninsured. According to WalletHub, 15% of drivers lacked even minimum
liability insurancein Rhode Island in 2015. Unfortunately, the cost of uninsured drivers is passed on to consumers through higher premiums.
WalletHub reports that In Rhode Island, the average collision claim raises a driver’s rates by $1,660.20 in Rhode Island. This amounts to $4,981 over the course of three years.
Where you live in Rhode Island also affects how much you pay for car insurance. According to
U.S. News, Woonsocket, RI, residents pay the lowest rates for car insurance at 14% less than the average rate, while residents of the state capital of Providence pay an average of 16% more.
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