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If you're looking for the best and cheapest car insurance in Central Falls, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Central Falls and prepared this guide for you.

The average cost of auto insurance in Central Falls for full coverage is $2,126 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Central Falls. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Central Falls

According to a study by Insurance.com, the cheapest car insurance companies in Central Falls for 2023 are USAA and State Farm.

USAA is the cheapest option for most Central Falls drivers, with an average annual rate of $1,087.

Car insurance cost may vary in Central Falls based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Central Falls

CompaniesAverage Annual Rates
USAA$1,087
State Farm$1,265
Travelers$1,838
Nationwide$2,061
American Family$2,103
Geico$2,313
Progressive$2,400
Amica Mutual$2,708
Allstate$3,358

Cheapest car insurance cost in Central Falls by Age Group

The cheapest auto insurance company in Central Falls for teen drivers is State Farm. For full coverage, its average annual rate for Central Falls drivers is $4,148. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Central Falls at about $2,031 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Central Falls is the USAA. Its average rate for a full coverage car insurance policy is $1,136 per year.

If you are a senior driver in Central Falls and looking for a cheap car insurance company, then consider buying insurance from the USAA. It is the cheapest auto insurance company for senior drivers with an average premium of $1,153 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$3,414$3,621$8,507$5,359
American Family$2,232$2,351$6,535$3,753
Amica Mutual$2,702$3,563$15,038$5,153
Geico$2,320$2,340$8,980$3,729
Nationwide$2,088$1,939$7,604$3,714
Progressive$2,492$2,562$13,315$4,582
State Farm$1,292$1,247$4,148$2,447
Travelers$1,825$2,013$19,982$4,135
USAA$1,136$1,153$6,288$2,031

Cheapest car insurance companies in Central Falls by driver profile

Car insurance rates in Central Falls vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Central Falls, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Central Falls based on driver profile.

Cheapest for a driver with poor credit: State Farm

The cheapest car insurance company for a driver with poor credit is State Farm. It offers auto insurance for Central Falls drivers at about $2,605 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
State Farm$2,605
USAA$2,633
Travelers$2,881
Nationwide$2,947
Geico$3,139
Progressive$4,209
American Family$5,080
Allstate$6,098

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Central Falls. It offers full coverage car insurance for drivers age 30 at about $1,265 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
State Farm$1,265
USAA$1,398
Travelers$2,330
Nationwide$2,456
American Family$3,020
Progressive$3,431
Geico$3,864
Allstate$4,044

Cheapest auto insurance after an at-fault accident: USAA

USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Central Falls is $1,228. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
USAA$1,228
State Farm$1,419
Travelers$2,061
Nationwide$2,403
American Family$2,467
Progressive$2,517
Geico$2,838
Allstate$3,929

Cheapest auto insurance after a DUI: State Farm

State Farm is the carrier that offers cheap auto insurance rates in Central Falls for drivers after a DUI. Its average annual rate for full coverage is $1,265.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
State Farm$1,265
USAA$2,260
Travelers$2,461
Progressive$3,081
American Family$3,246
Nationwide$3,909
Allstate$4,816
Geico$7,881

Average car insurance cost in Central Falls

The average car insurance rate in Central Falls for full coverage is $2,126 per year or $177 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Central Falls is $716 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$2,126$716

Methodology

Insurance.com commissioned 2022 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2022.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Rhode Island

East Providence
$1,867/year
Hope
$1,809/year
Newport
$1,326/year
Pawtucket
$2,050/year
Providence
$2,293/year
Shannock
$1,477/year
Warwick
$1,776/year
Woonsocket
$1,660/year

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