Cheapest car insurance for high-risk drivers in Rhode Island

Cheapest car insurance in Rhode Island for a bad driving record

Progressive, Nationwide, American Family provides affordable car insurance for high-risk drivers with bad driving record in Rhode Island.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning youll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Progressive	$1,841	$2,652
Nationwide	$1,911	$3,062
American Family	$1,833	$3,076
Travelers	$1,946	$3,234
Allstate	$2,993	$4,257
GEICO	$2,292	$4,551
State Farm	$1,319	$5,034
Farmers	$3,336	$5,349
Amica	$2,206	$5,593
USAA	$1,147	$1,696

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How much is high-risk car insurance in Rhode Island?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Rhode Island, high-risk car insurance costs $3,597 per year. However, you can get rates as low as $2,652 annually from Progressive.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Rhode Island, RI is $2,929

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Company	Annual premium for clean record	Annual premium after violation
State Farm	$1,319	$1,706
Progressive	$1,841	$1,927
Travelers	$1,946	$2,655
GEICO	$2,292	$2,813
Nationwide	$1,911	$2,891
American Family	$1,833	$3,071
Amica	$2,206	$3,780
Farmers	$3,336	$4,400
Allstate	$2,993	$4,720

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Rhode Island?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Rhode Island with a DUI

While many insurers offer coverage after a DUI, Progressive has the lowest rate at $2,280 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Rhode Island.

Company	Average annual premium for clean record	Annual premium for a DUI
Progressive	$1,841	$2,280
American Family	$1,833	$2,808
Travelers	$1,946	$3,181
Nationwide	$1,911	$3,679
Allstate	$2,993	$4,475
Farmers	$3,336	$5,705
GEICO	$2,292	$7,839
Amica	$2,206	$9,037
USAA	$1,147	$2,101

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Cheapest car insurance in Rhode Island with multiple tickets

For drivers with multiple tickets, Progressive offers the lowest premiums, averaging $2,534 per year or $211 per month.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Rhode Island how much having multiple tickets can raise their insurance premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Progressive	$1,841	$2,534
American Family	$1,833	$2,696
Nationwide	$1,911	$2,752
Travelers	$1,946	$2,878
Allstate	$2,993	$3,691
GEICO	$2,292	$3,848
Farmers	$3,336	$4,518
Amica	$2,206	$4,611
USAA	$1,147	$1,306

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Cheapest car insurance in Rhode Island with a reckless driving conviction

American Family offers the cheapest rates for drivers with reckless driving convictions at $2,808 per year.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

Company	Average annual premium for clean record	Annual premium for reckless driving
American Family	$1,833	$2,808
Progressive	$1,841	$2,866
Travelers	$1,946	$3,181
Nationwide	$1,911	$3,679
Allstate	$2,993	$4,475
GEICO	$2,292	$4,810
Farmers	$3,336	$5,705
Amica	$2,206	$6,662
USAA	$1,147	$1,671

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Cheapest car insurance in Rhode Island with bad credit

In Rhode Island, Nationwide provides the lowest premiums for drivers with poor credit, averaging $2,761 per year or $230 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Rhode Island.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,911	$2,761
Amica	$2,206	$3,041
GEICO	$2,292	$3,112
Progressive	$1,841	$3,163
Travelers	$1,946	$4,404
American Family	$1,833	$4,750
State Farm	$1,319	$5,034
Allstate	$2,993	$5,522
Farmers	$3,336	$7,131
USAA	$1,147	$2,482

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Cheapest car insurance after an accident in Rhode Island

Progressive has the lowest rates after an accident at $1,927 a year. GEICO also has affordable rates at $2,813 a year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Progressive	$1,841	$1,927	$2,034
GEICO	$2,292	$2,813	$2,958

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Cheapest car insurance in Rhode Island by city

In Rhode Island, the lowest car insurance rates are found in Newport, averaging $2,904 annually. On the other hand, Central Falls has the highest rates at $4,474 a year.

Where you live in Rhode Island matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
Newport	$1,655	$2,904
Bristol	$1,825	$3,180
Shannock	$1,840	$3,214
Woonsocket	$2,077	$3,647
Warwick	$2,121	$3,745
Hope	$2,152	$3,760
East Providence	$2,262	$3,920
Pawtucket	$2,452	$4,261
Providence	$2,495	$4,282
Central Falls	$2,538	$4,474

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How to reduce car insurance rates in Rhode Island for a bad driving record

Finding affordable car insurance in Rhode Island is possible, even with a bad driving record. Ways to lower car insurance rates include:

Where you live in Rhode Island also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Rhode Island?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.