- Cheapest car insurance in Rhode Island for a bad driving record
- How much is high-risk car insurance in Rhode Island?
- Cheapest car insurance in Rhode Island with a DUI
- Cheapest car insurance in Rhode Island with multiple tickets
- Cheapest car insurance in Rhode Island with a reckless driving conviction
- Cheapest car insurance in Rhode Island with bad credit
- Cheapest car insurance after an accident in Rhode Island
- Cheapest car insurance in Rhode Island by city
- How to reduce car insurance rates in Rhode Island for a bad driving record
- Compare Rhode Island high-risk driver car insurance rates with other states
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 you'll 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 |
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. However, you can get rates as low as $2,652 from Progressive.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
PEOPLE ASK:
Who is considered high-risk for insurance in Rhode Island?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in Rhode Island with a DUI
While many insurers offer coverage after a DUI, Progressive provides the average cheapest coverage for $2,280.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after 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 |
Cheapest car insurance in Rhode Island with multiple tickets
Progressive is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,534 or $211.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.
This table shows Rhode Island drivers how much multiple tickets increase 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 |
Cheapest car insurance in Rhode Island with a reckless driving conviction
Drivers with reckless driving conviction can get the cheapest rates from American Family at $2,808.
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.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| 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 |
Cheapest car insurance in Rhode Island with bad credit
Nationwide offers the cheapest rates for drivers with poor credit at $2,761 or $230. However,drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects Rhode Island car insurance.
| 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 |
Cheapest car insurance after an accident in Rhode Island
Progressive has the lowest rates after an accident at $1,927. Geico also has affordable rates at $2,813.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving 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 |
Cheapest car insurance in Rhode Island by city
Newport has the cheapest car insurance rates in Rhode Island at $2,904. But the most expensive city is Central Falls with rates of $4,474.
Your location in Rhode Island also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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 |
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:
- 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're seen as a high-risk driver in Rhode Island depends on the rules of your insurance company. The state decides how long a violation stays on your driving record, but your insurance company decides how long they'll charge you for it.
Compare Rhode Island high-risk driver car insurance rates with other states
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