- 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
Cheapest car insurance in Rhode Island for a bad driving record
If you have a bad driving record in Rhode Island, Progressive, Nationwide, American Family offer affordable car insurance. However, Progressive has the lowest average rate of $2,652.
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 bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,597 in Rhode Island, you can find rates as low as $2,652 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.
Keep reading as we break down high-risk car insurance factors and rates.
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 |
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.
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 |
Cheapest car insurance in Rhode Island with multiple tickets
The cheapest insurer for drivers with multiple traffic tickets is Progressive, with rates averaging $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
American Family offers the cheapest rates for drivers with reckless driving convictions 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
The cheapest Rhode Island insurer for bad credit is Nationwide, with rates averaging $2,761 or $230. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer’s perspective, higher risk means an increased chance of filing 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 statistics show that drivers with lower credit scores are in this category.
Check 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.
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