Cheapest car insurance companies in Warwick 

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

The car insurance company in Warwick that provides the cheapest car insurance premiums is State Farm, with an average annual rate of $1,517 .

Car insurance costs may vary in Warwick 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 Warwick.

CompaniesAverage annual rates
USAA$1,178
State Farm$1,517
Progressive$1,788
Nationwide$1,805
American Family$1,928
Travelers$2,014
Amica Mutual$2,209
Geico$2,244
Allstate$3,169
Farmers$3,365

Cheapest car insurance cost in Warwick by Age Group 

In Warwick, State Farm is the cheapest car insurance company for teenagers, offering full coverage policies at $4,342 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

USAA provides the cheapest car insurance coverage for young drivers in Warwick, with an annual premium of $2,133 on average.

An analysis of car insurance rates for Warwick drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $1,210 per year.

If you are a senior driver in Warwick and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,256 per year

CompanyTeensYoung AdultsAdultsSeniors
TravelersN/A$2,874$1,986$2,372
State Farm$4,342$2,648$1,514$1,536
Nationwide$5,750$2,959$1,773$1,724
USAA$6,289$2,133$1,210$1,256
American Family$6,390$3,406$2,023$2,221
Geico$7,195$3,587$2,274$2,413
Allstate$8,419$5,256$3,184$3,299
Progressive$9,188$3,202$1,818$1,942
Amica Mutual$10,820$5,065$2,173$2,470
Farmers$11,932$5,773$3,376$3,328

Cheapest car insurance companies in Warwick by driver profile 

Insurers in Warwick consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

Finding the cheapest car insurance in Warwick requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit. 

In Warwick, these insurance companies offer cheap car insurance rates based on your driver profile.

Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Warwick drivers is $2,008

The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores. 

CompanyAverage annual rates
Geico$2,008
USAA$2,188
Travelers$2,425
State Farm$2,605
Nationwide$2,804
Progressive$3,190
Allstate$5,326

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

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$1,265
USAA$1,295
Travelers$2,010
Geico$2,663
Progressive$2,727
Nationwide$2,761
Allstate$3,593

If you've had an accident, USAA might be your best bet for affordable auto insurance.

For Warwick drivers with an at-fault accident, USAA offers the cheapest average annual rate at $1,033. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
USAA$1,033
State Farm$1,381
Travelers$1,786
Geico$1,838
Progressive$1,968
Nationwide$2,201
Allstate$3,278

Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Warwick for drivers with a DUI, with an average annual premium of $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. 

CompanyAverage annual rates
State Farm$1,265
USAA$2,159
Travelers$2,364
Progressive$2,871
Nationwide$4,380
Allstate$5,408
Geico$6,132

Average car insurance cost in Warwick 

In Warwick, the average annual cost for full coverage car insurance is around $2,121, which breaks down to approximately $177 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Warwick is about $709.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
$2,121$709

Methodology

Insurance.com commissioned 2023 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 2023.

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. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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