Cheap Auto Insurance Quotes in Cranston, RI (January 2022)

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Car Insurance in Cranston, RI

The average cost of Rhode Island car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Cranston, RI to find you the cheapest quotes in the area.
$238
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$319
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ProgressiveTravelersLiberty MutualAmerican Family

Cheapest Car Insurance in Cranston, RI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Rhode IslandProvidenceWarwickPawtucketEast ProvidenceCranston
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Cranston, RI Driving Facts

rhode-island

Minimum Car Insurance Requirements in RI

The state of Rhode Island requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Rhode Island are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that Rhode Island state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in Rhode Island are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Rhode Island requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

Insurify Insights: How Cranston Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Cranston, RI
suspended licenses
#5
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Cranston drivers measure up to their fellow Rhode Island motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Cranston

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Cranston drivers rank 4 in the number of car accidents per driver across all cities in Rhode Island.

  • Rank within state: #4
  • Percent of drivers in Cranston with an accident: 12.38%
  • Drivers in Cranston, RI with an accident in their driving history paid on average 61.65% more than drivers with a clean record

Speeding in Cranston

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Rhode Island, Cranston drivers rank 6 in the number of speeding infractions per driver.

  • Rank within state: #6
  • Percent of drivers in Cranston with a speeding ticket: 4.79%
  • Drivers in Cranston, RI with a speeding ticket in their driving history paid on average 79.57% more than drivers with a clean record

DUI/DWIs in Cranston

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cranston drivers rank 1 in the number of DUI’s per driver across all cities in Rhode Island.

  • Rank within state: #1
  • Percent of drivers in Cranston with a DUI: 1.1%
  • Drivers in Cranston, RI with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude in Cranston

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Rhode Island, Cranston drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Cranston with a reckless driving violation: 1.6%
  • Drivers in Cranston, RI with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Cranston

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cranston drivers rank 2 in clean driving records across all cities in Rhode Island.

  • Rank within state: #2
  • Percent of drivers in Cranston with clean record: 83.43%

Failure to Yield the Right of Way in Cranston

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Cranston drivers rank 4 in failure to yield violations per driver across all cities in Rhode Island.

  • Rank within state: #4
  • Percent of drivers in Cranston with a failure to yield violation: --%
  • Drivers in Cranston, RI with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Cranston

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Rhode Island, Cranston drivers rank 4 in the number of reckless driving offenses per driver.

  • Rank within state: #4
  • Percent of drivers in Cranston with a reckless driving offense: --%

Most Popular Vehicle in Cranston

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Cranston is the Honda Accord.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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