Cheap Auto Insurance Quotes in East Providence, RI (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Most drivers in East Providence rely heavily on their cars, although some public transit is available and the city is somewhat walkable. Still, about 85 percent of East Providence residents drive alone to work and an additional 8 percent carpool. It’s important for these drivers to secure the right car insurance policy that provides the coverage they need.

Car Insurance in East Providence, 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 East Providence, RI to find you the cheapest quotes in the area.

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Cheapest Car Insurance in East Providence, RI

Here are the cheapest carriers in East Providence for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

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East Providence, RI Driving Facts

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.

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East Providence, RI DMV Information

There are a handful of DMVs in East Providence: Warren, Woonsocket, Middletown, Wakefield, and Westerly all have outposts. You can also get on a bus throughout East Providence.

Public Transportation in East Providence, RI

The Rhode Island Public Transit Authority has a convenient trip planner you can use to map out your route. Rideshare services like Uber and Lyft operate in the city as well. Only about 3 percent of East Providence residents use public transportation, and households have two cars on average. Most locals will therefore need car insurance to get around safely and legally. But car insurance in Rhode Island can be pricey. That’s why it’s important to compare customized rates across multiple providers.

Conclusion: How to get the best and cheapest car insurance in East Providence, RI

Auto insurance in East Providence is pricier than average, but it doesn’t have to bankrupt you. You can save hundreds of dollars per year by using Insurify to compare premiums across car insurance providers.

Don’t be one of the estimated 15.2 percent of Rhode Island drivers on the road without car insurance. Protect your vehicle and your family with the right car insurance policy that meets your coverage needs and fits your budget.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how East Providence stacks up for the state of Rhode Island:

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Hyundai Elantra
Most Popular Car in
East Providence, RI
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Cities with Most
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FAQs - East Providence, RI Car Insurance

How much does car insurance in East Providence cost?

The average cost of auto insurance in East Providence is a whopping $282 per month. That’s comparable to the state average for Rhode Island, but higher than the national average of around $234 per month. You could potentially get a lower premium by using Insurify to compare premiums across insurers; the average Insurify user saves $585 per year on car insurance.

Is Rhode Island a no-fault state?

No. Rhode Island is an at-fault state, meaning the driver who caused the accident is responsible for the damages. Typically, the at-fault driver’s insurance company will cover any repairs or medical bills.

What are the minimum car insurance requirements in East Providence?

To drive legally in East Providence, you’ll need at least $25,000 in liability coverage for bodily injury or death per person, $50,000 in total liability coverage for bodily injury or death, and $25,000 in property damage coverage per accident.