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.
See More: Cheap Car Insurance Rhode Island
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| Insurance Provider in East Providence | |
|---|---|
Progressive | $190/mo |
 Travelers | $255/mo |
 Liberty Mutual | $313/mo |
 American Family | $370/mo |
| Providence | $200/mo |
| Warwick | $284/mo |
| Cranston | $301/mo |
| Pawtucket | $332/mo |
| East Providence | $282/mo |
| Rhode Island | $280/mo |
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:
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:
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.
In East Providence, drivers in their 50s seem to pay the most, but folks in their 20s are not far behind at $288. As driving experience increases, prices tend to go down. Another way to say this is that decades turn into dollars. People right around retirement, in their 60s, slide below $100 per month, which is less than a third of the state average.
| Driver's Age | |
|---|---|
| teens | N/A |
| 20s | $336 |
| 30s | $282 |
| 40s | $430 |
| 50s | $206 |
| 60s | $320 |
| 70s | N/A |
| 80s | N/A |
| Driving History | |
|---|---|
| No Violation | $319 |
| Speeding Ticket | N/A |
| Number of Quotes | N/A |
| At-Fault Accident | $344 |
| Failure to Stop for Red Light / Stop Sign | $344 |
Rhode Islanders may have guessed that those with clean driving records pay the least for car insurance. That happens to be the case in East Providence. Safe drivers qualify for the “good driver” and “accident-free” discounts from insurance companies. An at-fault accident or a failure-to-stop ticket will both bump up a driver’s rate by $25 per month, translating to $300 per year. But it’s not all bad news because after three years, accidents and tickets stop affecting rates.
See More: High-risk Car Insurance Rhode Island
See More: DUI Car Insurance Rhode Island
Like most states in the U.S., the Ocean State allows insurance companies to look at credit as a factor when setting rates. Many drivers would argue their credit score has nothing to do with their ability to drive. But the insurance companies claim the numbers tell a different story. Even so, why do those with poor credit pay less than those with better credit? Often, people with better credit finance costlier cars and need higher coverage levels to protect their assets.
| Credit Tie | |
|---|---|
| Excellent | N/A |
| Good | $423 |
| Average | $311 |
| Poor | $298 |
See More: Bad Credit Car Insurance Rhode Island
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.
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.
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 East Providence 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.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in East Providence is the Honda Accord.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. East Providence drivers rank -- in the number of DUI’s per driver across all cities in Rhode Island.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Rhode Island, East Providence drivers rank -- in the number of speeding infractions per driver.
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.
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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