Cheap Auto Insurance Quotes in East Providence, RI (January 2022)

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Last Updated: January 2022

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.
ProgressiveTravelersLiberty MutualAmerican Family

Cheapest Car Insurance in East Providence, 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

Rhode IslandProvidenceWarwickCranstonPawtucketEast Providence
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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.

East Providence Car Insurance Rates by Driver Age

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.

Driving History
No Violation$319
Speeding TicketN/A
Number of QuotesN/A
At-Fault Accident$344
Failure to Stop for Red Light / Stop Sign$344

East Providence Car Insurance Rates by Driving and Accident History

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.

East Providence Car Insurance Rates by Credit Tier

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.

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.

Find local East Providence agents

Lezaola Thompson Insurance, Inc. 
2761 Pawtucket Ave, East Providence, RI 02914-3347
Naughton Insurance, Inc 
1365 Wamponoag Trail, East Providence, RI 02915
Cross Insurance, Inc - Rhode Island 
376 Newport Ave, East Providence, RI 02916
Stateline Insurance & Financial Services, Inc. 
520 North Broadway, East Providence, RI 02914-2132
The Agency Paiva, LLC 
194 Warren Avenue, East Providence, RI 02914-4803
Starkweather & Shepley Insurance Brokerage, Inc. 
60 Catamore Blvd, East Providence, RI 02914-1206
Cross Insurance - RI 
376 Newport Ave, East Providence, RI 02916-2141
Starkweather & Shepley Inc
60 Catamore Blvd, East Providence, RI 02914
Harold E. Beaudoin Insurance, Inc. 
73 Taunton Ave, East Providence, RI 02914-4534
Builders Insurance Group Inc. 
450 Veterans Memorial Pkwy, East Providence, RI 02914

Insurify Insights: How East Providence Drivers Measure Up

Honda Accord
Most Popular Car in
East Providence, RI
suspended licenses
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 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.

Most Popular Vehicle in East Providence

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.

DUI/DWIs in East Providence

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.

  • Rank within state: #--
  • Percent of drivers in East Providence with a DUI: {{percentDrivers}}%
  • Drivers in East Providence, RI with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in East Providence

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.

  • Rank within state: #--
  • Percent of drivers in East Providence with a speeding ticket: {{percentDrivers}}%
  • Drivers in East Providence, RI with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

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.

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.


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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