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

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

Quick Facts

  • The average cost of car insurance in East Providence is $250 per month, or $3000 annually.
  • Car insurance in East Providence is $14 more than the average cost of car insurance in Rhode Island.
  • The cheapest car insurance provider in East Providence on average is Safeco, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$190
Travelers
$255
Liberty Mutual
$313
American Family
$370

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!
Insurance Provider in East ProvidenceQuotes
Progressive$190 /mo
Travelers$255 /mo
Liberty Mutual$313 /mo
American Family$370 /mo

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Average Car Insurance Cost

Rhode Island Cities
Providence$200/mo
Warwick$284/mo
Cranston$301/mo
Pawtucket$332/mo
East Providence$282/mo
Rhode Island$280/mo
Providence
$200
Average for RI
$280
East Providence
$282
Warwick
$284
Cranston
$301
Pawtucket
$332
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Rhode Island

All motor vehicles operated or parked on Rhode Island roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Rhode Island[1] are:

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

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Rhode Island is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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.

Driver's AgeAvg. Monthly Cost
teensN/A
20s$336
30s$282
40s$430
50s$206
60s$320
70sN/A
80sN/A

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.

Driving HistoryAvg. Monthly Cost
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 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.

Credit TierAvg. Monthly Cost
ExcellentN/A
Good$423
Average$311
Poor$298

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
View more

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.

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

  • 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.
  • 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.
  • 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.

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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.

Insurify Insights

How East Providence Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in East Providence, Rhode Island below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how East Providence drivers measure up to their fellow motorists across Rhode Island in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Corolla

Most Popular Car in East Providence

#9

City with the Most Speeding Tickets Rank in Rhode Island

#10

City with the Most Moving Violations Rank in Rhode Island

#1

City with the Most DUIs Rank in Rhode Island

#10

City with the Most Suspended Licenses in Rhode Island

  • 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 Toyota Corolla.

  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. East Providence 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 East Providence with a DUI: N/A
  • 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 9 in the number of speeding infractions per driver.

    • Rank within state: #9
    • Percent of drivers in East Providence with a speeding ticket: N/A
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. Rhode Island Department of Business Regulation Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022