Cheap Auto Insurance Quotes in East Providence, RI (October 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.

See More:

• Cheap Car Insurance Rhode Island

• Compare Car Insurance

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

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.

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.

See More:

• High-risk Car Insurance Rhode Island

• DUI Car Insurance Rhode Island

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.

See More: Bad Credit Car Insurance Rhode Island

Find local East Providence agents

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.

For more detailed Rhode Island city level guides, check out these below.

• Average Cost of Car Insurance Rates in Rhode Island

• DUI Car Insurance Rates in Rhode Island

• High-Risk Driver Car Insurance Rates in Rhode Island

• Rhode Island Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Rhode Island

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