Cheap Car Insurance for High-Risk Drivers in Rhode Island:
Costs and Quotes (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in Rhode Island.

Enter your zipcode to get started

Facebook following

24,000

Followers

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes


Cheapest Insurance Companies for High Risk Drivers in Rhode Island (2021)

For drivers that are high-risk in Rhode Island, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Rhode Island. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Rhode Island.

What Makes a Driver High-Risk in Rhode Island?

Insurance companies define a high-risk driver as someone more likely to file a claim than an average driver. You can end up on the list by no fault of your own, or your actions could make it happen. Just what precisely puts a person in the category?

First-time drivers, teenage drivers, and those age 65 or older are all high-risk—likewise those with no credit or poor credit. You also earn a spot for the following blunders: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. Several factors lead to a high-risk status, but you can still find a reasonable rate in Rhode Island.

Rhode Island Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$317
$419
$399
$412
$451
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Rhode Island?

No one aspires to be a high-risk driver. It's a part of life that just happens. Whether a speeding ticket, fender bender, or quick-changing red light put you on the list, will you have to pay high prices forever?

Fortunately, most insurance companies only look back three years at driving histories. To save while you wait, compare coverages and quotes, avoid tickets and accidents, and shop around every six months. Looking at these rates for various high-risk driving offenses:

Driving History
No Violation$317
Speeding Ticket$419
At-Fault Accident$399
Reckless Driving$412
Failure to Stop$451

How Much Does a Speeding Ticket Impact Car Insurance Rates in Rhode Island?

Speeding infractions are some of the most common citations that drivers receive. Rhode Island police officers and law enforcement officials nationwide catch drivers speeding all the time, as you may know from personal experience! A speeding ticket will kick your rate up by over $100 per month, or $1,200 per year. Here's how that change breaks down:

$317
$419
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$102 ▴Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Rhode Island?

From a fender bender to a severe wreck, anytime the insurance company pays a claim after an accident, expect rates to go to the moon. A crash bumps the premium up by over $80 per month, or $960 per year. Check out these numbers that make defensive driving even more valuable:

$317
$399
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$82 ▴Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Rhode Island?

It's easy to roll through a stop sign or catch the traffic light turning from orange to red as you pass through an intersection. When you get a ticket, your rate goes up by $130 per month, or $1,500 per year. Look at that number long enough, and you'll have all the reason you need to be a tad more careful in the Ocean State.

$317
$451
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$134 ▴Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Rhode Island?

Insurance companies define a high-risk driver as someone more likely to file a claim than an average driver. You can end up on the list by no fault of your own, or your actions could make it happen. Just what precisely puts a person in the category?

First-time drivers, teenage drivers, and those age 65 or older are all high-risk—likewise those with no credit or poor credit. You also earn a spot for the following blunders: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. Several factors lead to a high-risk status, but you can still find a reasonable rate in Rhode Island.

Tips for Researching High-Risk Rhode Island Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Rhode Island draws a wide variety of choices when factoring high-risk driving insurance rates.

Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

See All Auto Insurance Companies

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.