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Rhode Island Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Rhode Island (2022)
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.
| Carrier | Avg. Monthly Cost |
|---|---|
| Nationwide | $295 |
| Travelers | $365 |
| Liberty Mutual | $421 |
| American Family Insurance | $476 |
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
No Violation$317
At-Fault Accident$399
Reckless Driving$412
Speeding Ticket$419
Failure to Stop$451
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 | Avg. Monthly Cost |
|---|---|
| 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:
No Violation - Avg. Monthly Rate$317
Speeding ticket - Avg. Monthly Rate$419
$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:
No Violation - Avg. Monthly Rate$317
Speeding ticket - Avg. Monthly Rate$399
$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.
No Violation - Avg. Monthly Rate$317
Speeding ticket - Avg. Monthly Rate$451
$134 ▴
Avg. Monthly Rate Increase
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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.
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
FAQs - Rhode Island Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Rhode Island. Insurify analyzed the latest data for the five most populous cities in Rhode Island to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Rhode Island and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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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.
Content Writer at Insurify
Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.