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Rhode Island Car Insurance for High Risk Drivers (With Quotes)
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Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka
Updated March 9, 2022
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 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. |
|---|---|
| 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 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. |
|---|---|
| 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
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.
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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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- Personalized quotes in 5 minutes or less
- No signup required
Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurance Writer
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.
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