Rhode Island Car Insurance for High Risk Drivers (With Quotes)

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.

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.

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:

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:

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:

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.

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.

Compare Top Auto Insurance Companies

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