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Cheap Auto Insurance Quotes in Pawtucket, RI (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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With an average of two cars per household, Pawtucket residents are no strangers to hitting the open road. And as they drive around Rhode Island’s fourth-largest city, they’ll want to be sure they’re protected with car insurance that fits their lifestyle and budget.
Whether they’re driving to McCoy Stadium, the home of the city’s minor league baseball team, or heading to one of the many parks in town, Pawtucket residents need ways to get around safely and conveniently. And with only minimal public transportation, the need for the right car insurance policy becomes even more important.
Quick Facts
- The average cost of car insurance in Pawtucket is $285 per month, or $3420 annually.
- Car insurance in Pawtucket is $49 more than the average cost of car insurance in Rhode Island.
- The cheapest car insurance provider in Pawtucket on average is Safeco, but you should always compare quotes to find your best personal rate.
Car Insurance in Pawtucket, 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 Pawtucket, RI to find you the cheapest quotes in the area.
Quotes by Top Companies
Progressive$261
Travelers$317
American Family$419
Cheapest Car Insurance in Pawtucket, 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!
| Insurance Provider in Pawtucket | Quotes |
|---|---|
| Progressive | $261 /mo |
| Travelers | $317 /mo |
| American Family | $419 /mo |
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Best Car Insurance in Pawtucket, RI
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Pawtucket. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| Liberty Mutual | 82 | $351 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Rhode Island Cities | |
|---|---|
| Providence | $200/mo |
| Warwick | $284/mo |
| Cranston | $301/mo |
| East Providence | $282/mo |
| Pawtucket | $332/mo |
| Rhode Island | $280/mo |
Providence$200
Average for RI$280
East Providence$282
Warwick$284
Cranston$301
Pawtucket$332
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in RI
The state of Rhode Island requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Rhode Island are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that Rhode Island state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.
The minimum property damage liability insurance requirements in Rhode Island are:
- $25,000 property damage liability per accident
Property damage liability coverage pays for any property that you damage in an accident. The state of Rhode Island requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.
Pawtucket Car Insurance Rates by Driver Age
Pawtucket is a great place to live, but the car insurance rates can be difficult to manage, especially if you are a young driver. Teenage drivers should expect to pay around $747 a month for coverage, while those in their 20s have average premiums of $602.46. Even though rates decrease as drivers get older, the lowest average premium, which occurs during your 50s, is $246.98. A higher cost of living and stricter insurance laws are two factors that often lead to higher rates.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $747 |
| 20s | $603 |
| 30s | $385 |
| 40s | $326 |
| 50s | $247 |
| 60s | $261 |
| 70s | $308 |
| 80s | N/A |
Pawtucket Car Insurance Rates by Driving and Accident History
In Pawtucket, there is a large emphasis placed on driving safely and responsibly. That is one of the reasons your driving record plays a large role in determining your average premium rate. Drivers who have no violations or accidents on their record should expect to pay an average premium of $333.61. On the other hand, motorists who have numerous failures to stop on their record may pay average premiums as high as $556.80.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $334 |
| Speeding Ticket | $365 |
| At-Fault Accident | $442 |
| Failure to Stop for Red Light / Stop Sign | $557 |
Pawtucket Car Insurance Rates by Credit Tier
Being able to maintain a stellar credit score can pay huge dividends when it comes to auto insurance premiums. Many Pawtucket insurance companies will utilize your rating as a way to determine how risky you are to insure. Those with an excellent credit rating tend to have the best rates and pay $281.14 on average for their premiums. However, the average premium for the average and poor ratings are substantially higher, at $432.05 and $370.42, respectively.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $282 |
| Good | $285 |
| Average | $433 |
| Poor | $371 |
See More: Bad Credit Car Insurance Rhode Island
Find local Pawtucket agents
Butler & Messier, Inc.
1401 Newport Ave,
Pawtucket, RI 02861Loiselle Insurance Agency
279 Dexter Street,
Pawtucket, RI 02860Audrey G. Dickinson Insurance
1401 Newport Avenue,
Pawtucket, RI 02861Chatterton Insurance, Inc.
150 Main St,
Pawtucket, RI 02860-4125Shove Insurance, Inc.
1401 Newport Ave,
Pawtucket, RI 02861Butler & Messier Inc
1401 Newport Avenue,
Pawtucket, RI 02861Gardiner Whiteley Boardman Insurance Agency, LLC
1 Main Street,
Pawtucket, RI 02860Smith Insurance Group, Inc.
664 Armistice Blvd,
Pawtucket, RI 02861-2709Capraro Insurance, LLC
494 Smithfield Ave,
Pawtucket, RI 02860-2553Affordable Insurance
44 East Street,
Pawtucket, RI 02860-1023
Pawtucket, RI DMV Information
Pawtucket’s main DMV office is located at 100 Main St., Pawtucket, RI 02860, and open from 8:30 a.m. to 3:15 p.m., Monday through Friday. To make an appointment ahead of time, you can go online to www.dmv.ri.gov or call 1 (401) 588-3020.
Public Transportation in Pawtucket, RI
While Amtrak and Boston’s mass transit system pass through Pawtucket, there are no stops for either within the city’s bounds. This means residents will have to go over state lines if they’re hoping to board either of those public transit options. Fortunately, RIPTA operates local bus lines, with routes around the city.
How to get the best and cheapest car insurance in Pawtucket, RI
With limited public transportation options, most Pawtucket residents opt for a car to get where they need to go. But before hitting the road, you’ll want to invest in car insurance that keeps you and your vehicle protected. Comparing quotes on Insurify is the best way to find affordable car insurance. All you need to do is enter some basic information about your vehicle and driver history, and you’ll quickly be able to find car insurance that meets your needs and budget.
FAQs - Pawtucket, RI Car Insurance
Allstate has a local office in Pawtucket, and there are AAA and Nationwide offices in the surrounding region, giving Pawtucket residents a solid amount of choice when it comes to local auto insurance agents. A low credit score can lead to higher car insurance premiums for drivers in Rhode Island. That’s why one of the best ways to unlock car insurance discounts is to work on improving your credit score. To find cheap car insurance in Pawtucket, visit Insurify. Insurify makes it easy to find the best deals on car insurance, helping you compare free quotes from 10+ car insurance companies.
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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.
Insurify Insights
How Pawtucket Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Pawtucket, Rhode Island below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Pawtucket drivers measure up to their fellow motorists across Rhode Island in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Dodge Dakota
Most Popular Car in Pawtucket
#2
City with the Most Speeding Tickets Rank in Rhode Island
#11
City with the Most Moving Violations Rank in Rhode Island
#6
City with the Most DUIs Rank in Rhode Island
#8
City with the Most Suspended Licenses in Rhode Island
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Pawtucket drivers rank 5 in the number of car accidents per driver across all cities in Rhode Island.
- Rank within state: #5
- Percent of drivers in Pawtucket with an accident: 12.11%
- Drivers in Pawtucket, RI with an accident in their driving history pay on average 20.52% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Rhode Island, Pawtucket drivers rank 2 in the number of speeding infractions per driver.
- Rank within state: #2
- Percent of drivers in Pawtucket with a speeding ticket: 6.37%
- Drivers in Pawtucket, RI with a speeding ticket in their driving history pay on average 42.02% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Pawtucket drivers rank 6 in the number of DUI’s per driver across all cities in Rhode Island.
- Rank within state: #6
- Percent of drivers in Pawtucket with a DUI: 0.5%
- Drivers in Pawtucket, RI with a DUI in their driving history pay on average 0% more than drivers with a clean record
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Rhode Island, Pawtucket drivers rank 1 in rude driving infractions.
- Rank within state: #1
- Percent of drivers in Pawtucket with a reckless driving violation: 2.5%
- Drivers in Pawtucket, RI with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Pawtucket drivers rank 3 in clean driving records across all cities in Rhode Island.
- Rank within state: #3
- Percent of drivers in Pawtucket with clean record: 82.65%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Pawtucket drivers rank 2 in failure to yield violations per driver across all cities in Rhode Island.
- Rank within state: #2
- Percent of drivers in Pawtucket with a failure to yield violation: 0.37%
- Drivers in Pawtucket, RI with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Rhode Island, Pawtucket drivers rank 1 in the number of reckless driving offenses per driver.
- Rank within state: #1
- Percent of drivers in Pawtucket with a reckless driving offense: 0%
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Pawtucket is the Dodge Dakota.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.