Cheap Auto Insurance Quotes in Pawtucket, RI (2021)

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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.

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 Carriers
Quotes ($/mo)
$261
$317
$419
ProgressiveTravelersAmerican Family
Monthly $

Cheapest Car Insurance in Pawtucket, RI

Here are the cheapest carriers in Pawtucket for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Pawtucket. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$280
$200
$284
$301
$282
$332
Rhode IslandProvidenceWarwickCranstonEast ProvidencePawtucket
Monthly $

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Pawtucket, RI Driving Facts

rhode-island

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.

Driving History
No Violation$334
Speeding Ticket$365
At-Fault Accident$442
Failure to Stop for Red Light / Stop Sign$557

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.

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.

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.

Conclusion: 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.

Find local Pawtucket agents

Butler & Messier, Inc. 
1401 Newport Ave, Pawtucket, RI 02861
Loiselle Insurance Agency 
279 Dexter Street, Pawtucket, RI 02860
Audrey G. Dickinson Insurance 
1401 Newport Avenue, Pawtucket, RI 02861
Chatterton Insurance, Inc. 
150 Main St, Pawtucket, RI 02860-4125
Shove Insurance, Inc. 
1401 Newport Ave, Pawtucket, RI 02861
Butler & Messier Inc 
1401 Newport Avenue, Pawtucket, RI 02861
Gardiner Whiteley Boardman Insurance Agency, LLC 
1 Main Street, Pawtucket, RI 02860
Smith Insurance Group, Inc. 
664 Armistice Blvd, Pawtucket, RI 02861-2709
Capraro Insurance, LLC 
494 Smithfield Ave, Pawtucket, RI 02860-2553
Affordable Insurance 
44 East Street, Pawtucket, RI 02860-1023

Insurify Insights: How Pawtucket Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Pawtucket, RI
suspended licenses
#5
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Pawtucket drivers measure up to their fellow Rhode Island motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Pawtucket

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 paid on average 20.52% more than drivers with a clean record

Speeding Pawtucket

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 paid on average 42.02% more than drivers with a clean record

DUI/DWIs Pawtucket

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 paid on average --% more than drivers with a clean record

Rude Pawtucket

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 paid on average --% more than drivers with a clean record.

Safest Drivers Pawtucket

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%

Failure to Yield the Right of Way Pawtucket

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 paid on average --% more than drivers with a clean record

Reckless Drivers Pawtucket

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: --%

Most Popular Vehicle Pawtucket

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 Toyota Camry.


FAQs - Pawtucket, RI Car Insurance

Do major insurance carriers have offices in Pawtucket?

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.

Will my credit score affect my car insurance rates in Pawtucket?

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.

Who offers the cheapest car insurance in my area?

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.

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.