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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.
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.
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.
| Cheapest Companies | |
|---|---|
 Progressive | $261/mo |
 Travelers | $317/mo |
 American Family | $419/mo |
| Best Companies | ||
|---|---|---|
 Liberty Mutual | $351/mo |
Rhode Island Cities | |
|---|---|
| Providence | $200/mo |
| Warwick | $284/mo |
| Cranston | $301/mo |
| East Providence | $282/mo |
| Pawtucket | $332/mo |
| Rhode Island | $280/mo |
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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:
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:
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 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 | |
|---|---|
| teens | $747 |
| 20s | $603 |
| 30s | $385 |
| 40s | $326 |
| 50s | $247 |
| 60s | $261 |
| 70s | $308 |
| 80s | N/A |
| Driving History | |
|---|---|
| No Violation | $334 |
| Speeding Ticket | $365 |
| At-Fault Accident | $442 |
| Failure to Stop for Red Light / Stop Sign | $557 |
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.
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 Tie | |
|---|---|
| Excellent | $282 |
| Good | $285 |
| Average | $433 |
| Poor | $371 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
