Cheap Auto Insurance Quotes in Pawtucket, RI (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Pawtucket, RI Driving Facts

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, 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 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Pawtucket stacks up for the state of Rhode Island:

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

Green Driving in Pawtucket, RI

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Rhode Island offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities


Greenes Cities
% of Hybrids / Electrics
Most Patriotic City

Most Patriotic City


Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Pawtucket won Insurify's Most Patriotic Cities Award for the state of Rhode Island. It was once a major node of the textile industry during the Industrial Revolution.

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.