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Cheap Auto Insurance Quotes in Pawtucket, RI (September 2022)
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Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka
Updated February 4, 2022
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.
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.
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 | QuotesThe 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. |
|---|---|
| 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 | ScoreThe 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. | QuotesThe 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. |
|---|---|---|
| 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 Rhode Island
All motor vehicles operated or parked on Rhode Island roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Rhode Island[1] are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Rhode Island is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
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 CostThe 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. |
|---|---|
| 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 CostThe 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. |
|---|---|
| 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 CostThe 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. |
|---|---|
| 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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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
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
#17
City with the Most Speeding Tickets Rank in Rhode Island
#17
City with the Most Moving Violations Rank in Rhode Island
#16
City with the Most DUIs Rank in Rhode Island
#14
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 17 in the number of car accidents per driver across all cities in Rhode Island.
- Rank within state: #17
- Percent of drivers in Pawtucket with an accident: 6.2%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Pawtucket drivers rank 16 in the number of DUI’s per driver across all cities in Rhode Island.
- Rank within state: #16
- Percent of drivers in Pawtucket with a DUI: 0.3%
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 12 in the number of reckless driving offenses per driver.
- Rank within state: #12
- Percent of drivers in Pawtucket with a reckless driving offense: 1.2%
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 13 in rude driving infractions.
- Rank within state: #13
- Percent of drivers in Pawtucket with a reckless driving violation: 1.3%
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 17 in the number of speeding infractions per driver.
- Rank within state: #17
- Percent of drivers in Pawtucket with a speeding ticket: 5%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Pawtucket drivers rank 1 in clean driving records across all cities in Rhode Island.
- Rank within state: #1
- Percent of drivers in Pawtucket with clean record: 86.1%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Pawtucket drivers rank 15 in hybrid and electric vehicle ownership across all cities in Rhode Island.
- Rank within state: #15
- Percent of drivers in Pawtucket with a hybrid/electric vehicle: 0.1%
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.
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Learn MoreSources
- Rhode Island Department of Business Regulation Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022