Best Cheap Auto Insurance in Providence, Rhode Island (2024)
USAA, Safeco, and State Farm are the best car insurance companies in Providence.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 20, 2024
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Table of contents
Providence drivers pay an average of $152 per month for car insurance, compared to Rhode Island’s average monthly rate of $128. You’ll pay $96 per month for liability coverage and $209 for full coverage.
The best way to find affordable coverage is to compare car insurance quotes from multiple insurers. Each company has a different formula to calculate your rates, and by getting rates from several insurers, you can cast a wider net to find the best coverage for you in Providence.
Quick Facts
Rhode Island is an at-fault state for car insurance.
Insurers in Providence can use your credit score when determining your premium.
Rhode Island has one of the highest rates of uninsured drivers in the country.
Best car insurance companies in Providence
While the cheapest car insurance company below might seem like the best choice, it’s not always the right fit for every driver. Your unique rates will depend on various factors, like your age, driving record, and credit score, so it’s crucial to compare quotes from multiple companies before buying. Below, you’ll find the top insurers for a few main driver categories in Providence.
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $130/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is a full-service financial institution offering insurance, bank accounts, retirement savings plans, loans, and investment options. To qualify, you need to be an active-duty service member, veteran, or spouse or child of someone who already is a USAA member.
This one-stop shop for financial services offers a range of benefits for military members and their families — starting with great rates.
Pros
Highly rated app
Lots of military-specific discounts
Excellent customer satisfaction rating
Cons
Doesn’t offer gap coverage
Not available to the general public
Limited hours for call-in customer support
Best insurer for cheap rates: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $146/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco is owned by Liberty Mutual and differentiates itself by offering a more personalized — yet more affordable — touch. You’ll work with a local insurance agent for everything, including help with getting a quote and purchasing a policy.
If you’re a homeowner as well, you’ll only have to pay one deductible if both your house and car are damaged in the same incident. Safeco pairs you up with a local agent to get a quote and manage your policy, all while maintaining low premiums.
Pros
Highly rated mobile app
Dividends offered to claims-free drivers
Single-loss deductible for bundled policies
Cons
Few discount options
Limited coverage options
Quotes not available online
Best insurer for discounts and customization: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $120/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $168/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest insurer of private passenger cars in the country, and it doesn’t skimp on quality. It consistently gets top ratings for its helpful mobile app, overall customer service, and claims satisfaction.
The only caveat is State Farm is better for standard drivers. If you have any insurability challenges, such as a poor credit score or a history of accidents or tickets, it may not be quite so affordable. This large insurer offers a good blend of quality customer service, strong financial standings, and plenty of coverage options.
Pros
Offers rideshare coverage
A++ AM Best rating
High customer satisfaction ratings
Cons
Doesn’t offer gap coverage
More expensive if you’ve had a violation
Drivers with bad credit may pay higher-than-average rates
How to get the cheapest car insurance in Providence
One of the best ways you can get cheap car insurance is by comparing quotes. Each company weighs factors differently — your credit score may be more important with one company, for example, while your driving record may be a bigger influence with another insurer.
Other factors companies look at include your marital status, age, gender, ZIP code, and how long you’ve been driving. Here are a few ways you can save:
Increase your deductible. The higher the deductible you choose, the lower your premiums will be — but make sure you select a deductible that you can still afford to pay out of pocket if needed.
Bundle home and auto policies. Many insurers offer generous discounts to drivers who bundle their auto policies with home or renters insurance.
Apply for discounts. Look for companies that offer relevant discounts for you, but be mindful that your overall costs can still be lower with a company that doesn’t offer many discounts.
Consider a telematics program. Many companies offer mobile apps or devices you can plug into your car to record your driving, with corresponding rate reductions for good drivers.
Reduce your amount of coverage. Purchasing a smaller amount of coverage (if you’re already buying more than legally required) can be a good way to save money.
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Cheapest liability-only car insurance in Providence
If you’re looking for the lowest-cost option, purchasing a minimum level of liability car insurance is the way to go. This helps cover the cost of any injuries or damages you cause to other people while you’re behind the wheel. However, it won’t cover any injuries or damages to you or your car.[1]
On average, drivers in Providence pay $96 per month for liability insurance. The table below lists liability rates from popular insurers in Rhode Island.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $93 |
| Direct Auto | $100 |
| Liberty Mutual | $112 |
| State Farm | $120 |
| GEICO | $184 |
| Progressive | $184 |
| Nationwide | $213 |
| Travelers | $226 |
| Allstate | $293 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Providence
Full-coverage car insurance is a good choice if you want thorough protection. In addition to liability coverage, full-coverage policies typically include collision and comprehensive coverages, which pay to fix your car after collisions with vehicles and other objects and damage from non-collision events, like theft, vandalism, and weather.[1]
On average, drivers in Providence pay $209 per month for full-coverage insurance. The table below lists full-coverage rates from popular insurers in Rhode Island.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $130 |
| Safeco | $146 |
| State Farm | $168 |
| Liberty Mutual | $222 |
| Direct Auto | $254 |
| GEICO | $256 |
| Progressive | $257 |
| Nationwide | $298 |
| Travelers | $315 |
| Allstate | $409 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Providence, Rhode Island
Recent Providence, Rhode Island car insurance prices for Chevrolet, Ford , and more.
*Quotes generated for Insurify users in and around Providence, Rhode Island within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Providence, Rhode Island within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Rhode Island
Rhode Island, like most states, is an at-fault state for auto insurance. This means you’ll need to pay for damages and injuries to another party if you cause a car accident, and vice versa. Rhode Island state law requires you to carry a minimum level of liability coverage.[2]
Below are the minimum limits you must carry to drive legally in the state:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
Other types of coverages you may want to consider adding include:
Collision coverage
Collision coverage pays for physical damage to your car after collisions with vehicles or objects like trees and telephone poles.
Comprehensive coverage
Comprehensive coverage pays for non-collision damages, such as when your neighbor’s kid breaks a window with a baseball or if a tree falls on your car.
Medical payments coverage
Medical payments covers medical costs and other related costs if you’re involved in an accident.
Personal injury protection (PIP) coverage
Personal injury protection (PIP) covers lost wages and non-medical expenses.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage provides liability coverage if you’re hit by someone driving illegally without insurance or if their coverage isn’t sufficient.
Cheapest car insurance for drivers with an incident
Having an incident on your driving record — most commonly a speeding ticket, at-fault accident, or a conviction for driving under the influence (DUI) — can affect your ability to get affordable coverage. These infractions typically result in an increase in your car insurance rates, though it may take more than one speeding ticket to see a big effect.[3]
While many insurers will charge you higher rates after these incidents, you can still find affordable coverage from some companies. Some even specialize in offering coverage to higher-risk drivers.
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Cheapest car insurance for drivers with a speeding ticket
Having multiple speeding tickets on your record indicates you have a history of risky driving, and it’s only a question of when you need to file a claim. Speeding was a contributing factor in about a third of car crash deaths in 2021, according to the National Highway Traffic Safety Administration.[4]
Providence drivers pay on average $145 per month for liability coverage and $316 per month for full coverage after a ticket.
But, you can likely find a cheaper rate from one of the carriers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $126 | $176 |
| Direct Auto | $135 | $344 |
| State Farm | $161 | $225 |
| Liberty Mutual | $163 | $323 |
| Progressive | $248 | $346 |
| GEICO | $249 | $347 |
| Nationwide | $291 | $407 |
| Travelers | $309 | $430 |
| Allstate | $397 | $554 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
An at-fault accident on your record shows insurers that you’re more likely to get into an accident again in the future. Your rates will likely increase, and you may find more frequent rejections from insurance companies when you do shop around for rates.
Providence drivers pay on average $118 per month for liability coverage and $257 per month for full coverage after an accident.
Below are the most affordable insurers in Providence for drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $116 | $163 |
| Direct Auto | $128 | $325 |
| State Farm | $149 | $208 |
| Liberty Mutual | $150 | $297 |
| GEICO | $231 | $321 |
| Progressive | $232 | $324 |
| Nationwide | $269 | $376 |
| Travelers | $285 | $397 |
| Allstate | $366 | $511 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Driving under the influence (DUI) is one of the most serious offenses you can commit behind the wheel. Not only will your insurance rates skyrocket, but many insurers may even decline to offer you coverage at all. Even so, you can still find a few insurers that will cover you.
On average, Providence drivers with a DUI pay $137 per month for liability coverage and $298 per month for full coverage.
Below, you’ll find some of the best choices in Providence if you have a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $143 | $200 |
| Direct Auto | $154 | $391 |
| Liberty Mutual | $172 | $342 |
| State Farm | $185 | $258 |
| GEICO | $283 | $394 |
| Progressive | $283 | $395 |
| Nationwide | $328 | $458 |
| Travelers | $348 | $485 |
| Allstate | $451 | $629 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Find the Cheapest Car Insurance After a DUI (2024)
Cheapest car insurance for seniors
Senior drivers have the most experience of anyone on the road — one of the key factors that insurers consider when setting rates. On average, Providence seniors pay $65 per month for liability insurance, and $142 per month for full coverage.
However, as your cognitive and physical condition starts to decline, insurers will start to raise rates again.[5] But you can still find affordable rates with some insurers. Below are the cheapest options for senior drivers in Providence.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $68 | $94 |
| Direct Auto | $71 | $180 |
| State Farm | $84 | $118 |
| Liberty Mutual | $86 | $170 |
| Progressive | $120 | $167 |
| GEICO | $133 | $185 |
| Nationwide | $144 | $201 |
| Travelers | $160 | $224 |
| Allstate | $214 | $298 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Young drivers have the least experience on the road, so they typically face the highest rates. Providence teens pay $173 per month for liability insurance, and $376 per month for full coverage.
Some ways teens can save on car insurance are by staying on their parent’s policy, driving cars with extra safety features, and applying for good student discounts.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $161 | $225 |
| Direct Auto | $188 | $477 |
| Liberty Mutual | $198 | $392 |
| State Farm | $212 | $297 |
| GEICO | $303 | $422 |
| Progressive | $332 | $464 |
| Nationwide | $383 | $536 |
| Travelers | $420 | $586 |
| Allstate | $537 | $750 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Providence car insurance quotes by credit tier
Insurers in Providence are permitted to use your credit score when determining your rates.[1] Drivers with good credit typically pay less than drivers with poor credit. Here’s how much Providence residents pay for car insurance based on their credit scores:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Providence?
Car insurance costs a good bit more in Providence compared to the national average. While the average U.S. resident pays $106 per month for a liability-only policy, Providence residents pay $143. Full coverage costs even more, with an average premium of $204 for people living in Providence versus $172 per month for the entire U.S.
Rates may be higher in Providence for many reasons. One contributing factor may be the number of uninsured drivers: One out of every six drivers in Rhode Island doesn’t carry any insurance, and this drives up costs for everyone. Other factors could include things like higher rates of vandalism, theft, and road rage incidents.
More cities in Rhode Island
Even within Rhode Island itself, Providence is one of the most expensive places to insure your car, with the average cost of car insurance in Rhode Island sitting at $173. Here’s how average full-coverage quotes compare between Providence and neighboring towns:
City ▲▼ | Average Monthly Quote ▲▼ | Compared to Providence ▲▼ |
|---|---|---|
| Cranston | $142 | -30% |
| Johnston | $174 | -15% |
| Pawtucket | $180 | -12% |
| Warwick | $139 | -32% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Cheapest Auto Insurance in Rhode Island (2024)
Providence car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Providence.
How much is car insurance in Providence?
Car insurance in Providence costs $152 per month, on average. Drivers pay an average of $96 per month for liability coverage and $209 per month for full coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Providence?
State Farm is the best car insurance company in Providence, with an average monthly rate of $184, an Insurify Quality (IQ) Score of 4.4 out of 5, and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Providence choices include USAA and Safeco.
What is the minimum insurance for a car in Rhode Island?
Rhode Island drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage insurance.
Is Rhode Island a no-fault state?
No. Rhode Island is an at-fault state for car insurance, meaning that the driver responsible for an accident uses their own insurance to pay for the damage they cause.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
Sources
- National Association of Insurance Commissioners. "NAIC Consumer Shopping Tool for Auto Insurance."
- Rhode Island Department of Business Regulation - Insurance Division. "Consumers Guide to Auto Insurance."
- Insurance Information Institute. "What if I can't find auto coverage?."
- National Highway Traffic Safety Administration. "Speeding and Aggressive Driving Prevention."
- Insurance Institute for Highway Safety. "Older Drivers."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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