Cheap Auto Insurance Quotes in Warwick, RI (2021)

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Car Insurance in Warwick, 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 Warwick, RI to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$238
$256
$358
ProgressiveTravelersAmerican Family
Monthly $

Cheapest Car Insurance in Warwick, RI

Here are the cheapest carriers in Warwick 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.

Average Car Insurance Cost

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

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Warwick, 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.

Insurify Insights: How Warwick Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Warwick, RI
suspended licenses
#6
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 Warwick 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 Warwick

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. Warwick drivers rank 2 in the number of car accidents per driver across all cities in Rhode Island.

  • Rank within state: #2
  • Percent of drivers in Warwick with an accident: 14.21%
  • Drivers in Warwick, RI with an accident in their driving history paid on average 31.97% more than drivers with a clean record

Speeding Warwick

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Rhode Island, Warwick drivers rank 4 in the number of speeding infractions per driver.

  • Rank within state: #4
  • Percent of drivers in Warwick with a speeding ticket: 5.9%
  • Drivers in Warwick, RI with a speeding ticket in their driving history paid on average 25.82% more than drivers with a clean record

DUI/DWIs Warwick

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Warwick drivers rank 4 in the number of DUI’s per driver across all cities in Rhode Island.

  • Rank within state: #4
  • Percent of drivers in Warwick with a DUI: 0.74%
  • Drivers in Warwick, RI with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude Warwick

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, Warwick drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Warwick with a reckless driving violation: 2.21%
  • Drivers in Warwick, RI with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers Warwick

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Warwick drivers rank 4 in clean driving records across all cities in Rhode Island.

  • Rank within state: #4
  • Percent of drivers in Warwick with clean record: 82.29%

Failure to Yield the Right of Way Warwick

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Warwick drivers rank 1 in failure to yield violations per driver across all cities in Rhode Island.

  • Rank within state: #1
  • Percent of drivers in Warwick with a failure to yield violation: 0.37%
  • Drivers in Warwick, RI with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Warwick

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, Warwick drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Warwick with a reckless driving offense: --%

Most Popular Vehicle Warwick

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Warwick is the Honda Accord.

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.