Cheap Auto Insurance Quotes in Woonsocket, RI (January 2022)

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Last Updated: January 2022

Car Insurance in Woonsocket, 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 Woonsocket, RI to find you the cheapest quotes in the area.
ProgressiveTravelersLiberty Mutual

Cheapest Car Insurance in Woonsocket, 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!

Average Car Insurance Cost

Rhode IslandProvidenceWarwickCranstonPawtucketWoonsocket
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Woonsocket, 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.

Find local Woonsocket agents

Esten & Richard Agency, Inc. 
342 Park Ave, Woonsocket, RI 02895-5360
Keough Kirby Associates, Inc. 
68 Cumberland Street, Woonsocket, RI 02895-3323
Jeffrey S Smith: Allstate Insurance
575 Cumberland Hill Rd, Woonsocket, RI 02895
Met Life
1300 Park Ave, Woonsocket, RI 02895
Hunter Insurance, Inc.
389 Old River Rd, Manville, RI 02838
Soucy Insurance Agency
362 Rathbun St, Woonsocket, RI 02895
Esten & Richard Agency Inc
342 Park Ave, Woonsocket, RI 02895
Keough Kirby Associates Inc
987 Cass Ave, Woonsocket, RI 02895
Met Life
1300 Park Ave, Woonsocket, RI 02895
Charles L Kirby Agency Inc
75 Eddie Dowling Hwy, North Smithfield, RI 02896

Insurify Insights: How Woonsocket Drivers Measure Up

Toyota Camry
Most Popular Car in
Woonsocket, RI
suspended licenses
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 Woonsocket 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 in Woonsocket

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. Woonsocket drivers rank 6 in the number of car accidents per driver across all cities in Rhode Island.

  • Rank within state: #6
  • Percent of drivers in Woonsocket with an accident: 10.37%
  • Drivers in Woonsocket, RI with an accident in their driving history paid on average -96.59% more than drivers with a clean record

Speeding in Woonsocket

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Rhode Island, Woonsocket drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Woonsocket with a speeding ticket: 6.3%
  • Drivers in Woonsocket, RI with a speeding ticket in their driving history paid on average 29.69% more than drivers with a clean record

DUI/DWIs in Woonsocket

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Woonsocket drivers rank 2 in the number of DUI’s per driver across all cities in Rhode Island.

  • Rank within state: #2
  • Percent of drivers in Woonsocket with a DUI: 1.02%
  • Drivers in Woonsocket, RI with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Woonsocket

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Woonsocket is the Toyota Camry.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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