Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Warwick, RI are $439/month
  • Average car insurance rates in Warwick, RI for senior drivers are $2,790/year
  • The cheapest car insurance company in Warwick for teen drivers is State Farm

Average car insurance rates in Warwick, Rhode Island are $439 a month. But with a little research you can get a great deal from the top car insurance companies in Warwick, RI. Before you buy Warwick, Rhode Island car insurance, make sure your coverage meets or exceeds the Rhode Island minimum of 25/50/25.

It may even be helpful to compare Warwick car insurance rates with West Warwick car insurance rates, Clayville car insurance rates, or Glendale car insurance rates to make sure you’re getting the best Warwick, RI car insurance quotes available.

Need affordable Warwick, RI car insurance? Enter your ZIP code to compare Warwick car insurance quotes from multiple car insurance companies near you.

Warwick, RI Minimum Car Insurance Coverage

Warwick, Rhode Island law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Warwick, Rhode Island

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Warwick, RI Car Insurance Rates by Coverage Level

Some Warwick drivers can get by with the Rhode Island minimum coverage of 25/50/25. Other drivers may need more. See how much your Warwick, Rhode Island car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Warwick, Rhode Island

Insurance Company Low Medium High
Allstate $4,884 $5,173 $5,518
GEICO $5,286 $5,558 $5,867
Liberty Mutual $6,025 $6,393 $6,876
Nationwide $4,827 $4,722 $4,510
Progressive $5,406 $5,743 $6,206
State Farm $2,591 $2,730 $2,881
Travelers $7,405 $7,432 $7,057
USAA $4,236 $4,458 $4,670

Warwick, RI Car Insurance Rates by Age, Gender, and Marital Status

Warwick, Rhode Island car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Warwick, RI car insurance, get quotes from multiple car insurance companies in the Warwick area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Warwick, Rhode Island

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,189 $4,110 $4,179 $4,355 $7,245 $8,573 $4,375 $4,510
GEICO $3,319 $3,401 $3,401 $3,325 $10,439 $13,646 $3,439 $3,592
Liberty Mutual $4,118 $4,118 $3,924 $3,924 $10,006 $15,631 $4,118 $5,611
Nationwide $3,024 $3,071 $2,651 $2,814 $8,035 $10,356 $3,611 $3,928
Progressive $2,937 $2,789 $2,703 $2,685 $13,138 $14,789 $3,586 $3,653
State Farm $1,729 $1,729 $1,527 $1,527 $4,794 $6,393 $1,902 $2,273
Travelers $1,758 $1,779 $1,791 $1,782 $18,359 $29,102 $1,808 $2,004
USAA $2,134 $2,105 $2,047 $2,002 $9,974 $11,405 $2,916 $3,055

Warwick, RI Car Insurance Rates for Teens

How much is Warwick, Rhode Island car insurance for teens? Compare rates from top Warwick car insurance companies below to help find the cheapest teen car insurance in Warwick, RI.

Annual Car Insurance Rates for Teen Drivers in Warwick, Rhode Island

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,245 $8,573
GEICO $10,439 $13,646
Liberty Mutual $10,006 $15,631
Nationwide $8,035 $10,356
Progressive $13,138 $14,789
State Farm $4,794 $6,393
Travelers $18,359 $29,102
USAA $9,974 $11,405

Warwick, RI Car Insurance Rates for Seniors

Before seniors buy Warwick, Rhode Island car insurance, they should make sure to shop around. Some Warwick, RI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Warwick, Rhode Island

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,179 $4,355
GEICO $3,401 $3,325
Liberty Mutual $3,924 $3,924
Nationwide $2,651 $2,814
Progressive $2,703 $2,685
State Farm $1,527 $1,527
Travelers $1,791 $1,782
USAA $2,047 $2,002

Warwick, RI Car Insurance Rates by Credit History

How does your credit history affect Warwick, RI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Warwick, Rhode Island

Insurance Company Poor Fair Good
Allstate $6,536 $4,993 $4,047
GEICO $6,239 $5,416 $5,055
Liberty Mutual $8,465 $5,614 $5,215
Nationwide $5,439 $4,478 $4,143
Progressive $6,483 $5,634 $5,238
State Farm $3,675 $2,482 $2,045
Travelers $7,654 $7,133 $7,106
USAA $6,601 $3,759 $3,003

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Warwick, RI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Warwick, Rhode Island car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Warwick.

Annual Warwick, Rhode Island Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,486 $5,282 $5,985 $5,015
GEICO $3,596 $4,734 $9,433 $4,518
Liberty Mutual $5,967 $6,889 $6,902 $5,967
Nationwide $4,354 $4,758 $5,132 $4,502
Progressive $4,713 $7,497 $5,301 $5,629
State Farm $2,532 $3,341 $2,532 $2,532
Travelers $6,542 $6,766 $8,432 $7,452
USAA $3,228 $4,389 $6,775 $3,427

Warwick, RI Car Insurance Rates With a DUI

Even a single DUI can increase your Warwick, RI car insurance rates. Compare rates below to see which Warwick car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Warwick, Rhode Island

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,985
GEICO $9,433
Liberty Mutual $6,902
Nationwide $5,132
Progressive $5,301
State Farm $2,532
Travelers $8,432
USAA $6,775

Warwick, RI Car Insurance Rates by ZIP Code

Just like Warwick car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Warwick, RI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Warwick, Rhode Island

ZIP Code Average Annual Rates
2886 $5,176
2888 $5,348
2889 $5,282

Warwick, RI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Warwick, RI car insurance rates may be. Let’s take a look at average car insurance rates from top Warwick companies based on commute time.

Annual Car Insurance Rates by Commute Length in Warwick, Rhode Island

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,158 $5,226
GEICO $5,457 $5,683
Liberty Mutual $6,222 $6,641
Nationwide $4,686 $4,686
Progressive $5,785 $5,785
State Farm $2,651 $2,817
Travelers $7,298 $7,298
USAA $4,412 $4,497

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Warwick, RI Cheapest Car Insurance Rates

How do the top Warwick, Rhode Island car insurance companies’ average rates stack up against the Warwick average monthly car insurance rates of $439? Take a look and see.

Best Annual Car Insurance Rates by Company in Warwick, Rhode Island

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Warwick, RI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Warwick, Rhode Island car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Warwick, Rhode Island

Insurance Company Average Annual Rates
Allstate $5,192
GEICO $5,570
Liberty Mutual $6,431
Nationwide $4,686
Progressive $5,785
State Farm $2,734
Travelers $7,298
USAA $4,455

Other Factors Affecting Warwick, RI Car Insurance Rates

Before you buy Warwick, Rhode Island car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Warwick, RI Car Theft Rates

The car theft rate in Warwick, RI will affect your car insurance rates. FBI data shows that the annual car theft rate for Warwick, Rhode Island is 58 stolen cars.

Warwick, RI Commute Time

How does your Warwick, RI commute time compare with the average driver? In Warwick, the average commute is 25.0 minutes.

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Warwick, RI Car Insurance Quotes

Compare Warwick, RI car insurance quotes from multiple companies by entering your ZIP code now.