Affordable Car Insurance Rates in Warwick, RI (2021)
Car insurance rates in Warwick, RI are $439/month on average. By law, Rhode Island drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Warwick car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 13, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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
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