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 West Warwick, RI for senior drivers are $2,763/year
  • The cheapest car insurance company in West Warwick after a DUI is State Farm
  • The annual number of car thefts in West Warwick is 25.

Average car insurance rates in West Warwick, Rhode Island are $430 a month. But with a little research you can get a great deal from the top car insurance companies in West Warwick, RI. Before you buy West 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 West Warwick car insurance rates with Tiverton car insurance rates, Oakland car insurance rates, or North Kingstown car insurance rates to make sure you’re getting the best West Warwick, RI car insurance quotes available.

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

West Warwick, RI Minimum Car Insurance Coverage

West 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 West 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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West Warwick, RI Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,982 $5,290 $5,649
GEICO $5,816 $6,105 $6,435
Liberty Mutual $6,025 $6,393 $6,876
Nationwide $4,604 $4,518 $4,328
Progressive $4,819 $5,095 $5,469
State Farm $2,591 $2,730 $2,881
Travelers $7,088 $7,127 $6,775
USAA $3,892 $4,095 $4,288

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in West 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 $4,309 $4,233 $4,262 $4,451 $7,380 $8,666 $4,513 $4,644
GEICO $3,646 $3,735 $3,735 $3,652 $11,468 $14,990 $3,777 $3,945
Liberty Mutual $4,118 $4,118 $3,924 $3,924 $10,006 $15,631 $4,118 $5,611
Nationwide $2,907 $2,947 $2,555 $2,707 $7,665 $9,858 $3,464 $3,763
Progressive $2,600 $2,468 $2,389 $2,375 $11,659 $13,115 $3,178 $3,239
State Farm $1,729 $1,729 $1,527 $1,527 $4,794 $6,393 $1,902 $2,273
Travelers $1,689 $1,709 $1,722 $1,713 $17,594 $27,890 $1,737 $1,922
USAA $1,974 $1,950 $1,894 $1,855 $9,120 $10,429 $2,692 $2,822

West Warwick, RI Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,380 $8,666
GEICO $11,468 $14,990
Liberty Mutual $10,006 $15,631
Nationwide $7,665 $9,858
Progressive $11,659 $13,115
State Farm $4,794 $6,393
Travelers $17,594 $27,890
USAA $9,120 $10,429

West Warwick, RI Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,262 $4,451
GEICO $3,735 $3,652
Liberty Mutual $3,924 $3,924
Nationwide $2,555 $2,707
Progressive $2,389 $2,375
State Farm $1,527 $1,527
Travelers $1,722 $1,713
USAA $1,894 $1,855

West Warwick, RI Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $6,677 $5,104 $4,141
GEICO $6,853 $5,949 $5,553
Liberty Mutual $8,465 $5,614 $5,215
Nationwide $5,198 $4,286 $3,966
Progressive $5,740 $4,995 $4,648
State Farm $3,675 $2,482 $2,045
Travelers $7,339 $6,839 $6,812
USAA $6,062 $3,453 $2,760

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West Warwick, RI Car Insurance Rates by Driver History

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

Annual West Warwick, Rhode Island Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,601 $5,398 $6,100 $5,130
GEICO $3,953 $5,200 $10,358 $4,962
Liberty Mutual $5,967 $6,889 $6,902 $5,967
Nationwide $4,151 $4,555 $4,929 $4,299
Progressive $4,183 $6,642 $4,698 $4,988
State Farm $2,532 $3,341 $2,532 $2,532
Travelers $6,271 $6,486 $8,086 $7,144
USAA $2,969 $4,031 $6,215 $3,153

West Warwick, RI Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,100
GEICO $10,358
Liberty Mutual $6,902
Nationwide $4,929
Progressive $4,698
State Farm $2,532
Travelers $8,086
USAA $6,215

West Warwick, RI Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,267 $5,348
GEICO $5,994 $6,243
Liberty Mutual $6,222 $6,641
Nationwide $4,483 $4,483
Progressive $5,128 $5,128
State Farm $2,651 $2,817
Travelers $6,997 $6,997
USAA $4,053 $4,131

West Warwick, RI Cheapest Car Insurance Rates

How do the top West Warwick, Rhode Island car insurance companies’ average rates stack up against the West Warwick average monthly car insurance rates of $430? Take a look and see.

Best Annual Car Insurance Rates by Company in West 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

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West Warwick, RI Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $5,307
GEICO $6,119
Liberty Mutual $6,431
Nationwide $4,483
Progressive $5,128
State Farm $2,734
Travelers $6,997
USAA $4,092

Other Factors Affecting West Warwick, RI Car Insurance Rates

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

West Warwick, RI Car Theft Rates

The car theft rate in West Warwick, RI will affect your car insurance rates. FBI data shows that the annual car theft rate for West Warwick, Rhode Island is 25 stolen cars.

West Warwick, RI Car Insurance Quotes

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