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Cranston Car Insurance

How much does car insurance cost in Cranston, RI? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Cranston?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Rhode Island has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Cranston typically pay around $154.45 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Rhode Island $135.17
Cranston, Rhode Island $154.45

Cranston, RI Best Car Insurance Companies

car insurance in Cranston

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Cranston coming in around $108.17 per month. Other companies to consider if you live in Cranston is USAA with an average cost of $116.57 per month and Quincy Mutual which typically runs around $216.91 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Cranston.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $108.17-19.98%
2 USAA $116.57-13.76%
3 Quincy Mutual $216.9160.47%
4 Travelers $238.9876.80%
5 Nationwide $240.9578.25%
6 Allstate $282.92109.30%
7 Liberty Mutual $320.58137.16%
8 Metropolitan $326.77141.74%
9 National Grange Mutual $431.80219.44%
10 Encompass $461.39241.33%

How Much is Car Insurance in Cranston, RI?

how much is auto insurance in Cranston

Rates can vary from city to city. The residents of Cranston typically pay $154.19 per month while people who live in Newport will pay $112.24 per month on average. See what people pay for car insurance in other cities in Rhode Island.

Rhode Island CitiesMonthly Average Rate
Cranston $154.19
Newport$112.24
Pawtucket $134.09
Providence $155.15
Warwick $139.97

Cheap Car Insurance in Cranston by Zip Codes

find cheap auto insurance in Cranston

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Rhode Island. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Cranston, RI ZIP CodeAverage Monthly Rate
02910$154.43
02920$150.79
02921$180.51

Car Insurance Rates by Driver's Age Group in Cranston

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $373.93 per month in Cranston. Compare that to drivers in their 30’s who typically pay around $104.85 per month drivers in their 40s at $108.40 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$373.93
20s$212.67
30s$104.85
40s$108.40
50s$112.98
60s$106.22
70+$125.25

Cheapest Insurance for Teenage Drivers in Cranston

If you are teen in Cranston you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, State Farm typically charges around $196.85 per month. This is likely the most affordable option in Cranston. You might also want to consider USAA and Allstate who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$196.85
USAA$214.39
Allstate$420.38
Quincy Mutual$425.37
Nationwide$513.78

Cheapest Insurance for 20 Year-olds in Cranston

20 year-olds in Cranston might want to consider State Farm who, on average, offers car insurance rates around $133.52 per month. USAA , Travelers , Nationwide and Quincy Mutual are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$133.52
USAA$143.68
Travelers$288.89
Nationwide$293.25
Quincy Mutual$296.42

Cheapest Insurance for 30 Year-olds in Cranston

If you are in your 30s in Cranston our research has found that State Farm typically has the most affordable coverage coming in around $74.18 per month, followed by USAA at $81.99 and Travelers at $112.30.

CompanyAverage Monthly Rate
State Farm$74.18
USAA$81.99
Travelers$112.30
Quincy Mutual$145.74
Nationwide$190.38

Cheapest Insurance for 40 Year-olds in Cranston

On average, State Farm offers car insurance for 40 year-olds in Cranston for around $91.53 per month. If you are looking for affordable coverage, you may also want to consider USAA or Travelers. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$91.53
USAA$97.10
Travelers$143.83
Quincy Mutual$168.68
Nationwide$203.13

Cheapest Insurance for 50 Year-olds in Cranston

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Cranston we found that State Farm generally offers the most affordable coverage at $76.12 per month.

CompanyAverage Monthly Rate
State Farm$76.12
USAA$78.84
Travelers$115.73
Quincy Mutual$125.35
Nationwide$176.93

Cheapest Insurance for 60 Year-olds in Cranston

If you live in Cranston and you’re in your 60s, our data indicates that State Farm usually has the best rates at $78.00 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$78.00
USAA$91.02
Travelers$125.69
Quincy Mutual$134.54
Nationwide$161.26

Driver's Coverage Auto Insurance Rates in Cranston, RI

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Cranston, the average monthly rate for a driver who is currently insured is $145.43 while drivers who are not currently covered will pay around $176.09.

CoverageAverage Monthly Rate
Not Currently Insured $176.09
Currently Insured $145.43

Compare Recent Car Insurance Quotes in Cranston

auto insurance quotes in Cranston city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Cranston a driver of a 2012 Hyundai Sonata can expect to pay around $97.32 per month while someone that owns a 1999 Kia Sephia may pay around $68.05 per month. Check out the list of recent quotes in Cranston below.

VehicleAverage Monthly Rate
2012 Hyundai Sonata$97.32
1999 Kia Sephia$68.05
1997 Jeep Cherokee$74.67
2012 Toyota Camry$137.40
2007 Hyundai Sonata$120.10
2010 Lincoln Mkx$112.80
2006 Honda Civic$334.93
2009 Cadillac Cts$123.83
2008 Toyota Scion Tc$204.58
2010 Lincoln Mkx$112.80

FAQ's for Drivers in Cranston, RI

driver’s frequently asked question in Cranston

What Is the Minimum Liability Coverage Requirement in Cranston, RI?

Every state requires drivers to have a minimum amount of liability coverage. Rhode Island drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

In Rhode Island, motorists must carry at least $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage.

Rhode Island is a tort, or at-fault, state. That means your auto insurance is there for the benefit of other drivers whose property you damage or who are injured by you; every other driver’s insurance protects you in the same ways. When you’re in an accident, your expenses are paid through a claim filed with your insurance company or the at-fault party’s carrier, and possibly through personal injury litigation.

What Is the Blood Alcohol Concentration (BAC) limit in Cranston, RI?

It’s against the law to drive in Rhode Island with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

In Rhode Island, you don’t have to be drunk, register 0.08% BAC, or even be driving on a public road to be convicted of driving under the influence (DUI) of drugs or alcohol. If you’re operating a motor vehicle anywhere—even your own driveway—and the arresting officer testifies that your abilities were at all impaired, you can be found guilty.

What are the consequences of being convicted of a DUI?

Driving under the influence of drugs or alcohol is a criminal offense. The more prior convictions there are on a person’s record, the steeper the penalties; jail time becomes mandatory with the second and all subsequent convictions (and it may be ordered with a first conviction). Also, aggravating circumstances can increase penalties.

However, first offenses are typically punished with $100 to $400 in fines, a $500 highway assessment fee, various other fees, 10 to 60 hours of community service, a 3-month to 1-year license suspension, up to 1 year imprisonment, mandatory completion of a DUI safety course or drug and alcohol treatment program, and requirement to maintain proof of responsibility for 3 years.

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Commute Time in Cranston, RI

22.6 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Cranston, RI

289

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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