call

Warwick Car Insurance

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

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Warwick?

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 Warwick typically pay around $139.97 per month compared to the national average of $135.68 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 $135.68
Rhode Island $135.35
Warwick, Rhode Island $139.97

Warwick, RI Best Car Insurance Companies

car insurance in Warwick

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, USAA generally has the most affordable car insurance in Warwick coming in around $107.58 per month. Other companies to consider if you live in Warwick is State Farm with an average cost of $113.40 per month and Nationwide which typically runs around $222.57 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Warwick.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $107.58-20.52%
2 State Farm $113.40-16.21%
3 Nationwide $222.5764.44%
4 Travelers $226.7167.50%
5 Allstate $251.4285.76%
6 Quincy Mutual $255.3888.69%
7 Metropolitan $323.04138.67%
8 National Grange Mutual $372.17174.97%
9 Liberty Mutual $381.13181.59%
10 Encompass $452.48234.31%

How Much is Car Insurance in Warwick, RI?

how much is auto insurance in Warwick

Rates can vary from city to city. The residents of Cranston typically pay $155.20 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 $155.20
Newport$112.24
Pawtucket $134.12
Providence $155.36
Warwick $139.97

Cheap Car Insurance in Warwick by Zip Codes

find cheap auto insurance in Warwick

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.

Warwick, RI ZIP CodeAverage Monthly Rate
02886$126.67
02888$155.88
02889$143.36

Car Insurance Rates by Driver's Age Group in Warwick

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $316.96 per month in Warwick. Compare that to drivers in their 30’s who typically pay around $105.52 per month drivers in their 40s at $87.42 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$316.96
20s$164.06
30s$105.52
40s$87.42
50s$94.14
60s$99.66
70+$111.99

Cheapest Insurance for Teenage Drivers in Warwick

If you are teen in Warwick 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 $150.71 per month. This is likely the most affordable option in Warwick. You might also want to consider USAA and Allstate who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$150.71
USAA$278.75
Allstate$338.25
Nationwide$412.96
Quincy Mutual$467.09

Cheapest Insurance for 20 Year-olds in Warwick

20 year-olds in Warwick might want to consider USAA who, on average, offers car insurance rates around $132.43 per month. State Farm, Nationwide , Allstate and Travelers are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$132.43
State Farm$150.83
Nationwide$282.12
Allstate$307.78
Travelers$316.98

Cheapest Insurance for 30 Year-olds in Warwick

If you are in your 30s in Warwick our research has found that State Farm typically has the most affordable coverage coming in around $99.75 per month, followed by USAA at $99.87 and Travelers at $126.41.

CompanyAverage Monthly Rate
State Farm$99.75
USAA$99.87
Travelers$126.41
Nationwide$197.19
Allstate$224.15

Cheapest Insurance for 40 Year-olds in Warwick

On average, USAA offers car insurance for 40 year-olds in Warwick for around $78.09 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Travelers. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$78.09
State Farm$88.58
Travelers$105.48
Quincy Mutual$161.79
Nationwide$172.36

Cheapest Insurance for 50 Year-olds in Warwick

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Warwick we found that USAA generally offers the most affordable coverage at $84.65 per month.

CompanyAverage Monthly Rate
USAA$84.65
State Farm$98.05
Travelers$136.17
Quincy Mutual$171.18
Nationwide$177.51

Cheapest Insurance for 60 Year-olds in Warwick

If you live in Warwick and you’re in your 60s, our data indicates that USAA usually has the best rates at $71.89 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$71.89
State Farm$72.06
Travelers$105.67
Quincy Mutual$140.81
Nationwide$143.83

Driver's Coverage Auto Insurance Rates in Warwick, 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 Warwick, the average monthly rate for a driver who is currently insured is $128.98 while drivers who are not currently covered will pay around $155.73.

CoverageAverage Monthly Rate
Not Currently Insured $155.73
Currently Insured $128.98

Compare Recent Car Insurance Quotes in Warwick

auto insurance quotes in Warwick 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 Warwick a driver of a 2008 Nissan Altima can expect to pay around $90.70 per month while someone that owns a 2006 Infiniti Qx56 may pay around $108.82 per month. Check out the list of recent quotes in Warwick below.

VehicleAverage Monthly Rate
2008 Nissan Altima$90.70
2006 Infiniti Qx56$108.82
2000 Honda Accord$134.73
2009 Nissan Altima$120.80
2020 Kia Telluride$138.90
2008 Hyundai Accent$162.77
2012 Nissan Maxima$113.50
2000 Toyota Camry$96.43
2015 Mitsubishi Mirage$205.63
2008 Jeep Grand Cherokee$99.23

FAQ's for Drivers in Warwick, RI

driver’s frequently asked question in Warwick

What Is the Minimum Liability Coverage Requirement in Warwick, 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 Warwick, 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.

map

Commute Time in Warwick, RI

24.3 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Warwick, RI

288

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.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.