Who Has the Cheapest Auto Insurance for Drivers Under 21 in Rhode Island?

When discussing auto insurance, the words “cheap” or “affordable” should not appear anywhere to describe car insurance prices. Nonetheless, cheap auto insurance for drivers under 21 can be difficult to find. Don’t get your dauber down, because we will show you how you can still find car insurance that is more affordable.

Finding out which company offers the cheapest insurance rates for drivers under 21 will take a little more sweat in order to find the most economical policy. Every insurance provider has a unique formula to determine rates, so we need to take a look at the most affordable insurance companies in Rhode Island.

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USAA generally has some of the lowest car insurance rates in Rhode Island at around $726 annually. State Farm, Travelers, Amica, and Progressive also make the cut as some of the cheapest Rhode Island auto insurance companies.

As the example above demonstrates, if you currently buy coverage from Travelers and switched to USAA, you may realize savings of around $520. Rhode Island drivers with Amica could save as much as $741 a year, and Progressive customers might realize rate reductions of up to $773 a year.

To find the cheapest auto insurance for drivers under 21 in Rhode Island, click here to start your free quote or quote rates from the companies below.

Understand that those premiums are averages across all drivers and vehicles and do not factor in a price increase for drivers under 21. So the auto insurance company that is best suited for you may not even be shown in the list of companies above. That helps illustrate why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

The cost and performance of the vehicle you are insuring is a large consideration that determines whether or not you can buy affordable auto insurance for drivers under 21. Vehicles with limited speed and performance, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The data below illustrates car insurance prices for a selection of the most economical automobiles to insure.

Cost estimates assume single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific Rhode Island garaging location which can affect auto insurance rates greatly.

Table data represents single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in Rhode Island location which can impact premiums noticeably.

Above prices assume single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific location which can alter insurance rates noticeably.

One of the key criteria that helps auto insurance companies calculate auto insurance rates is where you keep your car. Densely populated urban areas like Providence, Pawtucket, and East Providence will most likely pay more, whereas areas with less congestion have the luxury of lower rates.

The illustration below illustrates the highest-priced areas in Rhode Island for drivers under 21 to purchase car insurance in.

Prices are comparative as the specific area where the vehicle is garaged can alter auto insurance rates significantly.

Discounts on the cheapest auto insurance for drivers under 21 in Rhode Island

Car insurance companies that sell policies for drivers under 21 may provide rate discounts that could reduce prices by as much as 40% or more if you meet eligibility requirements. Larger insurance companies and some of their more popular discounts can be read below.

• State Farm includes discounts for driver’s education, Steer Clear safe driver discount, good student, Drive Safe & Save, student away at school, and good driver.
• Farmers Insurance offers discounts including homeowner, good student, distant student, pay in full, and electronic funds transfer.
• GEICO discounts include membership and employees, daytime running lights, driver training, anti-lock brakes, anti-theft, and defensive driver.
• American Family policyholders can earn discounts including good student, good driver, mySafetyValet, TimeAway discount, air bags, and multi-vehicle.
• Nationwide may offer discounts for easy pay, anti-theft, business or organization, accident-free, family plan, and multi-policy.
• Progressive offers premium reductions for good student, continuous coverage, multi-policy, multi-vehicle, online quote discount, homeowner, and online signing.

The information below compares insurance costs with and without discounts. The rates are based on a male driver, no accidents, no driving violations, Rhode Island state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, defensive driving course, multiple policy, claim-free, safe-driver, and passive restraint discounts applied. In this example, the the average amount saved on insurance for drivers under 21 is 28% or $769.

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