Best Cheap Car Insurance for Drivers with a DUI in Rhode Island

The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, specifically when shopping around for the lowest insurance prices for drivers with a DUI. Because it’s not cheap, let’s lead off by showing you a few of the factors that significantly impact car insurance prices, and come up with some ideas to take the sting out of the next policy you buy.

The car, truck, or SUV driven is probably the largest consideration when looking for the best cheap auto insurance for drivers with a DUI. Vehicles with reasonable performance levels, modern passenger safety features, or low incidents of liability claims will cost much less to insure than adrenaline junky models.

The next list illustrates coverage prices for the cheaper automobiles to buy coverage for.

Above prices assume married female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific Rhode Island garaging location which can influence premiums considerably.

Looking at the numbers, you can see that makes and models like the Honda CR-V, Ford Escape, Hyundai Tucson, Ford Explorer, and Jeep Wrangler are going to be a few of the most economical vehicles to insure after getting a DUI. The price for an auto insurance policy will be more expensive just because there is more risk for drivers with a DUI, but generally speaking those vehicles will probably have the lowest prices available.

When shopping for insurance after getting a DUI, one of the many factors that insurance companies use to determine rate quotes is where you live in Rhode Island. Larger areas like Providence, Pawtucket, and Central Falls tend to pay slightly more, whereas cities that are not as densely populated have the enjoyment of a little cheaper coverage.

The information below rates the most expensive cities in Rhode Island for drivers with a DUI to buy an auto insurance policy in.

Premium costs are approximated as the specific geographic location can decrease or increase premium rates significantly.

Discounts on the best cheap car insurance for drivers with a DUI in Rhode Island

Insurance companies that sell policies for drivers with a DUI could also offer discounts that can reduce rates by as much as 35% or more if you are eligible to receive them. Companies and some of the discounts can be found below.

The illustration below shows the comparison of auto insurance costs with and without some available policy discounts. The information is based on a male driver, three violations and no at-fault accidents, Rhode Island state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, paid-in-full, multiple policy, continuous coverage, and anti-theft discounts applied. When discounts are factored in, the average savings per year on car insurance for drivers with a DUI is 13% or $256.

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Allstate, Geico, Progressive, and State Farm compared

When buying car insurance, the companies that insure more vehicles than anyone else are Allstate, Geico, Progressive, and State Farm. When combined, they have over 48% of all car insurance policies in America. All offer your standard physical damage and liability coverages, but each one has a distinct set of features and optional coverages that may influence your choice. The table below ranks ratings and policy coverage options that are available for customers.

Cheap insurance quotes after getting a DUI

There are many different ways to compare cheaper car insurance rates in Rhode Island, but the most popular are through a non-exclusive or independent agent, a captive (or exclusive) agent like State Farm or Auto-Owners, or from a direct company like Geico.

They all have the same basic principle, but they are slightly different in how they provide rate quotes.

Independent insurance agencies have contracts with multiple insurance companies and can get rate quotes from every one. Agents of this type can sell policies from many different companies and can compare multiple rates, which can help you get the best shot at cutting your rates. If your agent finds a cheaper company, your agent can switch companies without you having to go to a different agency.

A captive, or exclusive, agent is only able to write business for one company, two popular examples being Allstate or Farmers Insurance agents. Exclusive agents cannot quote prices from more than just one company, so they have to upsell other benefits.

When you buy car insurance direct, you do not use an independent or exclusive agent and instead shop direct from companies such as Progressive or Esurance. Buying car insurance direct may be the best choice families who do not have a need for a risk management assessment and have some degree of understanding of what specific coverages they need.

Which way is best for finding the best cheap car insurance for drivers with a DUI in Rhode Island? The obvious answer would be buying direct saves money since no commissions are paid to an agent, but in reality, that is not the case. An argument could also be made that an independent agent saves the most money because they can quote many companies, but that assumption is also not accurate. And occasionally, the exclusive agents may have prices that are well below what direct and independents offer.

Due to that fact that car insurance uses so many rating variables, the only true way to not overpay for car insurance is to do a thorough rate comparison. We recommend you get price quotes all three ways to have enough rates to compare. For a list of companies with cheap rates in Rhode Island, click here to view.