How Much is Auto Insurance for Unemployed Drivers in Rhode Island?

Everyone has different tastes in autos, and the style of vehicle that needs insurance is a large factor when quoting the most affordable coverage for unemployed drivers. Vehicles with average performance, good crash test ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.

The information below presents insurance rates for a handful of the cheaper automobiles to insure in Rhode Island.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in your specific Rhode Island location which can increase or decrease premiums considerably.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease prices substantially.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in specific Rhode Island garaging location which can impact insurance rates noticeably.

Finding good, low-cost car insurance is not most people’s favorite thing to do, and determining which company has the lowest-priced auto insurance rates for unemployed drivers will involve even more diligence. Every insurance company has their own formula for setting prices, so let’s begin by examining the most affordable auto insurance companies in Rhode Island.

We do need to point out that Rhode Island auto insurance rates are influenced by many factors that can increase the policy price. Improving your credit rating, buying a new vehicle, or getting into an accident can trigger price changes that can make some companies cheaper than competitors.

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google.charts.setOnLoadCallback(drawRIT5qcibChart);function drawRIT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 719, ‘#FF5733’], [‘State Farm’, 1095, ‘#D4482A’], [‘Travelers’, 1246, ‘#B03C23’], [‘Amica’, 1452, ‘#92321D’], [‘Progressive’, 1529, ‘#792918’]]);var options = {title: ‘Top Five Cheapest Car Insurance Companies in Rhode Island’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1629,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA offers some of the best car insurance rates in Rhode Island at around $719 each year. State Farm, Travelers, Amica, and Progressive would also be considered some of the more affordable Rhode Island insurance companies.

As shown in the rates above, if you currently buy coverage from Amica and switched to State Farm, you could see an annual premium reduction of in the vicinity of $357. Customers with Progressive might save as much as $434 a year, and Quincy Mutual customers might reduce rates by $548 a year.

These policy prices are averaged across all insureds and vehicles and and are not calculated with a rate decrease for unemployed drivers. So the insurer that fits your needs best may not even be shown in the list of companies above. That is why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

When buying car insurance for the unemployed, one of the key considerations that car insurance companies use to calculate the amount you pay each year for auto insurance is where you call home in Rhode Island. Areas that are more densely populated like Providence, Pawtucket, and Central Falls tend to have more expensive auto insurance rates, whereas areas that tend to be more rural benefit from lower prices.

The illustration below shows the most expensive places in Rhode Island for unemployed drivers to buy car insurance in.

Premium amounts are approximated as specific Rhode Island garaging address can decrease or increase prices noticeably.

Discount Rhode Island insurance

Insurers that provide cheap auto insurance for unemployed drivers in Rhode Island could also offer discounts that may potentially lower prices by 40% or more if you can meet the requirements. The best auto insurance companies and some of the discounts can be found below.

The diagram below visualizes the comparison of auto insurance costs with and without discounts applied to the rates. The premiums assume a female driver, no claims, a clean driving record, Rhode Island state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, claim-free, passive restraint, marriage, homeowner, and defensive driving course discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for unemployed drivers is 38% or $705.

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