Who Has the Cheapest Car Insurance for 17 Year Olds in Rhode Island?

Our staff writers always rib each other than when writing about car insurance, the words “cheap” or “affordable” shouldn’t be used anywhere in the article to describe car insurance prices. The fact is, cheap car insurance for 17 year olds can be extremely hard to find. But don’t let that discourage you, because we are going to show you some ways you can still get coverage that doesn’t cost an arm and a leg.

The vehicle to be insured is one of the largest considerations that determines whether or not you can buy economical auto insurance for 17 year olds. Vehicles with higher performance, a lack of safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models.

The data below ranks auto insurance rates for a selection of the most economical automobiles to buy insurance for.

Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in your specific Rhode Island location which can impact premiums significantly.

Looking at the rates, you can assume that cars like the Honda Accord, Honda CR-V, Ford Escape, Chevrolet Traverse, and Subaru Forester are most likely to be the less-costly vehicles to insure for teen drivers. The cost of a car insurance policy will trend higher because there is more risk for 17 year olds, but generally speaking those makes and models will tend to have the lowest insurance prices compared to all other vehicles.

When shopping for the cheapest insurance for teen drivers, one of the many components used to determine rate quotes is your zip code in Rhode Island. More populated areas like Providence, Pawtucket, and East Providence likely pay more, whereas areas that are not as densely populated profit from lower rates.

The information below sorts the most expensive places in Rhode Island for 17 year olds to buy an auto insurance policy in.

Rate information is estimated as the specific garaging location can modify coverage rates noticeably.

Finding decent, affordable car insurance is not most people’s favorite thing to do, and determining which company offers the most affordable car insurance rates for 17 year olds may require even more work. Prices will most likely be much more expensive than the state average, with the higher price attributed to the potential for higher claims that goes along with selling coverage for teen drivers, but economical insurance should be attainable if you look hard enough.

Each company uses a little different formula for determining rates, so let’s begin by examining the car insurance companies that tend to be cheaper in Rhode Island. It’s a good idea to know that Rhode Island car insurance rates are influenced by many factors that control the policy price. That is why it is important to compare as many rates as possible to get the lowest auto insurance rates for 17 year olds. Insurance prices consist of many factors and change substantially, so the most affordable company six months ago may now be quite expensive.

Cheapest Insurance Rates for Teens

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USAA normally has some of the lowest car insurance rates in Rhode Island at around $719 a year. State Farm, Travelers, Amica, and Progressive are also some of the best Rhode Island car insurance companies.

As shown in the rates above, if you buy coverage from Amica and switched to State Farm, you may realize annual savings of roughly $372. Drivers with Progressive may save as much as $449 a year, and Quincy Mutual customers might realize rate reductions of up to $548 a year.

To get a quick, customized rate comparison, click here to get quotes or click several companies below for low rates.

Remember that these policy prices are averages across all types of insureds and vehicles and and are not calculated with a price surcharge for 17 year olds. So the auto insurance company that can offer you the best rate may not even be in the rate chart shown above. That points out the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.

Get discounts on Rhode Island insurance rates

Insurance companies that sell the cheapest car insurance for 17 year olds in Rhode Island may provide discounts that could lower prices by 25% or more if you are eligible to receive them. A list of companies and a selection of discounts are detailed below.

The information below illustrates the comparison of premium costs with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Rhode Island state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with paid-in-full, continuous coverage, anti-theft, vehicle safety, passive restraint, and good student discounts applied. With discounts applied, the the average amount saved on car insurance for 17 year olds is % or $.

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Best rates: Geico, State Farm, Allstate, or Progressive

When buying auto insurance for teen drivers in Rhode Island, the most popular companies are Geico, State Farm, Allstate, and Progressive. Each one has unique features and discounts that you can select from. The next table compares and contrasts ratings and policy coverage options shoppers can expect to find with each one.

How to find the cheapest auto insurance for 17 year olds

The list below shows some of the better money-saving suggestions that can help Rhode Island drivers locate low-cost coverage.

• Buy vehicles with five-star safety ratings
• Maintaining good credit helps earn cheaper rates
• Drive attentively and avoid accidents
• Bundle home or renters insurance to earn a discount on car insurance
• Full coverage may not be needed on older vehicles
• Comparison shop at least once a year

The last tip is particularly necessary, as was discussed in this article. Prices charged by auto insurers in Rhode Island change a lot, so don’t be afraid to change insurance companies if a more affordable rate is found. Having a favorite company is fine, but is isn’t recommended if that loyalty ends up costing major coinage every year. In less than five minutes you could shop around and find cheaper insurance for 17 year olds.

Best cheap insurance quotes for teen drivers

Drivers have a lot of ways to buy car insurance in Rhode Island, but the most popular ways are using a captive (or exclusive) agent such as State Farm or Allstate, a non-exclusive or independent agent, or direct either online or via phone.

You can use whichever you prefer, but it’s important to understand the differences in how they provide price quotes.

Independent insurance agents have contracts with many companies and can get rate quotes from every one. These agents will compare multiple rates, which can help you get improved chances of finding a lower rate. If they find a cheaper price, your agent can just switch to a different company and you don’t have to find a new agent.

Exclusive agents are only able to write business for a single company, two examples are Allstate and Liberty Mutual agents. Exclusive agents generally are unable to compare rates from other companies, so if rates are not competitive, they cannot give other choices.

Consumers who buy car insurance direct skip either of the other two types of agents and instead buy buying direct from a company like Progressive or Geico. Buying direct can be a good choice for people who do not need advice for asset protection and know what limits they need.

What is the best way to find the cheapest car insurance for 17 year olds in Rhode Island? We’d like to tell you buying from a direct company saves the most money since no commissions are paid to an agent, but unfortunately, it’s not that simple. An argument could also be made that buying from an independent agent results in the cheapest rates since they can quote with many companies, but that’s not always true, either. In many circumstances, exclusive agents have very competitive rates that are impossible to beat.

Since car insurance prices vary so much, the best way to not overpay for car insurance is to get as many comparison quotes as possible. It’s a good idea to get quotes from all three in order to have enough rates to compare. For a list of companies with some of the cheapest Rhode Island car insurance rates, click here to view.