How Much are Auto Insurance Quotes for First-time Drivers in Rhode Island?

The words “cheap” and “insurance” really don’t belong together, especially when you are shopping around for the cheapest coverage for first-time drivers. Because it’s so expensive, let’s introduce you to a few of the things that can significantly affect insurance prices, and figure out some ways to take a little off your next policy.

Finding out which insurers offer the best auto insurance rates for first-time drivers takes more time in order to find the best policy. Each auto insurance company has their own formula for determining rates, so we need to take a look at the most budget-friendly auto insurance companies in Rhode Island.

It’s a good idea to be aware that Rhode Island auto insurance rates are impacted by many factors that may substantially change the cost of coverage. Simply improving your credit, buying a different vehicle, or having an at-fault accident can trigger changes in premium that may make certain companies cheaper in comparison to the competition.

Best Insurance Companies for Inexperienced Drivers

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USAA has some of the most affordable car insurance rates in Rhode Island at around $726 a year. State Farm, Travelers, Amica, and Progressive are also some of the best Rhode Island car insurance companies.

In the above example, if you are a policyholder with Progressive and switched to State Farm, you might achieve a yearly price reduction of roughly $371. Rhode Island drivers with Quincy Mutual could save as much as $499 a year, and Peerless insureds might lower prices by up to $587 a year.

To discover how much you can save, click here to get quotes or quote rates from the companies below.

These policy prices are averaged for all drivers and vehicles and do not take into consideration a rate increase for first-time drivers. So the insurer that is most affordable for your situation may not even be in the rate chart shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

When shopping for cheaper auto insurance for new drivers, one of the many factors used to establish the policy price is where your car is garaged in Rhode Island. Cities with larger populations or higher claims like Providence, Pawtucket, and Central Falls will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.

The next table displays the most expensive places in Rhode Island for first-time drivers in which to purchase auto insurance.

Price information shown is approximated as the specific garaging location can influence price quotes noticeably.

The diagram below shows how choosing a deductible can affect insurance costs when searching for cheap insurance for first-time drivers. Data assumes a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower rates by $396 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $596 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could reduce their rates up to $1,320 or more by using higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it is important to have enough savings set aside to be able to pay the extra out-of-pocket expense that comes with higher deductibles.

Finding the right car insurance company can be difficult considering how many companies there are to choose from in Rhode Island. The rank data shown next could help you choose which coverage providers to look at comparing rates from. The rankings below are only comprised of large nationwide companies, so smaller companies are not factored into the list.

Top 10 Major Auto Insurers in Rhode Island Ranked by Value

1. The General
2. The Hartford
3. Farmers Insurance
4. Safeco Insurance
5. AAA Insurance
6. 21st Century
7. Travelers
8. State Farm
9. Progressive
10. American Family

Top 10 Major Auto Insurers in Rhode Island Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. GEICO
5. State Farm
6. Nationwide
7. The General
8. Allstate
9. The Hartford
10. 21st Century

Is the best company Progressive, Geico, Allstate, or State Farm?

When comparing auto insurance for new drivers in Rhode Island, probably the best companies to start with are Progressive, Geico, Allstate, and State Farm. When combined, they have almost 50% of the car insurance market in the United States. All of them offer physical damage and liability coverage, but each has a little bit different set of discounts and options that you can choose from. The table below shows price and claims rank as well as some different options you can buy with each company.