Best Cheap Car Insurance Quotes for Teenage Males in Rhode Island

The make and model of vehicle requiring coverage is probably the most important factor when trying to find the lowest-priced insurance for teenage males. Vehicles with limited speed and performance, modern passenger safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.

The table below presents coverage costs for a selection of the more afforable automobiles to insure.

Cost estimates assume single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in vehicle location which can change premiums substantially.

Based on these rates, you can conclude that cars like the Ford Escape, Honda CR-V, and Chevrolet Traverse will be some of the less-costly vehicles to insure for teen boys. The cost of auto insurance will tend to be more expensive because of the fact that there is more liability risk for teenage males, but in general those vehicles will most likely have the least expensive rates that you are likely to find.

When shopping for cheaper car insurance for teen boys, one of the many considerations that influence the policy price is your zip code in Rhode Island. Areas with more people like Providence, Pawtucket, and Central Falls are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.

The following table sorts the most costly cities in Rhode Island for teenage males to purchase auto insurance in.

Price information shown is comparative as the specific zip code location can impact rates significantly.

Deciphering which company offers the most affordable auto insurance rates for teenage males involves a tad more effort in order to find a policy that fits your budget. Each insurance company has their own unique process to set their prices, so let’s take a look at the most affordable auto insurance companies in Rhode Island.

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USAA normally has some of the cheapest car insurance rates in Rhode Island at around $698 each year. State Farm, Travelers, Amica, and Progressive also rank well as some of the lowest-priced Rhode Island car insurance companies.

In the rate table above, if you currently buy coverage from Amica and switched to USAA, you might achieve annual savings of approxmiately $769. Drivers with Progressive may save as much as $846 a year, and Quincy Mutual customers might see rate reductions of $881 a year.

To compare your rates to other Rhode Island insurance companies, click here to get a free quote or feel free to get quotes from the companies below.

These premium estimates are averaged for all drivers and vehicles and do not factor in a price surcharge for teenage males. So the auto insurance company that fits your age and vehicle best may not even be included in the rate chart shown above. That point stresses why you need to quote rates from many companies using your own individual information.

Safe drivers pay cheaper rates

The easiest method to score cheap auto insurance premiums in Rhode Island for teen boys is to be an attentive driver and avoid accidents and traffic violations. The illustration below shows how violations and at-fault accidents increase insurance costs for different age groups of insureds. The premiums are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

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The data charted above shows the average cost of a car insurance policy in Rhode Island per year with no accidents and a clean driving record is $1,950. Factor in one speeding ticket and the average cost hikes up to $2,277, an increase of $326 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for teenage males goes up to an average of $3,194. That’s an increase of $1,244, or $104 per month, just for not driving attentively!

Which auto insurance company is best?

If you are looking for the best car insurance for teen boys in Rhode Island, the top insurers to get price quotes from are Progressive, Geico, State Farm, and Allstate. If you combine them together, they insure over 48% of all auto insurance written. All four can cover your vehicle for liability and physical damage, but each one has a little bit different set of discounts and options that policyholders can choose from. The data below compares ratings and policy coverage options that may be available in Rhode Island.