Who Has the Cheapest Auto Insurance Quotes for Teenage Females in Rhode Island?

It’s hard to miss the captivating commercials from companies like Allstate and State Farm that guarantee huge savings, so you just need to pick the company with the best ad, right?

Unfortunately, it’s not that simple as there are a lot of unknown factors such as what level of deductibles you wish to have, your driving record, if full coverage is needed, and the crash test ratings of your vehicle, that all go into determining the rate you pay. We know insurance is not everyone’s favorite topic, but in this article we will cover the causes of high insurance rates and educate you enough to have a good start to your coverage search.

For teen girls, one of the big components that helps car insurance companies calculate the price you pay for insurance is where you call home. Regions with more people or even just more weather-related claims like Providence, Pawtucket, and Central Falls will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.

The illustration below ranks the priciest cities in Rhode Island for teenage females to buy car insurance in.

Rate information is approximated as vehicle location can change auto insurance rates considerably.

Figuring out which companies offer the most affordable auto insurance rates for teenage females will involve a bit more work than just comparing a company or two.

Every insurance provider has a different process to set their prices, so we need to take a look at the most competitive auto insurance companies in Rhode Island.

Best Cheap Insurance Rates for Teens

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USAA generally has some of the cheapest car insurance rates in Rhode Island at around $719 per year. State Farm, Travelers, Amica, and Progressive are also some of the cheaper Rhode Island auto insurance companies.

As shown in the table above, if you currently have coverage with Travelers and switched to USAA, you may realize savings of in the neighborhood of $540. Rhode Island drivers with Amica could save as much as $778 a year, and Progressive policyholders might lower prices by $810 a year.

Remember that these estimates are averaged for all drivers and vehicles in Rhode Island and do not factor in a rate surcharge for teenage females. So the car insurance company that can offer you the best price may not even be in the list of companies above. That illustrates why you need to compare rates from multiple companies using your own driver data and vehicle information.

The vehicle model you are buying coverage for is one of the primary factors in finding the cheapest car insurance for teenage females. Vehicles with lower acceleration and performance, good safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.

The lists below estimates insurance prices for a selection of the most cost-effective automobiles to buy coverage for.

Price data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes significantly.

Table data represents single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can change premiums noticeably.

Table data represents single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in vehicle garaging location which can lower or raise price quotes greatly.

The chart below illustrates how choosing a deductible can influence insurance prices when quoting cheap insurance for teenage females. Data assumes a married female driver, comp and collision included, and no discounts are taken into consideration.

The chart above illustrates that a 50-year-old driver could lower rates by $374 a year by increasing from a $100 deductible up to a $500 deductible, or save $562 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, can cut as much as $926 or more just by using higher deductibles.

When increasing deductibles, it will be necessary to have spare funds to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Selecting the right car insurance company can be challenging considering how many different companies sell coverage in Rhode Island. The company rank data below could help you analyze which auto insurance companies to look at when shopping around. These rankings only include companies that insure vehicles across America, so smaller companies that only insure vehicles in Rhode Island are not taken into consideration for the list.

Top 10 Large Auto Insurance Companies 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

Top 10 Large Auto Insurance Companies in Rhode Island Ranked by Customer Satisfaction

1. The Hartford – 93%
2. The General – 91%
3. Progressive – 90%
4. 21st Century – 89%
5. Travelers – 87%
6. State Farm – 87%
7. USAA – 87%
8. Safeco Insurance – 86%
9. AAA Insurance – 86%
10. GEICO – 85%

State Farm, Progressive, Allstate, or Geico: Who is cheapest?

If you are shopping around for auto insurance for teen girls in Rhode Island, probably the best companies to start with are State Farm, Progressive, Allstate, and Geico. All of them have a slightly different set of options and discounts that may influence your choice. The next table shows some of the different options and features offered by each one.

Who has the cheapest insurance quotes for teen girls?

Thanks to the internet, there are a lot of ways to shop for and buy auto insurance in Rhode Island, but the most popular ways are using a non-exclusive or independent agent, an exclusive agency like Liberty Mutual or Allstate, or direct from companies such as Geico or Progressive. All three ways can provide auto insurance quotes, but they differ slightly in how they provide rate quotes.

Independent insurance agents work with multiple companies and can provide price quotes from each one. Agents of this type do not work for one specific company and can give you more rate choices, which may give you a better chance of saving money. If you are not satisfied with one company, your agent can just switch to a different company which prevents you from having to switch agents.

Exclusive agencies are only able to quote rates from one insurance company, two examples are State Farm and Allstate agents. These agents usually cannot provide multiple price quotes, so it’s a good idea to get additional quotes.

If you want to buy auto insurance direct, you forego an agent and buy from a direct company like Geico. Buying auto insurance direct can be a good choice for families who have limited assets and have a good understanding of what auto insurance covers.

So which method is best to buy the cheapest car insurance for teenage females in Rhode Island? The obvious answer would be buying direct saves money since that eliminates agent commissions, but that does not always hold true. A valid argument could also be made that an independent agent guarantees the best prices due to more options, but again, it’s not necessarily true. For the right applicant, exclusive agencies have coverage prices that other auto insurance companies cannot touch.

Because there is so much variation in auto insurance prices, the guaranteed way to ensure you are not overpaying for auto insurance is to compare lots of quotes. Experts recommend getting price quotes from independent, exclusive, and direct to have the best selection of rates to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.