Cheap Car Insurance Quotes for a Learners Permit in Rhode Island

You have most likely watched the catchy advertisements from auto insurance companies like Farmers and Nationwide promising huge savings, so drivers just need to pick one at random, right?

It’s not that easy, however, as there are a whole slew of unknowns such as the liability limit you need, the safety ratings of your vehicle, and your gender. This article delves into some of these criteria and will hopefully give you a good start to your coverage search.

Finding decent, low-cost car insurance is confusing at best, and figuring out which insurers offer the lowest-priced insurance rates for a learners permit requires more quotes for comparison. Insurance rates will more than likely be significantly higher than the average policy in Rhode Island attributed to the higher likelihood of claims associated with selling coverage for new drivers, but affordable insurance should be obtainable if you shop around.

Each auto insurance company has a proprietary method for determining prices, so let’s take a look at the insurance companies with the overall cheapest rates in Rhode Island.

Best Auto Insurance Prices in Rhode Island

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USAA generally has some of the most affordable car insurance rates in Rhode Island at around $698 annually. State Farm, Travelers, Amica, and Progressive also are some of the cheapest Rhode Island insurance companies.

As shown in the table above, if you are a policyholder with State Farm and switched to USAA, you may see a yearly price reduction of around $397. Rhode Island drivers with Travelers might save as much as $511 a year, and Amica insureds might lower prices by $799 a year.

To find cheap auto insurance for a learners permit in Rhode Island for your vehicle, click here to get a free quote or visit several of the following companies.

Bear in mind that those policy prices are averages across all types of insureds and vehicles and do not take into consideration a rate surcharge for a learners permit. So the car insurance company that fits you best may not even be featured in the above rate chart. That is why you need to compare prices as often as possible using your own specific driver information and vehicle.

The make and model of vehicle you are trying to insure is probably the largest consideration that determines whether or not you can buy the most affordable coverage for a learners permit. Vehicles with high performance engines, poor crash test ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer, lower-performance models. The data below features auto insurance rates for some of the most economical vehicles to insure in Rhode Island.

Data rating is based on 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 specific location which can influence premiums noticeably.

Looking at the data, cars like the Honda CR-V, Ford Escape, and Chevrolet Traverse are likely to be the more affordable vehicles to insure for new drivers. Auto insurance rates will trend higher because there is more exposure for a learners permit, but in general those vehicles will have the lowest insurance rates compared to other types of vehicles.

Geico, Progressive, Allstate, and State Farm compared

If you’re looking for the best auto insurance for new drivers, the most popular companies are Geico, Progressive, Allstate, and State Farm. When combined, they have about half of all vehicles in the U.S.. Each one has a slightly different mix of options and features that add value to each policy. The next table points out price, claims, and customer service ratings, as well as some optional coverages that are available.