How Much are Car Insurance Quotes for Low Mileage Drivers in Rhode Island?

How Much are Car Insurance Quotes for Low Mileage Drivers in Rhode Island?

Writing this article would sure be easy if we could simply tell you the one auto insurance company that has the cheapest rates in Rhode Island. That is not the case, however, as there are a whole bunch of unknown aspects such as if you had any at-fault accidents in the last few years, how much you actually drive in a year, the liability limit you need, and whether you are male or female, that all have an effect on the price of a policy. The information below covers these factors and others that can influence the price of auto insurance and also should give you some help in finding cheaper rates.

For infrequent drivers, one of the big factors that establish the annual cost of car insurance is where you choose to live in Rhode Island. Cities with larger populations like Providence, Pawtucket, and Central Falls tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims tend to receive cheaper rates.

The information below lists the most costly cities in Rhode Island for low mileage drivers to purchase car insurance in.

How much does car insurance cost in Rhode Island?
Rank City Annual Rate
1 Providence $2,299
2 Cranston $2,117
3 Pawtucket $1,932
4 East Providence $1,870
5 Central Falls $1,801
6 Warwick $1,732
7 Harmony $1,707
8 Valley Falls $1,690
9 Greenville $1,683
10 Cumberland Hill $1,643
11 Pascoag $1,607
12 Harrisville $1,593
13 Chepachet $1,573
14 Woonsocket $1,571
15 Kingston $1,516
16 Wakefield-Peacedale $1,499
17 Hope Valley $1,462
18 Bradford $1,461
19 Narragansett Pier $1,460
20 Ashaway $1,436
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Table data uses comparative as specific Rhode Island garaging address can affect auto insurance rates significantly.

Figuring out which companies offer the cheapest auto insurance rates for low mileage drivers may require a little more sweat in order to find the best price.

Each insurer has a unique approach for establishing rates, so let’s take a look at the overall cheapest auto insurance companies in Rhode Island. It’s important that you understand Rhode Island auto insurance rates are based on many factors which can substantially decrease or increase the price you pay. Turning one year older, getting divorced, or getting a few speeding tickets may cause policy rate changes resulting in some companies being more affordable than before.

Best Insurance Companies in Rhode Island

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USAA has some of the cheapest car insurance rates in Rhode Island at around $726 each year. State Farm, Travelers, Amica, and Progressive would also make the list of some of the lowest-priced Rhode Island auto insurance companies.

In the above rates, if you have coverage with Travelers and switched to USAA, you may see an annual premium reduction of upwards of $496. Drivers with Amica may save as much as $726 a year, and Progressive customers might lower prices by up to $818 a year.

Understand that those prices are averaged across all types of insureds and vehicles and are not factoring in a rate decrease for low mileage drivers. So the insurer that fits your needs best may not even be in the list of companies above. That emphasizes why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

The vehicle model requiring coverage is one of the largest considerations when consumers are trying to find low-cost car insurance for low mileage drivers. Vehicles with lots of speed or power, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The information below illustrates coverage rates for some of the more afforable vehicles to insure in Rhode Island.

Cheapest Auto Insurance Rates for Low Mileage Drivers in Rhode Island
Vehicle Insured Estimated Cost for Full Coverage
Toyota Prius $1,267
Chevrolet Impala LS $1,331
Chevrolet Silverado LS Extended Cab 4WD $1,355
Dodge Grand Caravan SXT $1,382
Honda Civic VP 4-Dr Sedan $1,401
Honda CR-V LX 4WD $1,406
Ford Edge Limited AWD $1,425
Hyundai Elantra GLS 4-Dr Sedan $1,435
Nissan Altima 2.5 S 4-Dr Sedan $1,425
Ford Escape XLT 4WD $1,440
Hyundai Sonata GLS 4-Dr Sedan $1,452
Honda Accord LX-S 2-Dr Coupe $1,522
GMC Sierra SLT Crew Cab 4WD $1,549
Toyota Camry Hybrid $1,557
Hyundai Tucson Limited 2WD $1,554
Chevrolet Malibu LS $1,563
Chevrolet Equinox LT 2WD $1,554
Toyota Sienna XLE $1,564
Chevrolet Traverse LT AWD $1,559
Ford F-150 STX Regular Cab 4WD $1,573
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in vehicle location which can influence insurance rates greatly.

By looking at the data, we can infer that vehicles like the Toyota Prius, Chevrolet Impala, Chevrolet Silverado, Dodge Grand Caravan, and Honda Civic are likely to be the cheaper vehicles to insure for infrequent drivers.

Discounts on cheap insurance for low mileage drivers in Rhode Island

Cheaper Rhode Island auto insurance for infrequent driversInsurance providers that offer coverage for low mileage drivers may also provide rate discounts that could potentially reduce rates by 30% or more if you are eligible for them. A list of auto insurance companies and a selection of discounts are detailed below.

Auto Insurance Discounts for Popular Insurers
Discount Allstate State Farm Geico Progressive Nationwide Farmers Liberty Mutual
Multiple policies Yes Yes Yes Yes Yes Yes Yes
Multiple vehicles No Yes Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes Yes No No No Yes
Passive restraint Yes Yes Yes No Yes Yes Yes
Newer vehicle Yes Yes No No Yes Yes No
No accidents Yes Yes Yes Yes Yes Yes No
Defensive driver training Yes Yes Yes Yes Yes Yes No
Low miles Yes Yes No Yes Yes No Yes
Military No Yes Yes Yes No Yes No
Affinity/occupation No No Yes No Yes Yes Yes
Full payment Yes No Yes Yes Yes Yes Yes
Paperless billing Yes No Yes Yes Yes Yes Yes
Brand loyalty No Yes No Yes Yes Yes No
Good student Yes Yes Yes Yes Yes Yes Yes
Distant student Yes Yes No Yes Yes Yes Yes
Own your home No No No Yes No Yes No
Use seat belts No No Yes No No No No
Get quote online No No No Yes No No No
Teen driver No No No Yes No No Yes
Federal employee No No Yes No No No No
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The diagram below compares auto insurance costs with and without discounts applied to the rates. The data is based on a male driver, no accidents or driving violations, Rhode Island state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, homeowner, marriage, vehicle safety, defensive driving course, and accident-free discounts applied. When these discounts are applied to the policy premium, the the average amount saved on auto insurance for low mileage drivers is % or $.

How to get cheap insurance for low mileage drivers in Rhode Island

The list below details some money-saving solutions that can help Rhode Island drivers locate the cheapest auto insurance.

  • Frequent claims will increase rates
  • Drive safe vehicles
  • Multi-policy discounts save money
  • Avoid getting citations and tickets
  • Avoid accidents
  • Ensure you have the best deal by shopping around regularly

The last tip in the list is extraordinarily crucial, as was noted in the prior information. Coverage prices can change considerably based on profitability, so you should be ready to buy a different policy if a cheaper rate is available. Sticking with a specific company is fine, but we do not recommend it if that loyalty ends up costing a lot of money. Take a few minutes and compare prices and find cheaper insurance for low mileage drivers.