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Get Cheap Car Insurance in 02838, RI
We monitor insurance prices, helping the average driver in 02838 save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in 02838
The chart below shows the cheapest car insurance company in 02838 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Geico, Progressive, and Midvale Home & Auto.
| 02838 Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $79 |
| Geico | $101 |
| Progressive | $118 |
| Midvale Home & Auto | $124 |
Savings for Every Kind of 02838 Driver
Based on our extensive insurance data, we know the average 02838 driver will save about 33% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $751 per year by choosing the right vehicle insurance company. Some 02838 residents are paying out over $2,257 extra every year for auto insurance in 02838. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
02838, RI Savings / Yr. |
|---|---|
$751 |
|
$907 |
|
$999 |
|
$1,690 |
|
$3,515 |
|
$256 |
|
$761 |
02838 Car Insurance vs. Rhode Island
People living in 02838 pay an average of 1.35% more than the typical driver in the state. The average driver in 02838 can expect to pay about $1,381 per year, or $2,257 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in 02838 for most people.
Car Insurance Prices by 02838 Neighborhood
Insurance Prices
Where is insurance cheapest within 02838?
The map shows insurance prices in and around 02838, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $82 per year within the zip boundaries, with insurance premiums ranging from a high of $2,292 to a low of $2,210. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southwest parts of 02838.Pick the Best Car Insurance Company for You in 02838
The best car insurance provider for most drivers in 02838
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $751 over the average 02838 car insurance company.
The best car insurance provider for 02838 drivers with accidents on their records
In our analysis, Safeco Insurance saved the average person who had been in an accident the most, with annual savings averaging $907 over the competition.
The best car insurance company for 02838 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $999 better than other car insurance companies.
The best auto insurance for 02838 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,690 less each year.
The least expensive car insurance company for new and young drivers in 02838
In 02838, State Farm costs young drivers $3,515 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 02838
Geico gave the largest car insurance discounts to married couples, averaging $256 saved each year compared to an average 02838 couple's premiums.
The cheapest car insurance in 02838 for drivers with bad credit
The best 02838 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 02838
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 02838 driver can expect to pay about $124 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 02838, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, drivers with bad credit, drivers with accidents, young drivers, married couples, and good drivers.Auto Insurance Prices in and Around 02838
What Influences the Cost of Car Insurance in 02838?
On average, car insurance in 02838 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 02838 is 39 minutes, which is far more than average for a driver in the state.
- Rhode Island state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 02838 are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- 02838 is one of the least populated areas in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 02838 is $115 per month for minimum coverage and $188 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 02802: Insurance costs 2.61% less
- 02895: Insurance costs 8.11% more
- 02864: Insurance costs 1.06% more
- 02896: Insurance costs 0.93% less
- 02865: Insurance costs 0.93% more
- 01504: Insurance costs 31.50% less
- 02917: Insurance costs 3.46% less
- 02876: Insurance costs the same
- 02863: Insurance costs 24.94% more
- 01529: Insurance costs 32.96% less
Zip Codes with Similar Populations
- 79845: Insurance costs 21.44% less
- 32328: Insurance costs 2.44% more
- 12404: Insurance costs 3.94% more
- 32464: Insurance costs 6.03% more
- 45369: Insurance costs 51.66% less
- 49435: Insurance costs 15.60% more
- 70788: Insurance costs 40.27% more
- 13033: Insurance costs 9.04% less
- 79081: Insurance costs 17.50% less
- 91906: Insurance costs 14.62% less