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Get Cheap Car Insurance in 02864, RI
We monitor insurance prices, helping the average driver in 02864 save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in 02864
The chart below shows the cheapest car insurance company in 02864 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.
| 02864 Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $79 |
| Geico | $102 |
| Progressive | $119 |
| Midvale Home & Auto | $125 |
Savings for Every Kind of 02864 Driver
Based on our extensive insurance data, we know the average 02864 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 $759 per year by choosing the right vehicle insurance company. Some 02864 residents are paying out over $2,281 extra every year for auto insurance in 02864. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
02864, RI Savings / Yr. |
|---|---|
$759 |
|
$917 |
|
$1,010 |
|
$1,708 |
|
$3,552 |
|
$259 |
|
$769 |
02864 Car Insurance vs. Rhode Island
People living in 02864 pay an average of 2.43% more than the typical driver in the state. The average driver in 02864 can expect to pay about $1,396 per year, or $2,281 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in 02864 for most people.
Car Insurance Prices by 02864 Neighborhood
Insurance Prices
Where is insurance cheapest within 02864?
The map shows insurance prices in and around 02864, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $434 per year within the zip boundaries, with insurance premiums ranging from a high of $2,586 to a low of $2,152. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of 02864.Pick the Best Car Insurance Company for You in 02864
The best car insurance provider for most drivers in 02864
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $759 over the average 02864 car insurance company.
The best car insurance provider for 02864 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 $917 over the competition.
The best car insurance company for 02864 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,010 better than other car insurance companies.
The best auto insurance for 02864 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,708 less each year.
The least expensive car insurance company for new and young drivers in 02864
In 02864, State Farm costs young drivers $3,552 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 02864
Geico gave the largest car insurance discounts to married couples, averaging $259 saved each year compared to an average 02864 couple's premiums.
The cheapest car insurance in 02864 for drivers with bad credit
The best 02864 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 02864
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 02864 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 02864, 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 02864
What Influences the Cost of Car Insurance in 02864?
On average, car insurance in 02864 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:
- 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 02864 are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- 02864 is a fairly densely populated area in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 02864 is $116 per month for minimum coverage and $190 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 3.64% less
- 02865: Insurance costs 0.13% less
- 02838: Insurance costs 1.05% less
- 02863: Insurance costs 23.63% more
- 02760: Insurance costs 31.26% less
- 02860: Insurance costs 17.84% more
- 02763: Insurance costs 31.48% less
- 02861: Insurance costs 7.58% more
- 02895: Insurance costs 6.97% more
- 02703: Insurance costs 30.12% less
Zip Codes with Similar Populations
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- 33040: Insurance costs 8.07% more
- 33141: Insurance costs 42.83% more
- 28677: Insurance costs 44.98% less
- 97217: Insurance costs 20.08% less
- 19115: Insurance costs 30.16% less
- 98056: Insurance costs 26.48% less
- 80503: Insurance costs 16.31% less
- 91780: Insurance costs 2.81% more
- 32114: Insurance costs 16.92% more