Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 02886, RI
We monitor insurance prices, helping the average driver in 02886 save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in 02886
The chart below shows the cheapest car insurance company in 02886 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.
| 02886 Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $79 |
| Geico | $102 |
| Progressive | $119 |
| Midvale Home & Auto | $125 |
Savings for Every Kind of 02886 Driver
Based on our extensive insurance data, we know the average 02886 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 $758 per year by choosing the right vehicle insurance company. Some 02886 residents are paying out over $2,278 extra every year for auto insurance in 02886. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
02886, RI Savings / Yr. |
|---|---|
$758 |
|
$916 |
|
$1,009 |
|
$1,706 |
|
$3,548 |
|
$259 |
|
$768 |
02886 Car Insurance vs. Rhode Island
People living in 02886 pay an average of 2.30% more than the typical driver in the state. The average driver in 02886 can expect to pay about $1,394 per year, or $2,278 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in 02886 for most people.
Car Insurance Prices by 02886 Neighborhood
Insurance Prices
Where is insurance cheapest within 02886?
The map shows insurance prices in and around 02886, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $315 per year within the zip boundaries, with insurance premiums ranging from a high of $2,518 to a low of $2,203. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of 02886.Pick the Best Car Insurance Company for You in 02886
The best car insurance provider for most drivers in 02886
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $758 over the average 02886 car insurance company.
The best car insurance provider for 02886 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 $916 over the competition.
The best car insurance company for 02886 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,009 better than other car insurance companies.
The best auto insurance for 02886 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,706 less each year.
The least expensive car insurance company for new and young drivers in 02886
In 02886, State Farm costs young drivers $3,548 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 02886
Geico gave the largest car insurance discounts to married couples, averaging $259 saved each year compared to an average 02886 couple's premiums.
The cheapest car insurance in 02886 for drivers with bad credit
The best 02886 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 02886, which was better than other insurers.
The cheapest large national provider in 02886
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 02886 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 02886, 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 02886
What Influences the Cost of Car Insurance in 02886?
On average, car insurance in 02886 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 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 02886 are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- 02886 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 02886 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
- 02893: Insurance costs 0.22% more
- 02889: Insurance costs 0.31% more
- 02818: Insurance costs 2.50% less
- 02888: Insurance costs 1.23% more
- 02920: Insurance costs 9.92% more
- 02921: Insurance costs 0.92% less
- 02910: Insurance costs 8.47% more
- 02816: Insurance costs 2.68% less
- 02905: Insurance costs 18.09% more
- 02831: Insurance costs 3.64% less
Zip Codes with Similar Populations
- 28752: Insurance costs 46.36% less
- 70791: Insurance costs 43.81% more
- 79934: Insurance costs 19.89% less
- 42071: Insurance costs 10.05% less
- 33928: Insurance costs 5.40% more
- 32250: Insurance costs 9.61% more
- 91746: Insurance costs 1.80% more
- 96815: Insurance costs 35.47% less
- 65536: Insurance costs 21.38% less
- 07065: Insurance costs 7.42% less