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Get Cheap Car Insurance in 02904, RI
We monitor insurance prices, helping the average driver in 02904 save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in 02904
The chart below shows the cheapest car insurance company in 02904 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.
| 02904 Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $87 |
| Geico | $113 |
| Progressive | $131 |
| Midvale Home & Auto | $137 |
Savings for Every Kind of 02904 Driver
Based on our extensive insurance data, we know the average 02904 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 $835 per year by choosing the right vehicle insurance company. Some 02904 residents are paying out over $2,509 extra every year for auto insurance in 02904. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
02904, RI Savings / Yr. |
|---|---|
$835 |
|
$1,008 |
|
$1,111 |
|
$1,879 |
|
$3,907 |
|
$285 |
|
$846 |
02904 Car Insurance vs. Rhode Island
People living in 02904 pay an average of 12.66% more than the typical driver in the state. The average driver in 02904 can expect to pay about $1,536 per year, or $2,509 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in 02904 for most people.
Car Insurance Prices by 02904 Neighborhood
Insurance Prices
Where is insurance cheapest within 02904?
The map shows insurance prices in and around 02904, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $668 per year within the zip boundaries, with insurance premiums ranging from a high of $2,892 to a low of $2,224. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of 02904.Pick the Best Car Insurance Company for You in 02904
The best car insurance provider for most drivers in 02904
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $835 over the average 02904 car insurance company.
The best car insurance provider for 02904 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 $1,008 over the competition.
The best car insurance company for 02904 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,111 better than other car insurance companies.
The best auto insurance for 02904 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,879 less each year.
The least expensive car insurance company for new and young drivers in 02904
In 02904, State Farm costs young drivers $3,907 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 02904
Geico gave the largest car insurance discounts to married couples, averaging $285 saved each year compared to an average 02904 couple's premiums.
The cheapest car insurance in 02904 for drivers with bad credit
The best 02904 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 02904
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 02904 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 02904, 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 02904
What Influences the Cost of Car Insurance in 02904?
On average, car insurance in 02904 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 02904 is 32 minutes, which is about the national 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 02904 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- 02904 is a lightly populated area 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 02904 is $128 per month for minimum coverage and $209 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
- 02908: Insurance costs 5.86% more
- 02911: Insurance costs 4.07% less
- 02860: Insurance costs 7.13% more
- 02906: Insurance costs 2.99% less
- 02903: Insurance costs 0.12% more
- 02863: Insurance costs 12.40% more
- 02909: Insurance costs 9.17% more
- 02912: Insurance costs 5.26% less
- 02865: Insurance costs 9.21% less
- 02919: Insurance costs 8.29% less
Zip Codes with Similar Populations
- 32583: Insurance costs 3.71% less
- 94607: Insurance costs 2.87% less
- 32533: Insurance costs 2.35% less
- 02893: Insurance costs 9.01% less
- 11731: Insurance costs 6.30% more
- 01821: Insurance costs 37.74% less
- 34638: Insurance costs 10.92% more
- 67217: Insurance costs 34.95% less
- 60174: Insurance costs 40.10% less
- 60134: Insurance costs 41.65% less