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Get Cheap Car Insurance in Charlestown, RI
We monitor insurance prices, helping the average driver in Charlestown save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in Charlestown
The chart below shows the cheapest car insurance company in Charlestown 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.
| Charlestown Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $74 |
| Geico | $96 |
| Progressive | $112 |
| Midvale Home & Auto | $117 |
Savings for Every Kind of Charlestown Driver
Based on our extensive insurance data, we know the average Charlestown 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 $711 per year by choosing the right vehicle insurance company. Some Charlestown residents are paying out over $2,138 extra every year for auto insurance in Charlestown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Charlestown, RI Savings / Yr. |
|---|---|
$711 |
|
$859 |
|
$947 |
|
$1,601 |
|
$3,329 |
|
$243 |
|
$721 |
Charlestown Car Insurance vs. Rhode Island
People living in Charlestown pay an average of 4.01% less than the typical driver in the state. The average driver in Charlestown can expect to pay about $1,308 per year, or $2,138 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Charlestown for most people.
Car Insurance Prices by Charlestown Neighborhood
Insurance Prices
Where is insurance cheapest within Charlestown?
The map shows insurance prices in and around Charlestown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $112 per year within the city boundaries, with insurance premiums ranging from a high of $2,197 to a low of $2,085. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of Charlestown.Pick the Best Car Insurance Company for You in Charlestown
The best car insurance provider for most drivers in Charlestown
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $711 over the average Charlestown car insurance company.
The best car insurance provider for Charlestown 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 $859 over the competition.
The best car insurance company for Charlestown drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $947 better than other car insurance companies.
The best auto insurance for Charlestown drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,601 less each year.
The least expensive car insurance company for new and young drivers in Charlestown
In Charlestown, State Farm costs young drivers $3,329 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Charlestown
Geico gave the largest car insurance discounts to married couples, averaging $243 saved each year compared to an average Charlestown couple's premiums.
The cheapest car insurance in Charlestown for drivers with bad credit
The best Charlestown car insurance company for customer service
Recent price drops
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The cheapest large national provider in Charlestown
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Charlestown 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 Charlestown, 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 Charlestown
What Influences the Cost of Car Insurance in Charlestown?
On average, car insurance in Charlestown is actually less expensive than the rest of the state. These low 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 city 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 Charlestown are higher than 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.
- Charlestown is one of the most densely populated areas in the state. The city’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 Charlestown is $109 per month for minimum coverage and $178 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 Cities
- Wood River Junction: Insurance costs 0.56% more
- Kenyon: Insurance costs 0.65% less
- Bradford: Insurance costs 1.68% more
- Carolina: Insurance costs 0.94% more
- South Kingstown: Insurance costs 0.14% more
- Richmond: Insurance costs 1.31% more
- Ashaway: Insurance costs 1.54% more
- Wakefield: Insurance costs 1.22% more
- Tuckertown: Insurance costs 0.28% more
- Westerly: Insurance costs 2.76% more
Cities with Similar Populations
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- Lucas: Insurance costs 20.77% less
- Lutherville: Insurance costs 11.65% less
- Manchester: Insurance costs 41.07% less
- Mannford: Insurance costs 20.25% less
- Mauston: Insurance costs 47.05% less
- Mechanicstown: Insurance costs 24.93% more
- Pana: Insurance costs 31.67% less