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Get Cheap Car Insurance in Cumberland, RI

We monitor insurance prices, helping the average driver in Cumberland save up to 41.3% on car insurance.

 

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The Cheapest Minimum Coverage in Cumberland

The chart below shows the cheapest car insurance company in Cumberland 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.

 
Cumberland Insurer Monthly Cost
Safeco Insurance $78
Geico $100
Progressive $117
Midvale Home & Auto $123

Savings for Every Kind of Cumberland Driver

The table shows how much the average auto insurance customer in Cumberland might save by following our recommendations.

Based on our extensive insurance data, we know the average Cumberland 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 $746 per year by choosing the right vehicle insurance company. Some Cumberland residents are paying out over $2,241 extra every year for auto insurance in Cumberland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Cumberland, RI Savings / Yr.
Drivers with good records
$746
Drivers with accidents
$901
Drivers with speeding tickets
$992
Drivers with a DUI conviction
$1,678
Young drivers
$3,490
Married drivers
$255
Drivers with bad credit
$756

Cumberland Car Insurance vs. Rhode Island

People living in Cumberland pay an average of 0.62% more than the typical driver in the state. The average driver in Cumberland can expect to pay about $1,371 per year, or $2,241 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Cumberland for most people.

Car Insurance Prices by Cumberland Neighborhood

Cumberland, RI map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Cumberland?

The map shows insurance prices in and around Cumberland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $191 per year within the city boundaries, with insurance premiums ranging from a high of $2,343 to a low of $2,152. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Cumberland.

Pick the Best Car Insurance Company for You in Cumberland

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Cumberland insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Cumberland

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $746 over the average Cumberland car insurance company.

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We use the average good driver, paying $125 per month, as our baseline for pricing in Cumberland. State Farm, Travelers, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Cumberland drivers with accidents on their records

In Cumberland getting into an accident will raise premiums an average 25% for a yearly cost of $3,001. That's $760 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Safeco Insurance saved the average person who had been in an accident the most, with annual savings averaging $901 over the competition.

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The best car insurance company for Cumberland drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $992 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Cumberland, tickets raise premiums on new quotes about $694. If you have a speeding ticket, we recommend State Farm, Travelers, and Safeco Insurance for savings that beat the average insurance cost of $2,935 per year.

The best auto insurance for Cumberland drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,061 per year in auto insurance premiums, which was $1,820 more than a driver with no major issues. State Farm, Progressive, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $1,678 less each year.

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The least expensive car insurance company for new and young drivers in Cumberland

In Cumberland, State Farm costs young drivers $3,490 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 75% more for insurance than more mature drivers in Cumberland. With an average cost of $8,895 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Allstate try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Cumberland

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $141. Geico, Progressive, and Nationwide provided the largest discounts to couples living in Cumberland.

Geico gave the largest car insurance discounts to married couples, averaging $255 saved each year compared to an average Cumberland couple's premiums.

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The cheapest car insurance in Cumberland for drivers with bad credit

People with poor credit saved an average of $756 with State Farm.

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Many people are surprised that their poor credit score can cost them an average of $1,304 every year. Premiums for people with poor credit were about $3,545 in Cumberland. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Travelers.

The best Cumberland car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Cumberland, the National Association of Insurance Commissioners (NAIC) ranks Amica as the best. Another valuable metric: JD Power ranks Amica as the best provider in Cumberland.

Amica was the best company for customer service in Cumberland according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Cumberland, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Cumberland. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Cumberland

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Cumberland residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Cumberland driver can expect to pay about $124 per month.

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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 Cumberland, 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.
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Auto Insurance Prices in and Around Cumberland

What Influences the Cost of Car Insurance in Cumberland?

On average, car insurance in Cumberland 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 city are influenced by the following factors:

  • The average commute time in Cumberland is 31 minutes, which is a little less 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 Cumberland are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Cumberland is a fairly densely populated area 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 Cumberland is $114 per month for minimum coverage and $187 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

Cities with Similar Populations

* Who is the average Cumberland driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Cumberland with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.