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Get Cheap Car Insurance in Elmwood, Providence, RI
We monitor insurance prices, helping the average driver in Elmwood save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in Elmwood
The chart below shows the cheapest car insurance company in Elmwood 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.
| Elmwood Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $98 |
| Geico | $126 |
| Progressive | $148 |
| Midvale Home & Auto | $155 |
Savings for Every Kind of Elmwood Driver
Based on our extensive insurance data, we know the average Elmwood 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 $939 per year by choosing the right vehicle insurance company. Some Elmwood residents are paying out over $2,822 extra every year for auto insurance in Elmwood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Elmwood, Providence, RI Savings / Yr. |
|---|---|
$939 |
|
$1,134 |
|
$1,249 |
|
$2,114 |
|
$4,394 |
|
$321 |
|
$952 |
Elmwood Car Insurance vs. Providence
People living in Elmwood pay an average of 26.71% more than the typical driver in the state. The average driver in Elmwood can expect to pay about $1,727 per year, or $2,822 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Elmwood for most people.
Car Insurance Prices by Elmwood Neighborhood
Insurance Prices
Where is insurance cheapest within Elmwood?
The map shows insurance prices in and around Elmwood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $540 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,060 to a low of $2,520. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Elmwood.Pick the Best Car Insurance Company for You in Elmwood
The best car insurance provider for most drivers in Elmwood
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $939 over the average Elmwood car insurance company.
The best car insurance provider for Elmwood 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 $1,134 over the competition.
The best car insurance company for Elmwood drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,249 better than other car insurance companies.
The best auto insurance for Elmwood drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $2,114 less each year.
The least expensive car insurance company for new and young drivers in Elmwood
In Elmwood, State Farm costs young drivers $4,394 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Elmwood
Geico gave the largest car insurance discounts to married couples, averaging $321 saved each year compared to an average Elmwood couple's premiums.
The cheapest car insurance in Elmwood for drivers with bad credit
The best Elmwood car insurance company for customer service
Recent price drops
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The cheapest large national provider in Elmwood
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Elmwood 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 Elmwood, 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 Elmwood
What Influences the Cost of Car Insurance in Elmwood?
On average, car insurance in Elmwood 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 neighborhood are influenced by the following factors:
- The average commute time in Elmwood is 29 minutes, which is about the national average for a driver in the city.
- 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 Elmwood are higher than average 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.
- Elmwood is one of the least populated areas in the state. The neighborhood’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 Elmwood is $144 per month for minimum coverage and $235 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 Neighborhoods
- Wayland: Insurance costs 15.49% less
- Lower South Providence: Insurance costs 2.87% more
- Upper South Providence: Insurance costs 4.36% less
- Reservoir: Insurance costs 8.93% less
- West End: Insurance costs 0.96% more
- Washington Park: Insurance costs 1.59% less
- South Elmwood: Insurance costs 6.59% less
- Federal Hill: Insurance costs 7.76% less
- Downtown: Insurance costs 10.77% less
- Edgewood: Insurance costs 12.62% less
Neighborhoods with Similar Populations
- Serrano Village: Insurance costs 27.92% less
- Devon-Walnut Beach: Insurance costs 25.58% less
- Interbay: Insurance costs 42.13% less
- Sexton Mountain: Insurance costs 40.89% less
- Sherwood-Tualatin North: Insurance costs 44.01% less
- Norteast Citizens Action: Insurance costs 5.28% more
- Mount Pleasant: Insurance costs 1.42% less
- Madisonville: Insurance costs 56.52% less
- Larkspur: Insurance costs 50.64% less
- Idle Hour: Insurance costs 21.86% less