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Get Cheap Car Insurance in North Smithfield, RI
We monitor insurance prices, helping the average driver in North Smithfield save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in North Smithfield
The chart below shows the cheapest car insurance company in North Smithfield 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.
| North Smithfield Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $78 |
| Geico | $101 |
| Progressive | $118 |
| Midvale Home & Auto | $123 |
Savings for Every Kind of North Smithfield Driver
Based on our extensive insurance data, we know the average North Smithfield 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 $748 per year by choosing the right vehicle insurance company. Some North Smithfield residents are paying out over $2,249 extra every year for auto insurance in North Smithfield. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Smithfield, RI Savings / Yr. |
|---|---|
$748 |
|
$904 |
|
$996 |
|
$1,684 |
|
$3,502 |
|
$255 |
|
$758 |
North Smithfield Car Insurance vs. Rhode Island
People living in North Smithfield pay an average of 0.98% more than the typical driver in the state. The average driver in North Smithfield can expect to pay about $1,376 per year, or $2,249 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in North Smithfield for most people.
Car Insurance Prices by North Smithfield Neighborhood
Insurance Prices
Where is insurance cheapest within North Smithfield?
The map shows insurance prices in and around North Smithfield, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $546 per year within the city boundaries, with insurance premiums ranging from a high of $2,718 to a low of $2,172. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of North Smithfield.Pick the Best Car Insurance Company for You in North Smithfield
The best car insurance provider for most drivers in North Smithfield
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $748 over the average North Smithfield car insurance company.
The best car insurance provider for North Smithfield 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 $904 over the competition.
The best car insurance company for North Smithfield drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $996 better than other car insurance companies.
The best auto insurance for North Smithfield drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,684 less each year.
The least expensive car insurance company for new and young drivers in North Smithfield
In North Smithfield, State Farm costs young drivers $3,502 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Smithfield
Geico gave the largest car insurance discounts to married couples, averaging $255 saved each year compared to an average North Smithfield couple's premiums.
The cheapest car insurance in North Smithfield for drivers with bad credit
The best North Smithfield car insurance company for customer service
Amica was the best company for customer service in North Smithfield according to the NAIC.
Recent price drops
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The cheapest large national provider in North Smithfield
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average North Smithfield 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 North Smithfield, 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 North Smithfield
What Influences the Cost of Car Insurance in North Smithfield?
On average, car insurance in North Smithfield 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 North Smithfield is 34 minutes, which is a little more 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 North Smithfield are higher than average 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.
- North Smithfield 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 North Smithfield is $115 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
- Woonsocket: Insurance costs 8.40% more
- Slatersville: Insurance costs 3.69% less
- Blackstone: Insurance costs 31.17% less
- Millville: Insurance costs 32.64% less
- Manville: Insurance costs 0.40% more
- Cumberland Hill: Insurance costs 0.49% less
- Oakland: Insurance costs 4.58% less
- Harrisville: Insurance costs 2.67% less
- Mapleville: Insurance costs 1.16% less
- Stillwater: Insurance costs 2.31% less
Cities with Similar Populations
- Blanchard: Insurance costs 22.32% less
- Winston: Insurance costs 17.92% less
- Willowbrook: Insurance costs 28.86% less
- Bridge City: Insurance costs 23.34% less
- Brandon: Insurance costs 33.61% less
- Boyds: Insurance costs 13.21% less
- Bonne Terre: Insurance costs 18.10% less
- Bonifay: Insurance costs 3.96% more
- Bluff City: Insurance costs 41.35% less
- Wood River: Insurance costs 32.95% less