Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Oakland Beach, Warwick, RI
We monitor insurance prices, helping the average driver in Oakland Beach save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in Oakland Beach
The chart below shows the cheapest car insurance company in Oakland Beach 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.
| Oakland Beach Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $84 |
| Geico | $108 |
| Progressive | $126 |
| Midvale Home & Auto | $131 |
Savings for Every Kind of Oakland Beach Driver
Based on our extensive insurance data, we know the average Oakland Beach 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 $799 per year by choosing the right vehicle insurance company. Some Oakland Beach residents are paying out over $2,401 extra every year for auto insurance in Oakland Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oakland Beach, Warwick, RI Savings / Yr. |
|---|---|
$799 |
|
$965 |
|
$1,063 |
|
$1,798 |
|
$3,738 |
|
$273 |
|
$810 |
Oakland Beach Car Insurance vs. Warwick
People living in Oakland Beach pay an average of 7.80% more than the typical driver in the state. The average driver in Oakland Beach can expect to pay about $1,469 per year, or $2,401 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Oakland Beach for most people.
Car Insurance Prices by Oakland Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Oakland Beach?
The map shows insurance prices in and around Oakland Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $312 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,573 to a low of $2,261. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the West parts of Oakland Beach.Pick the Best Car Insurance Company for You in Oakland Beach
The best car insurance provider for most drivers in Oakland Beach
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $799 over the average Oakland Beach car insurance company.
The best car insurance provider for Oakland Beach 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 $965 over the competition.
The best car insurance company for Oakland Beach drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,063 better than other car insurance companies.
The best auto insurance for Oakland Beach drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,798 less each year.
The least expensive car insurance company for new and young drivers in Oakland Beach
In Oakland Beach, State Farm costs young drivers $3,738 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oakland Beach
Geico gave the largest car insurance discounts to married couples, averaging $273 saved each year compared to an average Oakland Beach couple's premiums.
The cheapest car insurance in Oakland Beach for drivers with bad credit
The best Oakland Beach car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Oakland Beach, which was better than other insurers.
The cheapest large national provider in Oakland Beach
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oakland Beach 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 Oakland Beach, 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 Oakland Beach
What Influences the Cost of Car Insurance in Oakland Beach?
On average, car insurance in Oakland Beach 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 Oakland Beach is 33 minutes, which is far more than average for a driver in the city.
- Rhode Island state insurance regulations may require higher prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Oakland Beach are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Oakland Beach is a fairly densely populated area in the state. The neighborhood’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 Oakland Beach is $122 per month for minimum coverage and $200 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
- Wildes Corner: Insurance costs 5.00% less
- Greenwood: Insurance costs 5.66% less
- Lakewood: Insurance costs 0.79% less
- Garden City: Insurance costs 3.04% less
- Oaklawn: Insurance costs 5.83% less
- Auburn: Insurance costs 3.46% more
- Kent Corner: Insurance costs 4.91% less
- Edgewood: Insurance costs 2.71% more
- South Elmwood: Insurance costs 9.79% more
- River Point: Insurance costs 3.58% less
Neighborhoods with Similar Populations
- Boston Edison: Insurance costs 64.26% more
- Fondren North Renaissance: Insurance costs 27.41% less
- Downtown Conneaut: Insurance costs 53.89% less
- North Park Forest: Insurance costs 13.83% less
- Historic Montford: Insurance costs 47.81% less
- Heart of the City: Insurance costs 24.36% less
- Rancho Dominguez: Insurance costs 2.58% more
- Emerald Lake-Miami: Insurance costs 40.23% more
- Downtown Grand Forks: Insurance costs 43.32% less
- Coquina Key: Insurance costs 23.37% more