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Get Cheap Car Insurance in Portsmouth, RI
We monitor insurance prices, helping the average driver in Portsmouth save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in Portsmouth
The chart below shows the cheapest car insurance company in Portsmouth 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.
| Portsmouth Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $77 |
| Geico | $99 |
| Progressive | $116 |
| Midvale Home & Auto | $122 |
Savings for Every Kind of Portsmouth Driver
Based on our extensive insurance data, we know the average Portsmouth 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 $738 per year by choosing the right vehicle insurance company. Some Portsmouth residents are paying out over $2,219 extra every year for auto insurance in Portsmouth. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Portsmouth, RI Savings / Yr. |
|---|---|
$738 |
|
$892 |
|
$983 |
|
$1,662 |
|
$3,456 |
|
$252 |
|
$748 |
Portsmouth Car Insurance vs. Rhode Island
People living in Portsmouth pay an average of 0.34% less than the typical driver in the state. The average driver in Portsmouth can expect to pay about $1,358 per year, or $2,219 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Portsmouth for most people.
Car Insurance Prices by Portsmouth Neighborhood
Insurance Prices
Where is insurance cheapest within Portsmouth?
The map shows insurance prices in and around Portsmouth, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $80 per year within the city boundaries, with insurance premiums ranging from a high of $2,268 to a low of $2,188. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Portsmouth.Pick the Best Car Insurance Company for You in Portsmouth
The best car insurance provider for most drivers in Portsmouth
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $738 over the average Portsmouth car insurance company.
The best car insurance provider for Portsmouth 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 $892 over the competition.
The best car insurance company for Portsmouth drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $983 better than other car insurance companies.
The best auto insurance for Portsmouth drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,662 less each year.
The least expensive car insurance company for new and young drivers in Portsmouth
In Portsmouth, State Farm costs young drivers $3,456 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Portsmouth
Geico gave the largest car insurance discounts to married couples, averaging $252 saved each year compared to an average Portsmouth couple's premiums.
The cheapest car insurance in Portsmouth for drivers with bad credit
The best Portsmouth car insurance company for customer service
Recent price drops
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The cheapest large national provider in Portsmouth
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Portsmouth 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 Portsmouth, 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 Portsmouth
What Influences the Cost of Car Insurance in Portsmouth?
On average, car insurance in Portsmouth 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:
- The average commute time in Portsmouth is 29 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 Portsmouth 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.
- Portsmouth has an average population density 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 Portsmouth is $113 per month for minimum coverage and $185 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
- Prudence Park: Insurance costs 1.58% more
- Prudence Island: Insurance costs 1.58% more
- Middletown: Insurance costs 1.04% less
- Tiverton: Insurance costs 0.59% less
- Newport East: Insurance costs 0.68% more
- Bristol: Insurance costs 2.66% more
- Little Compton: Insurance costs 2.66% less
- Newport: Insurance costs 2.39% more
- Westport: Insurance costs 29.56% less
- Jamestown: Insurance costs 1.40% less
Cities with Similar Populations
- Spearfish: Insurance costs 26.27% less
- Firestone: Insurance costs 16.99% less
- Scott: Insurance costs 47.45% more
- Selma: Insurance costs 42.05% less
- Senoia: Insurance costs 21.09% less
- Smithfield: Insurance costs 45.20% less
- Somerset: Insurance costs 27.40% less
- South Hadley: Insurance costs 30.73% less
- South Ogden: Insurance costs 37.18% less
- South River: Insurance costs 13.47% less