Best Cheap Auto Insurance in Carolina, RI (2021)

The average Carolina, RI auto insurance rates are $372 per month. The minimum auto insurance in Carolina is at least 25/50/25 in coverage to comply with Rhode Island auto insurance laws. To find the best cheap auto insurance in Carolina, Rhode Island, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Carolina, RI for senior drivers are $2,373 per year
  • The average commute length in Carolina is 26.2 minutes
  • The most expensive auto insurance company in Carolina for teen drivers is Travelers

Carolina, Rhode Island auto insurance requirements are 25/50/25 according to Rhode Island auto insurance laws. Finding cheap auto insurance in Carolina can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Carolina, Rhode Island, including driving record, credit, commute time, and more.

Compare auto insurance in Carolina to other Rhode Island cities, including Melville auto insurance rates, Exeter auto insurance rates, and Kenyon auto insurance rates to see how Carolina, Rhode Island auto insurance rates stack up.

Before you buy Carolina, Rhode Island auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Carolina, Rhode Island auto insurance quotes.

Minimum Auto Insurance in Carolina, Rhode Island

Carolina, Rhode Island auto insurance laws require that you have at least the Rhode Island minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Carolina, Rhode Island.

Minimum Required Auto Insurance Coverage in Carolina, Rhode Island

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Carolina, Rhode Island Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Carolina, Rhode Island are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Carolina, Rhode Island

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,428 $3,366 $3,403 $3,550 $6,033 $7,085 $3,591 $3,698
GEICO $2,730 $2,798 $2,798 $2,737 $8,421 $11,023 $2,823 $2,947
Liberty Mutual $3,702 $3,702 $3,530 $3,530 $8,914 $13,893 $3,702 $5,023
Nationwide $2,426 $2,463 $2,153 $2,274 $6,053 $7,740 $2,848 $3,080
Progressive $2,668 $2,531 $2,450 $2,435 $11,996 $13,498 $3,263 $3,328
State Farm $1,326 $1,326 $1,171 $1,171 $3,641 $4,851 $1,456 $1,736
Travelers $1,507 $1,524 $1,535 $1,524 $15,287 $24,034 $1,548 $1,718
USAA $1,952 $1,925 $1,874 $1,833 $9,023 $10,316 $2,664 $2,789

Cheap Carolina, Rhode Island Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Carolina, Rhode Island is a challenge. Take a look at the annual teen auto insurance rates in Carolina, Rhode Island.

Annual Auto Insurance Rates for Teen Drivers in Carolina, Rhode Island

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,033 $7,085
GEICO $8,421 $11,023
Liberty Mutual $8,914 $13,893
Nationwide $6,053 $7,740
Progressive $11,996 $13,498
State Farm $3,641 $4,851
Travelers $15,287 $24,034
USAA $9,023 $10,316

Cheap Carolina, Rhode Island Auto Insurance for Seniors

What are senior auto insurance rates in Carolina, Rhode Island? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Carolina, Rhode Island

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,403 $3,550
GEICO $2,798 $2,737
Liberty Mutual $3,530 $3,530
Nationwide $2,153 $2,274
Progressive $2,450 $2,435
State Farm $1,171 $1,171
Travelers $1,535 $1,524
USAA $1,874 $1,833

Cheap Carolina, Rhode Island Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Carolina, Rhode Island compared to the annual auto insurance rates with a clean record in Carolina, Rhode Island.

Annual Carolina, Rhode Island Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,563 $4,360 $5,062 $4,092
GEICO $2,937 $3,865 $7,648 $3,688
Liberty Mutual $5,312 $6,143 $6,231 $5,312
Nationwide $3,297 $3,701 $4,075 $3,446
Progressive $4,299 $6,830 $4,829 $5,127
State Farm $1,933 $2,539 $1,933 $1,933
Travelers $5,452 $5,636 $7,042 $6,209
USAA $2,938 $3,992 $6,140 $3,119

Cheap Carolina, Rhode Island Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Carolina, Rhode Island is not easy. Compare the annual rates for DUI auto insurance in Carolina, Rhode Island to find the best deal.

Annual Auto Insurance Rates After a DUI in Carolina, Rhode Island

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,062
GEICO $7,648
Liberty Mutual $6,231
Nationwide $4,075
Progressive $4,829
State Farm $1,933
Travelers $7,042
USAA $6,140

Cheap Carolina, Rhode Island Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Carolina, Rhode Island annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Carolina, Rhode Island

Insurance Company Poor Fair Good
Allstate $5,342 $4,113 $3,353
GEICO $5,085 $4,407 $4,112
Liberty Mutual $7,557 $5,023 $4,669
Nationwide $4,202 $3,469 $3,219
Progressive $5,899 $5,136 $4,780
State Farm $2,799 $1,893 $1,562
Travelers $6,385 $5,946 $5,923
USAA $5,994 $3,416 $2,731

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Cheap Carolina, Rhode Island Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Carolina, Rhode Island can vary. Compare the annual cost of auto insurance by ZIP code in Carolina, Rhode Island to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Carolina, Rhode Island

ZIP Code Average Annual Rates
2812 $4,459

Cheap Carolina, Rhode Island Auto Insurance Rates By Commute

Commute length and annual mileage affect Carolina, Rhode Island auto insurance. Find the cheapest annual Carolina, Rhode Island auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Carolina, Rhode Island

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,239 $4,299
GEICO $4,443 $4,627
Liberty Mutual $5,564 $5,935
Nationwide $3,630 $3,630
Progressive $5,271 $5,271
State Farm $2,022 $2,147
Travelers $6,085 $6,085
USAA $4,009 $4,086

Cheap Carolina, Rhode Island Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Carolina, Rhode Island? Check out the comparison of annual Carolina, Rhode Island auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Carolina, Rhode Island

Insurance Company Low Medium High
Allstate $4,069 $4,259 $4,479
GEICO $4,323 $4,523 $4,758
Liberty Mutual $5,406 $5,710 $6,134
Nationwide $3,726 $3,647 $3,517
Progressive $4,962 $5,239 $5,613
State Farm $1,975 $2,081 $2,198
Travelers $6,193 $6,195 $5,866
USAA $3,863 $4,051 $4,228

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Best By Category: Cheapest Auto Insurance in Carolina, Rhode Island

Compare the cheapest auto insurance companies in Carolina, Rhode Island in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Carolina, Rhode Island

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

The Cheapest Carolina, Rhode Island Auto Insurance Companies

What auto insurance companies in Carolina, Rhode Island are the cheapest? Compare the top Carolina, Rhode Island auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Carolina, Rhode Island

Insurance Company Average Annual Rates
Allstate $4,269
GEICO $4,535
Liberty Mutual $5,750
Nationwide $3,630
Progressive $5,271
State Farm $2,085
Travelers $6,085
USAA $4,047

What affects auto insurance rates in Carolina, Rhode Island?

There are a lot of reasons why auto insurance rates in Carolina, Rhode Island are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Carolina, Rhode Island. Many local factors may affect your Carolina auto insurance rates.

Carolina Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Carolina, Rhode Island commute length is 26.2 minutes according to City-Data.

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Compare Carolina, Rhode Island Auto Insurance Quotes

Before you buy Carolina, Rhode Island auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Carolina, Rhode Island auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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