Cranston, RI Auto Insurance (2023)
The average Cranston, RI auto insurance rates are $522 per month. The minimum auto insurance in Cranston is at least 25/50/25 in coverage to comply with Rhode Island auto insurance laws. To find the best cheap auto insurance in Cranston, Rhode Island, compare quotes from multiple companies.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Cranston is 23.2 minutes
- The most expensive auto insurance company in Cranston for teen drivers is Travelers
- The minimum auto insurance required in Cranston, Rhode Island is 25/50/25
Cranston, Rhode Island auto insurance requirements are 25/50/25 according to Rhode Island auto insurance laws. Finding cheap auto insurance in Cranston 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 Cranston, Rhode Island, including driving record, credit, commute time, and more.
Compare auto insurance in Cranston to other Rhode Island cities, including Jamestown auto insurance rates, Kenyon auto insurance rates, and Bradford auto insurance rates to see how Cranston, Rhode Island auto insurance rates stack up.
Before you buy Cranston, Rhode Island auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Cranston, Rhode Island auto insurance quotes.
Minimum Auto Insurance in Cranston, Rhode Island
Cranston, 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 Cranston, 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 Cranston, Rhode Island Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Cranston, Rhode Island are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $4,929 | $4,840 | $4,886 | $5,107 | $8,438 | $9,991 | $5,163 | $5,326 |
| Geico | $4,475 | $4,584 | $4,584 | $4,482 | $14,080 | $18,400 | $4,636 | $4,842 |
| Liberty Mutual | $4,871 | $4,871 | $4,637 | $4,637 | $11,983 | $18,777 | $4,871 | $6,674 |
| Nationwide | $3,672 | $3,735 | $3,186 | $3,400 | $10,116 | $13,127 | $4,427 | $4,842 |
| Progressive | $3,072 | $2,917 | $2,830 | $2,810 | $13,709 | $15,434 | $3,748 | $3,815 |
| State Farm | $1,759 | $1,759 | $1,552 | $1,552 | $4,856 | $6,476 | $1,934 | $2,308 |
| Travelers | $2,150 | $2,177 | $2,189 | $2,179 | $22,528 | $35,695 | $2,215 | $2,470 |
| USAA | $2,508 | $2,481 | $2,401 | $2,353 | $11,776 | $13,464 | $3,439 | $3,614 |
Cheap Cranston, Rhode Island Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Cranston, Rhode Island is a challenge. Take a look at the annual teen auto insurance rates in Cranston, Rhode Island.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,438 | $9,991 |
| Geico | $14,080 | $18,400 |
| Liberty Mutual | $11,983 | $18,777 |
| Nationwide | $10,116 | $13,127 |
| Progressive | $13,709 | $15,434 |
| State Farm | $4,856 | $6,476 |
| Travelers | $22,528 | $35,695 |
| USAA | $11,776 | $13,464 |
Cheap Cranston, Rhode Island Auto Insurance for Seniors
What are senior auto insurance rates in Cranston, Rhode Island? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,886 | $5,107 |
| Geico | $4,584 | $4,482 |
| Liberty Mutual | $4,637 | $4,637 |
| Nationwide | $3,186 | $3,400 |
| Progressive | $2,830 | $2,810 |
| State Farm | $1,552 | $1,552 |
| Travelers | $2,189 | $2,179 |
| USAA | $2,401 | $2,353 |
Cheap Cranston, 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 Cranston, Rhode Island compared to the annual auto insurance rates with a clean record in Cranston, Rhode Island.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,379 | $6,175 | $6,878 | $5,908 |
| Geico | $4,851 | $6,379 | $12,723 | $6,088 |
| Liberty Mutual | $7,153 | $8,238 | $8,116 | $7,153 |
| Nationwide | $5,480 | $5,884 | $6,259 | $5,629 |
| Progressive | $4,920 | $7,831 | $5,536 | $5,880 |
| State Farm | $2,572 | $3,384 | $2,572 | $2,572 |
| Travelers | $8,021 | $8,298 | $10,342 | $9,142 |
| USAA | $3,807 | $5,178 | $7,989 | $4,044 |
Cheap Cranston, Rhode Island Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Cranston, Rhode Island is not easy. Compare the annual rates for DUI auto insurance in Cranston, Rhode Island to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,878 |
| Geico | $12,723 |
| Liberty Mutual | $8,116 |
| Nationwide | $6,259 |
| Progressive | $5,536 |
| State Farm | $2,572 |
| Travelers | $10,342 |
| USAA | $7,989 |
Cheap Cranston, Rhode Island Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Cranston, Rhode Island annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,655 | $5,855 | $4,745 |
| Geico | $8,412 | $7,303 | $6,816 |
| Liberty Mutual | $10,110 | $6,683 | $6,204 |
| Nationwide | $6,762 | $5,551 | $5,126 |
| Progressive | $6,776 | $5,882 | $5,468 |
| State Farm | $3,730 | $2,518 | $2,076 |
| Travelers | $9,392 | $8,748 | $8,711 |
| USAA | $7,808 | $4,426 | $3,529 |
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Cheap Cranston, Rhode Island Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Cranston, Rhode Island can vary. Compare the annual cost of auto insurance by ZIP code in Cranston, Rhode Island to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 2910 | $6,108 |
| 2920 | $5,976 |
| 2921 | $6,042 |
Cheap Cranston, Rhode Island Auto Insurance Rates By Commute
Commute length and annual mileage affect Cranston, Rhode Island auto insurance. Find the cheapest annual Cranston, Rhode Island auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,039 | $6,131 |
| Geico | $7,358 | $7,662 |
| Liberty Mutual | $7,412 | $7,919 |
| Nationwide | $5,813 | $5,813 |
| Progressive | $6,042 | $6,042 |
| State Farm | $2,690 | $2,859 |
| Travelers | $8,950 | $8,950 |
| USAA | $5,204 | $5,305 |
Cheap Cranston, Rhode Island Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Cranston, Rhode Island? Check out the comparison of annual Cranston, Rhode Island auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,713 | $6,066 | $6,477 |
| Geico | $7,123 | $7,493 | $7,914 |
| Liberty Mutual | $7,216 | $7,629 | $8,151 |
| Nationwide | $6,010 | $5,861 | $5,568 |
| Progressive | $5,628 | $5,995 | $6,503 |
| State Farm | $2,626 | $2,771 | $2,928 |
| Travelers | $9,080 | $9,117 | $8,654 |
| USAA | $5,008 | $5,259 | $5,497 |
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Best By Category: Cheapest Auto Insurance in Cranston, Rhode Island
Compare the cheapest auto insurance companies in Cranston, Rhode Island in each category to find the company with the best rates for your personal needs.
| 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 Cranston, Rhode Island Auto Insurance Companies
What auto insurance companies in Cranston, Rhode Island are the cheapest? Compare the top Cranston, Rhode Island auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,085 |
| Geico | $7,510 |
| Liberty Mutual | $7,665 |
| Nationwide | $5,813 |
| Progressive | $6,042 |
| State Farm | $2,775 |
| Travelers | $8,950 |
| USAA | $5,255 |
What affects auto insurance rates in Cranston, Rhode Island?
There are a lot of reasons why auto insurance rates in Cranston, Rhode Island are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Cranston, Rhode Island. Many local factors may affect your Cranston auto insurance rates.
Cranston Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Cranston, Rhode Island auto theft statistics, there have been 95 auto thefts in the city.
Cranston Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cranston, Rhode Island commute length is 23.2 minutes according to City-Data.
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Compare Cranston, Rhode Island Auto Insurance Quotes
Before you buy Cranston, Rhode Island auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Cranston, Rhode Island auto insurance quotes.
Frequently Asked Questions
What is Cranston, RI auto insurance?
Cranston, RI auto insurance refers to insurance coverage specifically designed for vehicles registered in Cranston, Rhode Island. It provides financial protection against losses and damages related to auto accidents, theft, vandalism, and other covered events.
What types of coverage are available for auto insurance in Cranston, RI?
Auto insurance policies in Cranston, RI typically offer various types of coverage, including:
- Liability coverage: Provides financial protection if you cause injury or property damage to others in an accident.
- Collision coverage: Covers damage to your vehicle in the event of a collision, regardless of fault.
- Comprehensive coverage: Protects against non-collision incidents such as theft, vandalism, fire, and weather-related damage.
- Uninsured/underinsured motorist coverage: Covers your expenses if you’re involved in an accident with an uninsured or underinsured driver.
- Medical payments coverage: Pays for medical expenses for you and your passengers regardless of fault.
What are the minimum auto insurance requirements in Cranston, RI?
In Cranston, RI, drivers are required to carry the minimum liability insurance coverage mandated by the state of Rhode Island. As of my knowledge cutoff in September 2021, the minimum requirements are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
How can I find affordable auto insurance in Cranston, RI?
To find affordable auto insurance in Cranston, RI, consider the following tips:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a clean driving record and demonstrate responsible driving habits.
- Opt for higher deductibles if you can afford to pay more out of pocket in the event of a claim.
- Inquire about available discounts such as multi-policy, safe driver, or good student discounts.
- Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, for potential savings.
Can I use my Cranston, RI auto insurance coverage in other states?
Yes, in most cases, your Cranston, RI auto insurance coverage will extend to other states. Auto insurance policies typically provide coverage within the United States and may have some limited coverage in Canada or Mexico. However, it’s important to review your policy or contact your insurance provider to confirm the specifics of your coverage when traveling outside of Rhode Island.
How can I file an auto insurance claim in Cranston, RI?
To file an auto insurance claim in Cranston, RI, follow these general steps:
- Contact your insurance company: Notify your insurer about the accident or incident as soon as possible.
- Provide necessary information: Be prepared to provide details about the incident, including the date, time, location, and parties involved.
- Follow the insurer’s instructions: Your insurance company will guide you through the claims process and may require you to submit supporting documentation, such as police reports or repair estimates.
- Cooperate with investigations: If necessary, cooperate with any investigations conducted by your insurance company or other parties involved.
- Follow any repair or medical treatment processes: Adhere to any instructions provided by your insurance company regarding vehicle repairs or medical treatment for injuries.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.