Best Cheap Auto Insurance in Narragansett, RI (2021)

The average Narragansett, RI auto insurance rates are $355 per month. The minimum auto insurance in Narragansett is at least 25/50/25 in coverage to comply with Rhode Island auto insurance laws. To find the best cheap auto insurance in Narragansett, Rhode Island, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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

  • The cheapest auto insurance company in Narragansett is State Farm
  • The average commute length in Narragansett is 23.5 minutes
  • The most expensive auto insurance company in Narragansett for teen drivers is Travelers

Narragansett, Rhode Island auto insurance requirements are 25/50/25 according to Rhode Island auto insurance laws. Finding cheap auto insurance in Narragansett 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 Narragansett, Rhode Island, including driving record, credit, commute time, and more.

Compare auto insurance in Narragansett to other Rhode Island cities, including Warren auto insurance rates, Fiskeville auto insurance rates, and North Providence auto insurance rates to see how Narragansett, Rhode Island auto insurance rates stack up.

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

Minimum Auto Insurance in Narragansett, Rhode Island

Narragansett, 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 Narragansett, Rhode Island.

Minimum Required Auto Insurance Coverage in Narragansett, 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 Narragansett, Rhode Island Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Narragansett, 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 Narragansett, 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 $3,425 $3,363 $3,395 $3,542 $5,988 $7,005 $3,585 $3,684
GEICO $2,955 $3,027 $3,027 $2,960 $9,280 $12,124 $3,060 $3,195
Liberty Mutual $3,557 $3,557 $3,393 $3,393 $8,535 $13,290 $3,557 $4,819
Nationwide $2,479 $2,519 $2,196 $2,323 $6,186 $7,930 $2,910 $3,153
Progressive $2,050 $1,948 $1,882 $1,873 $9,046 $10,151 $2,496 $2,549
State Farm $1,296 $1,296 $1,144 $1,144 $3,550 $4,730 $1,423 $1,695
Travelers $1,424 $1,440 $1,450 $1,440 $14,312 $22,482 $1,465 $1,626
USAA $1,920 $1,899 $1,842 $1,806 $8,784 $10,043 $2,617 $2,747

Cheap Narragansett, Rhode Island Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,988 $7,005
GEICO $9,280 $12,124
Liberty Mutual $8,535 $13,290
Nationwide $6,186 $7,930
Progressive $9,046 $10,151
State Farm $3,550 $4,730
Travelers $14,312 $22,482
USAA $8,784 $10,043

Cheap Narragansett, Rhode Island Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,395 $3,542
GEICO $3,027 $2,960
Liberty Mutual $3,393 $3,393
Nationwide $2,196 $2,323
Progressive $1,882 $1,873
State Farm $1,144 $1,144
Travelers $1,450 $1,440
USAA $1,842 $1,806

Cheap Narragansett, 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 Narragansett, Rhode Island compared to the annual auto insurance rates with a clean record in Narragansett, Rhode Island.

Annual Narragansett, Rhode Island Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,542 $4,339 $5,041 $4,071
GEICO $3,213 $4,216 $8,362 $4,023
Liberty Mutual $5,085 $5,884 $5,998 $5,085
Nationwide $3,379 $3,783 $4,158 $3,528
Progressive $3,278 $5,151 $3,675 $3,894
State Farm $1,888 $2,475 $1,888 $1,888
Travelers $5,110 $5,283 $6,606 $5,820
USAA $2,876 $3,901 $5,998 $3,054

Cheap Narragansett, Rhode Island Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,041
GEICO $8,362
Liberty Mutual $5,998
Nationwide $4,158
Progressive $3,675
State Farm $1,888
Travelers $6,606
USAA $5,998

Cheap Narragansett, Rhode Island Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,325 $4,089 $3,331
GEICO $5,550 $4,816 $4,495
Liberty Mutual $7,241 $4,818 $4,479
Nationwide $4,298 $3,547 $3,291
Progressive $4,481 $3,894 $3,623
State Farm $2,731 $1,848 $1,525
Travelers $5,989 $5,575 $5,550
USAA $5,865 $3,338 $2,668

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Cheap Narragansett, Rhode Island Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
2882 $4,265

Cheap Narragansett, Rhode Island Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,217 $4,280
GEICO $4,853 $5,054
Liberty Mutual $5,336 $5,690
Nationwide $3,712 $3,712
Progressive $3,999 $3,999
State Farm $1,973 $2,096
Travelers $5,705 $5,705
USAA $3,919 $3,995

Cheap Narragansett, Rhode Island Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,025 $4,237 $4,483
GEICO $4,743 $4,943 $5,175
Liberty Mutual $5,181 $5,473 $5,885
Nationwide $3,816 $3,730 $3,590
Progressive $3,792 $3,975 $4,230
State Farm $1,927 $2,030 $2,146
Travelers $5,801 $5,808 $5,505
USAA $3,775 $3,960 $4,136

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

Compare the cheapest auto insurance companies in Narragansett, 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 Narragansett, 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 Narragansett, Rhode Island Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,248
GEICO $4,954
Liberty Mutual $5,513
Nationwide $3,712
Progressive $3,999
State Farm $2,035
Travelers $5,705
USAA $3,957

What affects auto insurance rates in Narragansett, Rhode Island?

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

Narragansett Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Narragansett, Rhode Island auto theft statistics, there have been 5 auto thefts in the city.

Narragansett Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Narragansett, Rhode Island commute length is 23.5 minutes according to City-Data.

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Compare Narragansett, Rhode Island Auto Insurance Quotes

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