Rhode Island Car Insurance Calculator

Comparatively speaking, Rhode Island’s car insurance rates are among the highest in the US. Drivers here on average spend an extra $163 annually for full coverage policies – however if you shop around and compare quotes you could potentially find cheaper rates in Rhode Island. Several factors determine your premium, such as your age group, driving record, credit score and location where you live; policy costs also can differ by provider but typically fall within several hundred dollars from each other.

Rhode Island requires drivers to carry minimum liability limits. But drivers may want to consider additional coverage options such as personal injury protection (PIP) and uninsured/underinsured motorist coverage (UM/UIM), both of which aren’t required but can give extra peace of mind should an accident occur and avoid costly out-of-pocket expenses if any are necessary.

Your weekly driving mileage also has an effect on your car insurance rates, as these drivers have higher risks of becoming involved in an accident and thus higher premiums are usually applied accordingly. This same principle holds true if using their car for business or carrying passengers is necessary.

Other drivers’ car insurance rates depend on how many miles they travel each month and the type of vehicle they own. Typically, older sedans and cars tend to offer more affordable premiums compared to SUVs and pickup trucks, and your make and model may play a factor here too: some brands may be more desirable while some models might be more susceptible to theft or damage than others.

Rhode Island car insurance rates depend on many different factors, with your driving history often having the biggest effect. Drivers who maintain clean records typically enjoy lower insurance premiums; serious infractions such as speeding and reckless driving can increase them dramatically while accidents or DUIs will remain on their records for many years to come.

Rhode Island, as one of the smallest states in America, boasts many notable sights, landmarks, and scenic roads that will leave an unforgettable impression on visitors. If you plan to road trip through Rhode Island soon, make sure that you bring along your driving skills along with car insurance – you won’t regret it! Also if switching providers may be an option for saving on policies check out below for tips.