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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Cumberland Hill Rhode Island

Why Are Car Insurance Rates So Expensive Near Me

Cumberland Hill Rhode Island motorists know all too well how expensive car insurance can be. Rhode Island is one of the most expensive states for auto insurance, with an average annual premium of $1,645 during 2022 — just slightly lower than rates in neighboring Connecticut and Massachusetts. The high cost of Rhode Island’s auto insurance reflects its unique circumstances: Rhode Islanders drive more miles per capita than any other state, premiums are higher because Rhode Islanders live in urban areas, and there is relatively little competition among insurers.

In Cumberland Hill, the most expensive car insurance policies come from small companies that specialize in insuring high-risk drivers; however, even these premiums tend to be less expensive compared to what drivers pay in other states. Rhode Island also has a higher-than-average rate of uninsured motorists, and this contributes to higher auto insurance premiums.

While Cumberland Hill Rhode Island car insurance rates may be high, there are ways to save money on auto policies. Shopping around for the best deals and taking advantage of discounts can help Rhode Island drivers find more affordable coverage. Furthermore, Rhode Islanders should consider raising their deductible or reducing their limits in order to reduce their monthly premium. By following these tips, Rhode Islanders can find more affordable auto insurance that fits within their budget.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $7,103
20 Years $2,813
30 Years $2,166
40 Years $2,084
50 Years $1,930
60 Years $1,957
70 Years $2,278

Auto Insurance Rates for Young vs Older People

The cost of auto insurance for Cumberland Hill drivers can vary significantly between young and older drivers. Generally, younger drivers pay more for their car insurance coverage than older drivers due to the fact that they are considered to be higher risk. Insurance companies assess a variety of factors when determining rates, but age is typically one of the most important ones.

For Cumberland Hill residents, the average annual premium for young people under 25 years old is around $3,000 while the average annual premium for those over 65 is just over $2,000. This means that Rhode Islanders who fall into either category may be able to find significant savings on their car insurance premiums by shopping around and comparing quotes from different insurers. In addition to age-related discounts, Rhode Island drivers may also be eligible for other discounts such as good driver discounts, safe vehicle discounts, and more.

Because insurance rates can vary greatly from one provider to the next, Cumberland Hill residents should always compare quotes from multiple companies before making a final decision. By doing so, they can ensure that they get the most comprehensive coverage at the best possible rate.

Best Auto Insurance Companies in Rhode Island

Progressive

Metropolitan

Amica Mutual

Nationwide

Geico

NAIC Market Share

13.45%

0.97%

0.50^%

2.47%

13.45%

S&P Global Ratings

A

BBB

AA-

A

AA+

Average Full Coverage Yearly Premium

$3,054

$4,909

$5,077

$3,455

$3,570

Discount Rating

5 stars

4 stars

4 stars

5 stars

5 stars


Progressive

Metropolitan

Amica Mutual

Nationwide

Geico

NAIC Market Share

13.45%

0.97%

0.50^%

2.47%

13.45%

S&P Global Ratings

A

BBB

AA-

A

AA+

Average Full Coverage Yearly Premium

$3,054

$4,909

$5,077

$3,455

$3,570

Discount Rating

5 stars

4 stars

4 stars

5 stars

5 stars


Progressive

Metropolitan

Amica Mutual

Nationwide

Geico

NAIC Market Share

13.45%

0.97%

0.50^%

2.47%

13.45%

S&P Global Ratings

A

BBB

AA-

A

AA+

Average Full Coverage Yearly Premium

$3,054

$4,909

$5,077

$3,455

$3,570

Discount Rating

5 stars

4 stars

4 stars

5 stars

5 stars


Car Insurance Companies Near Me

Hunter Insurance, Inc.

389 Old River Rd, Manville, RI 02838

(401) 769-9500

https://hunterinsurance.net/

Hanuschak Insurance Agency

3288 Mendon Rd, Cumberland, RI 02864

(401) 658-4444

https://www.hanuschakinsurance.com/

Jeffrey S Smith: Allstate Insurance

575 Cumberland Hill Rd, Woonsocket, RI 02895

(401) 766-8900

https://agents.allstate.com/jeffrey-s-smith-woonsocket-ri1.html

MetLife Auto & Home

1725 Mendon Rd #206, Cumberland, RI 02864

(401) 270-2247

http://www.mattgilson.com/

AAA Cumberland

2000 Mendon Rd, Cumberland, RI 02864

(401) 333-9500

https://www.aaa.com/

Providence RI Cheap Car Insurance - Best Auto Insurance Providence

8 Ambrose St, Providence, RI 02908

(401) 375-5670

https://best-auto-insurance-providence-ri.business.site/

Comparing the Best Car Insurance Companies Nearby

Cumberland Hill drivers have several great options for car insurance coverage. Rhode Islanders are lucky to have access to some of the most affordable and reputable car insurance companies in the country. In this article, we'll review four of the best car insurance companies in Rhode Island and compare their prices, customer service ratings, discounts, and more. We've done our research so that you can make an informed decision when it comes time to select a provider for your Rhode Island auto insurance needs.

Geico is one of America's largest providers of car insurance and is available in Cumberland Hill at competitive rates. Geico offers comprehensive coverage with features such as accident forgiveness, free roadside assistance, rental reimbursement, and more. Additionally, they offer a wide range of discounts including good driver, military, and multi-policy discounts. Geico also has excellent customer service ratings and a convenient mobile app for managing your policy.

Allstate is another great option for Cumberland Hill drivers looking for car insurance coverage. Allstate offers several types of coverage from basic liability to comprehensive plans with accident forgiveness, free roadside assistance, rental reimbursement, and more. They also offer an array of discounts such as safe driver, multi-car, and military discounts that can help you save even more money on your policy premium. And their customer service rating is among the highest in the industry.

Progressive is known for having some of the most competitive rates in Cumberland Hill and across the country. Progressive offers customizable coverage plans with features like accident forgiveness, free roadside assistance, rental reimbursement, and more. They offer discounts for safe drivers, multi-car policies, and military personnel as well. Additionally, Progressive has excellent customer service ratings and an easy-to-use website and mobile app for managing your policy.

Lastly is Amica Mutual Insurance Company which is Rhode Island's oldest mutual insurance company. Amica offers a variety of coverage options from basic liability to comprehensive plans with features such as accident forgiveness, free roadside assistance, rental reimbursement, and more. They also offer discounts such as good driver, multi-policy and military discounts that can help you save on your premium. Amica's customer service rating is among the top in Cumberland Hill and they have an easy to use website and mobile app for managing your policy.

By comparing these four car insurance companies in Cumberland Hill, you can make an informed decision when selecting a provider for your Rhode Island auto insurance needs. Geico, Allstate, Progressive and Amica Mutual all offer great coverage options and discounts that can save you money on your premium. Ultimately the best Rhode Island car insurance company will depend on your individual needs and budget. We hope this comparison has helped you narrow down the choices for Rhode Island car insurance.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$4989$1004
Reckless Driving$4471$989
Wrong Way/Wrong Lane$3933$958
Driving on Sus. License$3434$903
Illegal Turn$3396$907
Failure to Obey Traffic Sign$2803$877
Speeding over 15$2755$849
Defective Equipment$1636$630
Speeding under 15$1623$629

How Driving Infractions Increase Insurance Premiums

Cumberland Hill Rhode Island is one of only a few states where a driver’s insurance premiums can increase when they are cited for driving infractions. Rhode Island law requires that an insurer increase rates when a customer has been convicted of an offense such as speeding, reckless driving, or operating without insurance. The amount of the rate increase depends on the severity of the offense and whether or not it is considered to be a major infraction. Drivers who receive multiple citations in Rhode Island may find that their insurance costs become prohibitively expensive over time. This can lead to drivers taking risks and potentially endangering themselves and others on the road. To avoid higher insurance premiums, Rhode Island drivers should always obey traffic laws and drive safely. Doing so can help keep insurance costs low and ensure that Rhode Islanders are able to safely navigate the roads.

In Cumberland Hill, it is important for drivers to understand how their driving can affect their insurance premiums. Understanding the consequences of traffic violations can help Rhode Island motorists make informed decisions about when and how they drive, which in turn can help them reduce their insurance costs and maintain safe roads. Rhode Island drivers should research their state’s laws regarding traffic infractions and take appropriate measures to avoid higher insurance premiums. By understanding how Rhode Island's driving laws impact your insurance rates, you can make more informed choices when behind the wheel and save yourself money in the process.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $2036
Below Fair $3184
Poor $3514
Worst $3837

Does Credit Score Matter When Getting Cheaper Quotes?

When it comes to getting the best quotes for car insurance in Cumberland Hill, one of the most important factors that insurers consider is your credit score. Although Rhode Island does not use credit scores as a factor in setting rates, many insurance companies still do. A good credit score can help you get better rates and lower premiums on your auto insurance policy.

Insurance companies in Cumberland Hill generally look at two types of information when calculating your rate: financial responsibility and risk-based factors. Financial responsibility looks at how well you manage your finances, such as paying bills on time or whether you've had any bankruptcies or collections items on your record. Risk-based factors consider things like driving history, age, sex and type of vehicle.

While Cumberland Hill does not use credit scores to determine insurance rates, companies still look at them as a way of assessing how financially responsible you are. Those with better credit scores can typically get cheaper quotes than those with lower scores. Insurance providers view people with higher credit scores as more likely to keep up with their payments and less likely to cause an accident.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Cumberland Hill Rhode Island

Don't Forget The Total Monthly Cost of Your Vehicle

When shopping for a car in Cumberland Hill, it's important to remember the total monthly cost of your vehicle. This includes not only the purchase price or lease payment, but also all associated costs like taxes, registration fees, insurance premiums, and potential financing fees. While these additional costs may seem small compared to the sticker price of the car itself, they can easily add up over time and might be more than you can afford. Be sure to factor them into your budget when calculating what you can afford before signing any paperwork. Doing so could save you from facing financial hardship later on.

Before making a decision, take the time to do your research and compare prices between different Cumberland Hill dealerships. Also, shop around for the best financing options so that you can get the lowest possible interest rate on your loan or lease. This can have a big impact on how much you pay in total each month. Knowing all of these costs up front will help you make an informed decision that won't leave you feeling strapped for cash.

Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.

car insurance companies Cumberland Hill RI

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Rhode Island

When it comes to Cumberland Hill car insurance, drivers have the option of selecting either full coverage or liability only. Full coverage is the more expensive option but provides greater protection in the event of an accident. It includes liability coverage, which pays for damage you cause to others, as well as collision and comprehensive coverage, which covers your own vehicle if it’s damaged in an accident or by other causes such as vandalism or theft. Liability only insurance is much cheaper than full coverage but does not provide any coverage for your own vehicle; it will only cover damages caused to someone else’s property or injuries sustained by another person who was involved in the accident. Ultimately, Rhode Island drivers must decide whether they want additional peace of mind with full coverage or if they are willing to take the risk with liability only insurance.

Non-Owner Car Insurance in RI

Cumberland Hill drivers who do not own a car may find it difficult to purchase an auto insurance policy. But, Rhode Islanders have options for non-owner car insurance. Non-owner car insurance in Rhode Island provides financial protection when you are driving a borrowed or rented vehicle, and is also helpful if you’re looking to maintain your continuous coverage while not owning a personal vehicle.

Non-owner car insurance typically covers liability, medical payments, and uninsured/underinsured motorist protection. In Cumberland Hill, these coverages often provide the same amount of protection as if you were insuring your own vehicle. Some policies can even include rental reimbursement and roadside assistance coverage in the event of an emergency breakdown.

Car Insurance Discounts in RI

Residents of Cumberland Hill are always looking for ways to save money on car insurance. Fortunately, Rhode Island drivers have a wealth of discounts they can take advantage of in order to lower their premiums. Here is a look at some of the most common Rhode Island auto insurance discounts:

  • Multi-Vehicle Discounts: Cumberland Hill drivers with more than one vehicle on their policy could be eligible for a multi-vehicle discount that rewards them for adding an additional car or truck to their coverage plan.
  • Safety Device Discounts: Cumberland Hill drivers who install certain safety devices such as anti-lock brakes, airbags, and electronic stability control could be eligible for an automatic safety device discount on their premiums.
  • Good Driver Discounts: Cumberland Hill drivers with a spotless driving record could be eligible for a good driver discount that rewards them for their safe and responsible driving habits.
  • Low Mileage Discounts: Cumberland Hill drivers who don't drive as much as the average motorist might qualify for a low mileage discount that grants them lower premiums in exchange for fewer miles driven each year.

By taking advantage of these discounts, Cumberland Hill drivers can potentially save hundreds of dollars on their car insurance coverage plans. Additionally, Rhode Island drivers are encouraged to shop around and compare rates from different insurers in order to find the best deal possible.

Getting Auto Insurance Coverage for Teenagers

When it comes to getting auto insurance coverage for Cumberland Hill teenagers, parents can take a few steps to ensure their children are properly insured. Rhode Island requires all drivers to have liability coverage and uninsured/underinsured motorist protection. Parents should also check with their insurer to make sure they cover any additional needs such as comprehensive or collision coverage. Additionally, Rhode Island law requires that children under 18 must be listed on their parent’s policy or have a separate auto insurance policy in their own name.

Car Insurance for Seniors

Getting car insurance as a senior in Cumberland Hill can be a challenge. With many auto insurance companies offering different coverage options and rates, it’s important to understand your options and find the best policy that provides you with the protection you need at a price you can afford. Rhode Island law requires all drivers – including seniors – to carry at least minimum levels of auto liability insurance.

One option Cumberland Hill seniors may want to consider is a low-cost car insurance policy, which could include basic coverage like bodily injury and property damage liability, as well as optional coverages that can help protect you financially in the event of an accident or other covered incident.

Do I Need SR-22 Insurance in Rhode Island

Rhode Island is one of the few states that require SR-22 insurance. If you are convicted of a serious traffic violation in Cumberland Hill, such as driving without insurance or a DUI, then you may be required to purchase SR-22 insurance in order to reinstate your license. The Rhode Island Department of Motor Vehicles may also require an SR-22 filing for other reasons such as multiple tickets, failure to pay child support or excessive points on your license. If you need an SR-22 certificate filed with Rhode Island DMV, contact your auto insurance company and they can help process the paperwork for you. Make sure to keep the policy active until you are no longer required to have an SR-22 filing with Rhode Island DMV. Failing to do so may result in the suspension of your license.

car insurance companies Cumberland Hill RI

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Cumberland Hill, Rhode Island. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Cumberland Hill, RI. If you're looking for coverage after a DUI conviction then take a look at Rhode Island SR22 insurance.

Is Bundling Auto and Homeowners Insurance Really Worth it?

Bundling auto and homeowners insurance in Cumberland Hill promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Cumberland Hill insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.

While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Cumberland Hill at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.


Andrew Brown

Andrew Brown - Chief Editor

Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.