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How much is car insurance in Central Falls?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $75 a month more expensive to insure your vehicle in Central Falls than it is in the rest of Rhode Island.
Similarly, drivers in Central Falls may pay higher rates than the rest of the country. Coverage in Central Falls is about $210 more expensive than it is for the rest of the U.S.
While these are the average car insurance rates for Central Falls, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Central Falls residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|65+||Not Enough Data|
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may creep back up in Central Falls.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Central Falls, the difference is around $6 a month. As illustrated in the table above, male drivers in the area pay about $294 on average, while female drivers pay around $288 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay less than those with infractions. In Central Falls, having a single accident on your record will usually get you rates around $118 a month. Similarly, drivers with one ticket will typically pay around $397 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|4-5 Years||Not Enough Data|
|6-7 Years||Not Enough Data|
|15 Years or Older||$143|
The cheapest vehicles to insure in Central Falls are typically trucks and vans, with each type typically costing about $228 per month.
Car owners can expect to pay an average of around $313 a month for their policy, while SUVs usually cost around $250 a month to insure.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Central Falls, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$311|
More often than not, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$354|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $43 a month less than those who own their own home in Central Falls. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Central Falls, RI
Recent trends in car insurance for Central Falls drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Central Falls, auto insurance rates went up from 2017-2018, before leveling out in 2019. Rates finished down in 2019, at $303 per month
How does Central Falls compare to neighboring areas?
Why are car insurance rates in Central Falls different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking availability
- Amount of drivers in the region
- Community laws
- Regional crime rates
- Road safety
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Central Falls?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Central Falls.
Central Falls Insurance FAQs
What factors affect car insurance quotes in Central Falls?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Central Falls different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Central Falls?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Central Falls?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Central Falls or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.