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How much is car insurance in Pawtucket?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $39 a month cheaper to insure your vehicle in Pawtucket than it is in the rest of Rhode Island.
That being said Pawtucket residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $94 more for coverage in Pawtucket than in the rest of the U.S.
While these are the average car insurance rates for Pawtucket, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Pawtucket so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates creep back up a bit in Pawtucket.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, Pawtucket actually goes against the grain. While female drivers pay $186 per month for auto insurance coverage, males only pay about $171.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Pawtucket with a single accident will pay around $172 a month. Likewise, drivers with one ticket will be looking at a rate of around $218 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$170|
|15 Years or Older||$186|
According to the first table above, the cheapest vehicles to insure in Pawtucket are by and large trucks and vans, at $146 per month.
Car owners will see a monthly bill of about $173, while SUV owners typically pay around $191 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Pawtucket, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$185|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Pawtucket can be as much as $42 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$204|
Another factor taken into consideration is your living accommodations. Those who own their own home in Pawtucket can expect to pay around $20 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Pawtucket, RI
Recent trends in car insurance for Pawtucket drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Pawtucket decreased from 2017-2018, but leveled out in 2019. They increased until 2021, when they hit a high of $376, and finished down in 2022, at $113 per month.
How does Pawtucket compare to neighboring areas?
Why are car insurance rates in Pawtucket different from other areas?
Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Prevalence of crime
- Total number of drivers
- Community regulations
- Off-street parking access
- General road safety (how many accidents each locality has)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Pawtucket?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Pawtucket.
Pawtucket Insurance FAQs
What factors affect car insurance quotes in Pawtucket?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age 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 Pawtucket different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Pawtucket?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Pawtucket?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Pawtucket or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.