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How much is car insurance in Pawtucket?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Pawtucket is about $39 cheaper than it is in the rest of Rhode Island.
Conversely, residents of Pawtucket might expect to pay higher rates for coverage than the rest of the country. It's about $96 more for coverage in Pawtucket than in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Pawtucket, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't sweat it however, we've broken down the average rate for Pawtucket residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $102 more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may creep back up a bit in Pawtucket.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for insurance coverage, in Pawtucket men actually pay $172 per month for coverage while women pay $186.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Pawtucket, a driving record with one accident will usually get you a rate around $172 a month.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$170|
|15 Years or Older||$189|
The most affordable vehicles to insure in Pawtucket are usually trucks and vans, which run about $129 per month.
SUV drivers will see rates of about $191, while the rates for car owners average out to about $174 per month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. 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)||$187|
Generally speaking, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Pawtucket follows that pattern, with the difference totaling to around $44 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$204|
Another factor that comes into play is your housing situation. 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, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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 cost of car insurance coverage in Pawtucket went up from 2016-2017, before steadying out in 2018. Car insurance rates increased again recently, hitting a high of $376 in 2021.
How does Pawtucket compare to neighboring areas?
Why are car insurance rates in Pawtucket different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Total number of drivers in the area
- Area laws
- Crime levels
- Access to off-street parking
- Frequency of car accidents
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Pawtucket?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies providing auto coverage in Pawtucket.
Pawtucket Insurance FAQs
What factors affect car insurance quotes in Pawtucket?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Pawtucket different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Pawtucket?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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.