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How much is car insurance in Warwick?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Warwick are about the same as what you would pay anywhere else in Rhode Island.
Similarly, drivers in Warwick may pay higher rates than the rest of the country. Coverage in Warwick is about $136 more expensive than it is for the rest of the U.S.
While these numbers are the average rates for auto insurance in Warwick, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 Warwick residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $265 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates begin to increase again once you hit retirement in Warwick.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance coverage, Warwick actually defies this trend. While female drivers pay $225 a month for insurance coverage, males only pay about $210.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Warwick, a driving record with one accident will usually get you a rate around $318 a month. Likewise, drivers with one ticket will be looking at a rate of around $153 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$203|
If you look at the first table above, the cheapest vehicles to insure in Warwick are by and large trucks and vans, at $157 per month.
Car owners, on the other hand, usually pay around $219 per month, while SUV drivers can expect to pay about $265 a month for insurance.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Warwick are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$246|
Generally speaking, 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.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Warwick is no exception, with the difference totaling to around $105 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$184|
One other element taken into consideration is your housing situation. Renters can expect to pay around $7 a month less than drivers who own property in Warwick. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Warwick, RI
Recent trends in car insurance for Warwick drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
The rates for car insurance in Warwick had been increasing from 2017-2018, before trending downward from 2019-2020. They finished down in 2022 at $81.
How does Warwick compare to neighboring areas?
Why are car insurance rates in Warwick different from other areas?
Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Access to off-street parking
- Road Safety (frequency of car accidents)
- Amount of drivers in the region
- Regional regulations
- Area crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Warwick?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Warwick.
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Warwick Insurance FAQs
What factors affect car insurance quotes in Warwick?
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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Warwick different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Warwick?
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 Warwick?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Warwick or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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