Warwick Car Insurance

Due to reliable public transportation, Warwick residents have a number of ways to get places without driving their own vehicles. However, Rhode Island ranks number seven in the top 10 states with highest car insurance rates, which is largely due to the high number of uninsured drivers in the state.

Because of the number of uninsured drivers, as well as state law, auto insurance is imperative when living in Warwick. With a little research before purchasing or renewing an auto insurance policy, licensed drivers in Warwick can save a lot of money.

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What is the legal minimum car insurance requirement in Warwick?

State law requires all licensed drivers to purchase liability coverage. In addition, drivers must possess proof of their liability coverage at all times.

The legal minimum amount of bodily injury liability insurance is $25,000 per person and $50,000 per accident. Similarly, the legal minimum amount of property damage coverage is $25,000 per accident.

Although uninsured and underinsured motorist coverages are not legally required, insurance companies in Warwick must offer these coverages along with minimum liability coverage. If drivers decide to refuse uninsured or underinsured motorist coverage, they must refuse it in writing so that there is proof that the coverage was offered.

What do licensed drivers pay for car insurance in Warwick?

Kimberly and John

Kimberly is 34 and her husband, John, is also 34. They are the parents of four children who are 10, eight, six, and three years of age. John works in the city of Boston and usually takes the train to work. Kimberly is a stay-at-home mother.

Kimberly and John share one vehicle, a 2008 Nissan Quest. Occasionally, John needs to take the family car to work, and on those days, Kimberly does not have a vehicle at her disposal. Additionally, with only one income, this family is on a very tight budget.

Kimberly and John have basic-level car insurance which gives them the following amounts of protection:

• $50,000 per person and $100,000 per accident in bodily injury coverage for the drivers and passengers of Kimberly and John’s car, as well as other parties
• $25,000 in property damage coverage
• $50,000 per person and $100,000 per accident for bodily injury caused by uninsured or underinsured motorists
• $25,000 for property damage caused by uninsured or underinsured motorists
• $50 in towing allowance

This basic-level coverage requires a $500 deductible payment.

The following basic-level monthly payment options are available in Warwick for their 2008 Nissan Quest:

• GEICO – $122
• Progressive – $156
• Allstate – $165
• Amica – $169
• Nationwide – $171
• Liberty Mutual – $208
• Travelers – $230

In December 2014, Kimberly hit some black ice and slid into another vehicle at a red light. There were no injuries, but there was a combined damage total in excess of $5,000 sustained by both cars. Kimberly and John should review their options at renewal time in order to get the lowest monthly rates as this incident will trigger an increase in their premium.

• Nationwide – $171
• Amica – $197
• Liberty Mutual – $214
• Progressive – $220
• GEICO – $225
• Travelers – $230
• Allstate – $233

Brian and Cynthia

Brian and Cynthia, ages 46 and 44, are employed by the Warwick public school system. Brian is a 3rd grade teacher and Cynthia is a guidance counselor at one of the high schools. Brian and Cynthia have two daughters—a 12-year-old in middle school and a 10th grader. The oldest daughter is eager to get her learner’s permit when she turns 16 in June.

Brian drives a 2012 GMC Acadia, and Cynthia’s car is a 2014 Honda Fit. They considered keeping Cynthia’s 2007 Honda Civic for when their daughter begins to drive, but they decided against it because of the cost of insurance.

Brian and Cynthia own a high-value home in addition to a smaller home they that they rent out for income. Because they want to protect their assets in the event of a lawsuit, they carry a premium-level car insurance policy. Premium-level car insurance provides these benefits:

• $250,000 per person and $500,000 per accident in bodily injury coverage
• $100,000 in property damage coverage
• $250,000 per person and $500 per accident for bodily injury caused by uninsured or underinsured motorists
• $100,000 to pay for property damage caused by uninsured or underinsured motorists
• $75 in towing allowance
• $900 in rental car allowance
• Full glass coverage

Premium-level car insurance requires a $250 deductible payment.

In Warwick, Brian and Cynthia can get premium-level coverage for their two cars from the following companies for the monthly payments listed below:

• Nationwide – $349
• GEICO – $366
• Amica – $376
• Travelers – $408
• Progressive – $416
• Allstate – $487
• Liberty – $531

Brian and Cynthia have a lot of concerns about their oldest daughter getting her driver's license. Ultimately, they decided to allow her to get her driver’s license if she maintains her grades and prepares for college.

Adding an additional vehicle and a newly licensed driver to their insurance will cause their car insurance rate to increase to the following amounts:

• Nationwide – $993
• Progressive – $1,014
• Travelers – $1,277
• GEICO – $1,302
• Allstate – $1,335
• Amica – $1,459
• Liberty Mutual – $1,678

Although Brian and Cynthia are financially stable, they are not willing to pay the high rates to provide a car and driving privileges to their daughter. They decide to reduce their level of protection to the extended level and share their vehicles with their daughter.

If they reduce their protection to extended-level, they will get these coverage amounts:

• $100,000 per person and $300,000 per accident in bodily injury coverage
• $50,000 in property damage coverage
• $100,000 per person and $300,000 per accident for bodily injury caused by uninsured or underinsured motorists
• $50,000 for property damage caused by uninsured or underinsured motorists
• $75 in towing allowance
• $600 in rental car allowance

Extended-level coverage requires a $500 deductible payment.

Monthly payments for extended-level coverage for Brian and Cynthia’s cars when they add their daughter as a driver are available in Warwick in these amounts:

• GEICO – $282
• Travelers – $554
• Nationwide – $569
• Amica – $599
• Progressive – $681
• Allstate – $764
• Liberty Mutual – $783

Steven

Steven, age 22, came to Warwick when he was 19-years-old for a summer job at a Greenwich Bay resort. He is still working in the resort community during the spring and summer months, but he also attends school at the Community College of Rhode Island in Warwick and waits tables in town during the off-season.

Steven drives a 2005 Subaru Outback with the minimum legal coverage. He would like to have more protection, but insurance in Warwick is so expensive that he can barely pay the minimum that is required to be a legally licensed driver.

He has agreed to add uninsured and underinsured motorist coverage to his minimum liability policy. If Steven was involved in a car accident where he was found to be at-fault, his insurance would not cover any of the property damage or bodily injury that Steven sustains.

Steven can purchase minimum legal coverage with these monthly payments:

• GEICO – $112
• Allstate – $129
• Progressive – $140
• Liberty – $177
• Amica – $204
• Travelers – $288

If Steven opts for basic-level coverage, monthly insurance payments would be as follows:

• GEICO – $191
• Allstate – $237
• Progressive – $258
• Amica – $310
• Liberty Mutual – $352
• Travelers – $539

In regions with high car insurance rates, careful insurance research is vital. The easiest way to compare auto insurance rates instantly is to use an online price comparison tool. Enter the necessary information and you will be able to compare quotes in a matter of minutes.

Start comparing auto insurance rates now using the FREE comparison tool below!