Cheapest car insurance companies in Central Falls
A recent data analysis by Insurance.com found the cheapest car insurance companies are State Farm and Nationwide in Central Falls for 2023.
In Central Falls, State Farm provides the cheapest auto insurance rates to drivers at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,517 annually.
In Central Falls, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| USAA | $1,320 |
| State Farm | $1,517 |
| Nationwide | $2,125 |
| American Family | $2,167 |
| Travelers | $2,237 |
| Progressive | $2,244 |
| Geico | $3,163 |
| Amica Mutual | $3,322 |
| Farmers | $3,611 |
| Allstate | $3,673 |
Cheapest car insurance cost in Central Falls by Age Group
State Farm stands out as Central Falls's cheapest auto insurance company for teen drivers at an average annual of $4,342. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
USAA provides the cheapest car insurance coverage for young drivers in Central Falls, with an annual premium of $2,391 on average.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Central Falls is USAA. Its average rate for a full coverage car insurance policy is $1,355 per year.
USAA is the cheapest option for senior drivers in Central Falls, with an average premium of $1,400 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Amica Mutual | N/A | $4,965 | $3,268 | $3,709 |
| Travelers | N/A | $3,222 | $2,206 | $2,634 |
| State Farm | $4,342 | $2,648 | $1,514 | $1,536 |
| USAA | $7,029 | $2,391 | $1,355 | $1,400 |
| Nationwide | $7,036 | $3,564 | $2,085 | $2,013 |
| American Family | $7,190 | $3,823 | $2,272 | $2,492 |
| Allstate | $9,380 | $5,812 | $3,672 | $3,762 |
| Geico | $9,909 | $4,991 | $3,204 | $3,402 |
| Progressive | $10,685 | $3,977 | $2,278 | $2,420 |
| Farmers | $14,703 | $5,672 | $3,520 | $3,561 |
Cheapest car insurance companies in Central Falls by driver profile
Your driving profile plays an important role in determining your car insurance rates in Central Falls. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Central Falls that suits your budget.
In Central Falls, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: State Farm
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: State Farm
State Farm has the cheapest rates for Central Falls drivers with poor credit looking for affordable auto insurance. At an annual cost of $2,605, State Farm offers substantial savings among the insurers analyzed.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| State Farm | $2,605 |
| USAA | $2,622 |
| Travelers | $2,841 |
| Nationwide | $2,942 |
| Geico | $3,005 |
| Progressive | $4,228 |
| Allstate | $6,156 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Central Falls. Its full coverage car insurance policy costs an average of $1,265 per year for drivers aged 30.
Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.
| Company | Average annual premium |
|---|---|
| State Farm | $1,265 |
| USAA | $1,542 |
| Travelers | $2,343 |
| Nationwide | $2,915 |
| Progressive | $3,603 |
| Geico | $3,989 |
| Allstate | $4,139 |
Cheapest auto insurance after an at-fault accident: USAA
According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Central Falls for drivers involved in at-fault accidents, with an average annual cost of $1,225. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| USAA | $1,225 |
| State Farm | $1,381 |
| Travelers | $2,091 |
| Nationwide | $2,315 |
| Progressive | $2,567 |
| Geico | $2,752 |
| Allstate | $3,824 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Central Falls drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,265, on average.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,265 |
| USAA | $2,599 |
| Travelers | $2,744 |
| Progressive | $3,791 |
| Nationwide | $4,648 |
| Allstate | $5,954 |
| Geico | $9,177 |
Average car insurance cost in Central Falls
In Central Falls, the annual cost of car insurance for the coverage level of 100/300/100 is $2,538 or around $212 per month. However, the average yearly rate for state minimum coverage in Central Falls is $777.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State minimum average |
|---|---|
| $2,538 | $777 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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