Cheapest car insurance companies in Warwick
According to a study by Insurance.com, the cheapest car insurance companies in Warwick for 2023 are State Farm and Progressive.
State Farm offers the cheapest car insurance premium for Warwick drivers at an annual rate of $1,517 a year, on average.
The cost of car insurance in Warwick varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Warwick.
| Companies | Average annual rates |
|---|---|
| USAA | $1,178 |
| State Farm | $1,517 |
| Progressive | $1,788 |
| Nationwide | $1,805 |
| American Family | $1,928 |
| Travelers | $2,014 |
| Amica Mutual | $2,209 |
| Geico | $2,244 |
| Allstate | $3,169 |
| Farmers | $3,365 |
Cheapest car insurance cost in Warwick by Age Group
The cheapest auto insurance company in Warwick for teen drivers is State Farm. For full coverage, its average annual rate for Warwick drivers is $4,342. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.
Among the carriers analyzed, USAA is the cheapest car insurance option for young drivers in Warwick, at $2,133 a year for a full coverage policy.
As Warwick drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,210.
With an average annual premium of $1,256, USAA offers Warwick's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Travelers | N/A | $2,874 | $1,986 | $2,372 |
| State Farm | $4,342 | $2,648 | $1,514 | $1,536 |
| Nationwide | $5,750 | $2,959 | $1,773 | $1,724 |
| USAA | $6,289 | $2,133 | $1,210 | $1,256 |
| American Family | $6,390 | $3,406 | $2,023 | $2,221 |
| Geico | $7,195 | $3,587 | $2,274 | $2,413 |
| Allstate | $8,419 | $5,256 | $3,184 | $3,299 |
| Progressive | $9,188 | $3,202 | $1,818 | $1,942 |
| Amica Mutual | $10,820 | $5,065 | $2,173 | $2,470 |
| Farmers | $11,932 | $5,773 | $3,376 | $3,328 |
Cheapest car insurance companies in Warwick by driver profile
Your driving profile plays an important role in determining your car insurance rates in Warwick. 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.
Comparison shopping is the key to getting the cheapest car insurance rates in Warwick. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Here's a list of car insurance companies that offer cheap insurance rates in Warwick based on driver profile.
- Cheapest for a driver with poor credit: Geico
- 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: Geico
The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Warwick drivers at about $2,008 per year.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Warwick.
| Company | Average annual rates |
|---|---|
| Geico | $2,008 |
| USAA | $2,188 |
| Travelers | $2,425 |
| State Farm | $2,605 |
| Nationwide | $2,804 |
| Progressive | $3,190 |
| Allstate | $5,326 |
Cheapest for drivers with a speeding ticket: State Farm
Based on recent data analysis, 30-year-old drivers in Warwick with speeding tickets on their driving record can get the cheapest car insurance rates from State Farm at an annual cost of $1,265.
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 | $1,295 |
| Travelers | $2,010 |
| Geico | $2,663 |
| Progressive | $2,727 |
| Nationwide | $2,761 |
| Allstate | $3,593 |
Cheapest auto insurance after an at-fault accident: USAA
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for Warwick drivers with at-fault accidents. It provides coverage at an average annual cost of $1,033.
| Company | Average annual rates |
|---|---|
| USAA | $1,033 |
| State Farm | $1,381 |
| Travelers | $1,786 |
| Geico | $1,838 |
| Progressive | $1,968 |
| Nationwide | $2,201 |
| Allstate | $3,278 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Warwick for drivers with a DUI, with an average annual premium of $1,265.
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 | $2,159 |
| Travelers | $2,364 |
| Progressive | $2,871 |
| Nationwide | $4,380 |
| Allstate | $5,408 |
| Geico | $6,132 |
Average car insurance cost in Warwick
Full coverage car insurance in Warwick for a coverage limit of 100/300/100 is $2,121 per year or $177 per month, while the state minimum coverage costs an average of $709 a year.
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 |
|---|---|
| $2,121 | $709 |
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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