Home Car insurance Average car insurance cost Car insurance rates by state Rhode Island Cranston, RI Average car insurance cost in Cranston, RI The car insurance rates in Cranston, Rhode Island is $2,440 per year. State Farm offers the cheapest car insurance in Cranston at $1,517 per year. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Based on an analysis by Insure.com, the typical car insurance expense in Cranston, Rhode Island is $2,440 annually. Furthermore, car insurance premiums in Cranston are $379 more than compared to the state average in Rhode Island and $545 more than the national average.City average ratesState average ratesNational average cost$2,440$2,061$1,895 Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.This article looks at the most affordable car insurance companies in Cranston, the average car insurance rates by age and gender, and the costs in Cranston based on coverage limits.Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Cranston. Keep reading to learn more.Key TakeawaysThe annual cost of car insurance in Cranston, Rhode Island is $2,440.State Farm provides the most affordable car insurance in Cranston at $1,517 annually.Young adults in Cranston can expect to pay approximately $3,739 annually for car insurance.Cheap car insurance companies in CranstonState Farm offers the cheapest car insurance in Cranston, at an average of $1,517 per year with full coverage limits of 100/300/100.The second cheapest company in Cranston is Progressive, offering car insurance rates at $2,105 per year.As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Cranston before deciding on the policy that matches your requirements.The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Cranston, Rhode Island:Company NameAverage annual costAverage monthly costState Farm$1,517$126Progressive$2,105$175Nationwide$2,111$176Travelers$2,256$188American Family$2,306$192Amica$2,517$210Geico$3,045$254Farmers$3,777$315Allstate$3,880$323USAA$1,331$111Read about the best car insurance companies.Average car insurance cost in Cranston by coverage limitsThe average car insurance rates in Cranston based on coverage types are as follows:State minimum coverage: $770 per year (limits are 25/50/25)Liability only coverage: $983 per year (limits are 50/100/50)Full coverage: $2,440 per year (limits are 100/300/100)Non-owners coverage: $570 per yearIn many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.Average car insurance rates by gender in CranstonIn Cranston, Rhode Island, the average annual car insurance premium for female drivers is $2,487 per year.While the average annual cost for male drivers is $2,389 per year, which is $98 less than what female drivers pay, according to a rate analysis by Insure.com.According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.Read more on how gender affects car insurance rates.Average car insurance rates by age in CranstonIn Cranston, teenagers have the highest car insurance rates, at $8,323 per year or $694 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.Young adults, pay an average of $3,739 annually for car insurance, which is $4,584 less than what the teens pay for their insurance policy.Meanwhile, adult, and senior drivers in Cranston have car insurance rates of $2,438 and $2,522 per year, respectively. The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.Read more on auto insurance for seniors.The table below shows the average annual rates for drivers of different age groups:Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$8,323$3,739$2,438$2,522Car insurance rate trends in CranstonIf we look at the car insurance rates trends in Cranston, Rhode Island, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 11%, or $238.The table below shows the trend for last four years:2016 rates2019 rates2022 rates2023 rates$2,309$2,485$2,202$2,440ConclusionIn conclusion, the insurance rates in Cranston, are higher than the average insurance cost in Rhode Island. Shopping around and taking advantage of available discounts, drivers in Cranston can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.SourcesInsurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.MethodologyInsure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other citiesEast ProvidencePawtucketProvidenceWarwickPrachi SinghContributing Researcher  . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in CranstonAverage car insurance cost in Cranston by coverage limitsAverage car insurance rates by gender in CranstonAverage car insurance rates by age in CranstonCar insurance rate trends in CranstonConclusionSourcesMethodology ZIP Code Please enter valid ZIP See rates