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No. 4 most expensive: Rhode Island

Last updated: Nov. 25, 2018

By , Insure.com

Rhode Island car insurance rates

Average rate: $1,852

Average rate for the top-selling vehicle in the country first quarter of 2018 F-150 XL: $1,762

Average rate for the top-selling SUV in the country first quarter of 2018 Nisan Rogue S: $1,821

Average rate for the top-selling sedan in the country first quarter of 2018 Toyota Camry L: $2,006

Rhode Island placed as the fourth most expensive state for a second year in a row. The average premium came in at $1,852 or 36 percent above the national average.

Like Connecticut, Rhode Island suffers from population density contributing to higher auto insurance premiums. The tiniest state in the nation packs in a lot of people and is the second densest state. All these people in their cars cause congestion and traffic which leads to higher incidents of auto accidents and claims, which hike up car insurance rates.

A report put out by Property Casualty Insurers Association of America (PCI) found that over the last decade, the average insured collision claim cost in Rhode Island grew 15 percentage points faster than the average of six nearby states.

Rhode Island also has a high amount of uninsured motorists; the IRC estimates it’s at 15 percent. Uninsured drivers drive up the cost of car insurance for law-abiding motorists that carry coverage.

Even with reasons for car insurance rates to be high, drivers in Rhode Island can still shop around to get the best rates possible. Insurance companies rate risk factors differently, so shopping with at least three companies is the way to find the best rates for your needs.

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