Cheap Quotes for Johnston, RI Car Insurance (2021)

Johnston, Rhode Island car insurance rates average $508 a month and Rhode Island law requires coverage of at least 25/50/25. By comparing rates from multiple Johnston, RI companies, you can find cheap Johnston car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • Average car insurance rates in Johnston, RI are $508/month
  • Average car insurance rates in Johnston, RI after a DUI are $7,424/year
  • The cheapest car insurance company in Johnston is State Farm

How do the Johnston, Rhode Island monthly average car insurance rates of $508/month compare to nearby cities like West Warwick car insurance rates, Slatersville car insurance rates, and Foster car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Johnston, RI.

We’ll cover the Rhode Island minimum coverage requirements, Rhode Island car insurance laws, and Johnston, RI statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Johnston, Rhode Island companies to find the most affordable Johnston car insurance rates.

Enter your ZIP code above to find cheap Johnston, RI car insurance quotes today.

What are the minimum Johnston, RI car insurance requirements?

To meet Rhode Island minimum car insurance coverage requirements, Johnston, RI drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Johnston, Rhode Island

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Johnston, RI car insurance rates?

Three of the criteria that most affect car insurance rates in Johnston, Rhode Island are age, gender, and marital status. Let’s take a look at how each of these stack up with top Johnston car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Johnston, Rhode Island

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,722 $4,641 $4,676 $4,885 $8,108 $9,591 $4,954 $5,117
GEICO $4,477 $4,587 $4,587 $4,485 $14,066 $18,396 $4,640 $4,846
Liberty Mutual $4,804 $4,804 $4,573 $4,573 $11,807 $18,496 $4,804 $6,579
Nationwide $3,480 $3,540 $3,027 $3,226 $9,522 $12,331 $4,187 $4,572
Progressive $2,668 $2,531 $2,450 $2,435 $11,996 $13,498 $3,263 $3,328
State Farm $1,729 $1,729 $1,527 $1,527 $4,794 $6,393 $1,902 $2,273
Travelers $2,097 $2,124 $2,132 $2,123 $21,941 $34,791 $2,162 $2,415
USAA $2,735 $2,714 $2,612 $2,570 $12,695 $14,523 $3,751 $3,957

How much do teen drivers pay for car insurance in Johnston, RI?

Johnston, Rhode Island car insurance rates for teens are often higher than rates for other drivers. Compare Johnston car insurance rates from multiple Johnston, Rhode Island car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Johnston, Rhode Island

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,108 $9,591
GEICO $14,066 $18,396
Liberty Mutual $11,807 $18,496
Nationwide $9,522 $12,331
Progressive $11,996 $13,498
State Farm $4,794 $6,393
Travelers $21,941 $34,791
USAA $12,695 $14,523

How much do senior drivers pay for car insurance in Johnston, RI?

With a little research, seniors can find affordable car insurance in Johnston, Rhode Island. Here’s a look at how the top Johnston car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Johnston, Rhode Island

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,676 $4,885
GEICO $4,587 $4,485
Liberty Mutual $4,573 $4,573
Nationwide $3,027 $3,226
Progressive $2,450 $2,435
State Farm $1,527 $1,527
Travelers $2,132 $2,123
USAA $2,612 $2,570

How does coverage level affect Johnston, RI car insurance rates?

How much coverage do you need? Are you comfortable with the Rhode Island minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Johnston, RI car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Johnston, Rhode Island

Insurance Company Low Medium High
Allstate $5,498 $5,819 $6,194
GEICO $7,138 $7,494 $7,899
Liberty Mutual $7,123 $7,518 $8,025
Nationwide $5,682 $5,529 $5,245
Progressive $4,962 $5,239 $5,613
State Farm $2,591 $2,730 $2,881
Travelers $8,855 $8,885 $8,430
USAA $5,431 $5,699 $5,954

How does your driving record affect Johnston, RI car insurance rates?

Safe driving pays off. The more traffic violations you have in Johnston, RI, the higher your car insurance rates will be. Compare rates based on driving infractions from top Johnston, Rhode Island companies.

Annual Johnston, Rhode Island Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,131 $5,927 $6,630 $5,660
GEICO $4,849 $6,379 $12,727 $6,087
Liberty Mutual $7,047 $8,118 $8,008 $7,047
Nationwide $5,153 $5,557 $5,931 $5,301
Progressive $4,299 $6,830 $4,829 $5,127
State Farm $2,532 $3,341 $2,532 $2,532
Travelers $7,816 $8,086 $10,081 $8,909
USAA $4,128 $5,606 $8,656 $4,388

How does a DUI affect Johnston, RI car insurance rates?

With even one DUI on your record, you can see an increase in your Johnston, RI car insurance rates.

Annual Car Insurance Rates After a DUI in Johnston, Rhode Island

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,630
GEICO $12,727
Liberty Mutual $8,008
Nationwide $5,931
Progressive $4,829
State Farm $2,532
Travelers $10,081
USAA $8,656

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How does your credit history affect Johnston, RI car insurance rates?

Take a look at the data here to see how your Johnston, Rhode Island car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Johnston, Rhode Island

Insurance Company Poor Fair Good
Allstate $7,339 $5,617 $4,554
GEICO $8,413 $7,303 $6,816
Liberty Mutual $9,963 $6,587 $6,115
Nationwide $6,379 $5,237 $4,840
Progressive $5,899 $5,136 $4,780
State Farm $3,675 $2,482 $2,045
Travelers $9,154 $8,526 $8,489
USAA $8,478 $4,791 $3,815

How does your commute affect Johnston, RI car insurance rates?

Johnston, RI car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Rhode Island can be seen here. Remember, though, that you may have to carry substantially more car insurance in Johnston if you’re financing.

Annual Car Insurance Rates by Commute Length in Johnston, Rhode Island

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,795 $5,879
GEICO $7,358 $7,663
Liberty Mutual $7,306 $7,804
Nationwide $5,486 $5,486
Progressive $5,271 $5,271
State Farm $2,651 $2,817
Travelers $8,723 $8,723
USAA $5,640 $5,750

Who has the cheapest Johnston, RI car insurance rates?

Here’s a breakdown of Johnston, Rhode Island car insurance rates by company. You can see which company offers the cheapest Johnston car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Johnston, Rhode Island

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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What are the top Johnston, RI car insurance companies?

Which Johnston, Rhode Island car insurance company will best fit your needs and budget? Check out this comparison of the top Johnston companies to find the one for you.

Average Annual Car Insurance Rates by Company in Johnston, Rhode Island

Insurance Company Average Annual Rates
Allstate $5,837
GEICO $7,511
Liberty Mutual $7,555
Nationwide $5,486
Progressive $5,271
State Farm $2,734
Travelers $8,723
USAA $5,695

What factors affect Johnston, RI car insurance rates?

Why are Johnston, Rhode Island car insurance rates different than rates in West Warwick or Slatersville? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Johnston, RI?

FBI statistics show that the Johnston, Rhode Island car theft rate is 40 thefts each year. High theft rates can lead to higher than average Johnston, RI car insurance rates.

Car Insurance Quotes for Johnston, RI

Shop for affordable Johnston, Rhode Island car insurance rates today. Enter your ZIP code to compare quotes from multiple Johnston, RI car insurance companies.

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