Car Insurance in East Providence, RI
Find out where to get coverage, which types you need, and more in East Providence, RI.
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.
The rate of uninsured drivers in Rhode Island is higher than the current national average. More than 15% of drivers in Rhode Island are uninsured, while 13% of drivers across the country are uninsured. With a higher concentration of folks without adequate coverage on the road in your state, it's critical to ensure that you're protected.
An independent insurance agent in East Providence can help you get equipped with all the coverage you need against uninsured drivers and more. They'll help you build a car insurance policy that really fits. But for starters, here's a detailed breakdown of car insurance in East Providence, RI.
Best Car Insurance in East Providence, RI
If it's time to hunt for the best car insurance, it's also time to call up a local independent insurance agent. East Providence, RI is home to plenty of independent insurance agents who are experts on car insurance, and the best carriers in your city. They know which ones offer the coverage you need at the right price.
But the benefits of independent insurance agents don't end with just shopping for insurance. Your agent can also file claims for you and help you change your coverage down the road. Get started with an East Providence, RI independent insurance agent today to find the best car insurance for you.
What Does Car Insurance Cover in East Providence, RI?
You'll work with your independent insurance agent to assemble the car insurance policy that's right for your needs, but you'll probably start with these core coverages:
- Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft.
- Liability coverage: This covers lawsuit costs if you cause bodily injury or property damage to a third party with your vehicle.
- Personal injury protection: This covers the treatment of injuries to you and your passengers after an accident you were at fault for.
- Uninsured motorist coverage: This covers costs if you get into a collision with another driver who doesn't carry any or enough coverage of their own, and is at fault for the crash.
Though uninsured motorist coverage isn't required by law in Rhode Island, your independent insurance agent is likely to strongly recommend it, especially with an above-average rate of uninsured drivers in the state.
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How Much Does Car Insurance Cost in East Providence, RI?
Car insurance in Rhode Island averages $1,656 annually, while the US overall average is just $1,311 per year. Rhode Island actually ranks eighth-most expensive for car insurance premiums in the nation. Regardless, your East Providence independent insurance agent can help you find affordable car insurance in your city.
Is Car Insurance Required in East Providence, RI?
Only liability coverage is required by state law in Rhode Island, including:
- Bodily injury liability: At least $25,000 per person and $50,000 per incident of this coverage is required.
- Property damage liability: At least $25,000 per accident of this coverage is required.
Your independent insurance agent in East Providence, Rhode Island can help you build a car insurance policy that includes not only your area's minimum requirements, but also satisfies your personal needs and concerns.
What Are the Best Car Insurance Companies in East Providence, RI?
We've provided a list of some of our top recommendations for car insurance in East Providence, RI to help you save time when hunting for the best coverage.
| Best Car Insurance Companies in East Providence, RI | Star Rating |
| Travelers |
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| Progressive |
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| Selective Insurance |
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| MAPFRE |
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| Stillwater |
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Why Work with an Independent Insurance Agent in East Providence, RI?
There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.
Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Rhode Island to find you the right coverage at a great price.
https://dbr.ri.gov/documents/divisions/insurance/property_casualty/com_guide-auto_insur.PDF