Rhode Island Car Insurance

Introduction:

If you are a resident of Rhode Island, you may be wondering how to get the best possible rates on your car insurance. Getting online auto insurance quotes is the best way to save money on insurance costs. You get to compare the prices of a few different providers which do business in your state, and select the one with the most competitive rates. That way, it will be easy for you to find cheap car insurance premiums, no matter what kind of car you drive or where you live in Rhode Island.

Rhode Island rates in the past few years:

In 2008, the average car insurance premium in Rhode Island was $1.00. This shows a change of 3.7% from 2007, where rates were at an average of $996.51. After analyzing average insurance rates for the year 2008, we can see that liability coverage cost motorists an average of $690.78, collision averaged a price of $376.42 and comprehensive coverage was averaged at $131.61. A total of 6 states had insurance premiums which were higher than those found in Rhode Island and 43 had premiums which were lower. This figure was unchanged from 2007, where 6 states had higher premiums than Rhode Island. Going back a bit longer, in the year 2000, average insurance premiums for one automobile and driver were $825.44 and $880.06 in the year 2005. During the year 2000, there were a total of 7 states that had insurance premiums which were higher.

Some factors which help determine the cost of insurance in Rhode Island:

• Speed limit (cities): 55 mph
• Speed limit (highways): 55 mph
• Max. blood alcohol content: 0.08%
• Open container regulations: Drivers are prohibited from possessing open alcohol.
• Statewide hand held mobile device bans: No statewide ban is currently in effect.
• Other restrictions on cell phone usage: School bus drivers, as well as all drivers under the age of 18 are not allowed to use any type of cell phone while driving a motor vehicle in Rhode Island.
• License suspension length for DUI: There is no suspension of drivers license in case of a first DUI offense.
• Restoration of license after DUI: This information is not available for this state.

Auto insurance premium information for Rhode Island:

• Average premium (2008): $1.00
• Average premium (2007): $996.51
• Amount of change between 2007 - 2008: $3.70%
• Average collision cost: $376.42
• Average collision cost (year 2008): $376.42
• Average liability cost (year 2008): $690.78
• Average comprehensive cost (year 2008): $131.61
• Premium rank in the USA (year 2008): 7th