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Cheap Car Insurance in Providence, Rhode Island

Find cheap car insurance in Providence, Rhode Island — home of the Ivy League’s Brown University and the famous FireWalk art installation. With a population of about 179,000, Rhode Island’s capital city has a quaint New England vibe. But it’s also known as gay-friendly, artsy, hilly and a foodie’s paradise; it even boasts a Culinary Arts Museum. Providence was one of the first cities in the nation to industrialize, becoming known for its silverware and jewelry. The economy has since shifted toward service industries, but manufacturing remains strong. Built in 1828, the oldest enclosed mall in America, The Arcade Providence, made headlines when it was converted into micro-apartments and reopened in 2013.

Driving Conditions in Providence

Locals report that driving in Rhode Island altogether can be challenging, some decrying what is called the “Rhode Island sneak,” in which a driver will pull partway into traffic and block the lane to force his or her way in without waiting. As for traffic, year-over-year statistics show congestion in Providence has increased only slightly, about 1 percent in 2016 from the year before, according to TomTom’s historical database. The average commute time is just over 25 minutes, vs. the U.S. average commute time of 26 minutes. Current traffic incidents and information can be accessed at

Unique Laws in Providence

Providence recently passed a controversial measure limited its households to three dogs, specifying that those who own more than three will have to get rid of some. In addition, all dogs must be spayed or neutered unless the owner has a breeder permit. Rhode Islanders are banned from racing or testing the speed of a horse on public highways, holding professional sports on Sunday without a license or impersonating a town auctioneer, corder of wood or “fence-viewer.”

Rhode Island drivers also must give an audible signal when passing another car, according to a list of odd laws collected by Kupper Automotive.

Providence Crime Statistics

Crime rates in Providence are above state and national rates, but considered average when compared with other communities its size, according to Neighborhood Scout, which places your chances of getting your car stolen in Providence at one in 328. The Providence-Warwick metro area reported 2,511 cases of auto theft in 2016, according to the National Insurance Crime Bureau, or a rate of 157 incidents per 100,000 people. This is lower than the national average of 220 per 100,000 people.

Providence Safety Requirements

Rhode Island’s “primary” seat belt law went into effect in 2011, which means you can be pulled over and ticketed for failing to follow seat belt laws. According to the State of Rhode Island Department of Public Safety, everyone in the vehicle must wear seat belts, and children under 8 and less than 4 feet, 9 inches tall must be in the back seat and property restrained by either a booster or safety seat. The fine for a child riding in the front seat or for someone over age 8 not wearing a seat belt is $85, and a violation for transporting a child without a restraint system requires an appearance in court.

Providence Impaired Driving Laws

Much like surrounding states, the threshold for DUI charges in Rhode Island is .08 for adults and .02 for minors under 21, according to the Rhode Island Division of Motor Vehicles. A first offense will results in a driver’s license suspension for 6 to 18 months. Prior offenses will stay on your record for 5 years. You also may be required to enroll in an alcohol education program, the first session of which is an “alcohol assessment.” If this assessment determines you have a high probability of re-offending, you’ll be referred to an approved alcohol treatment provider. Regardless of your background or driving record, contact us to find cheap car insurance in Providence and compare rates.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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