Car Insurance in Warwick, Rhode Island
Estimated full coverage in Warwick runs about $1,910 a year ($159/month) — ▼ 0% versus the Rhode Island average, ranking 7th most expensive of the 8 Rhode Island cities we cover.
Why car insurance in Warwick costs less than the Rhode Island average
Insurers price by territory, and Warwick's numbers explain most of the gap. With 83,554 residents on 35.0 square miles, the city's density (2,387 people per square mile) is 23% higher than the density where the typical Rhode Island resident lives (1,947). The average commute is 24.6 minutes (Rhode Island: 25.5), and 77% of workers drive alone. Together these put our location factor at 1.00× the state baseline for liability and collision, and 0.96× for comprehensive once FEMA weather risk for Kent County is included.
| Factor | Warwick | Rhode Island ref. | Why it matters |
|---|---|---|---|
| Population density | 2,387 / sq mi | 1,947 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 24.6 min | 25.5 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 6.4% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 77.1% | — | Share of workers commuting by car. |
| Public transit to work | 1.0% | — | Transit use lowers how much residents drive. |
| Work from home | 12.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.5% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 52.1 | 70.5 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Warwick
Rates can change from one ZIP code to the next. Across 4 Warwick ZIP codes, our full-coverage estimate ranges from $1,845 in 02818 to $1,975 in 02889. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 02886 | 31,293 | 1,981 | 22.5 min | 7.7% | $1,865 | −2% |
| 02889 | 27,516 | 3,254 | 26.6 min | 3.7% | $1,975 | +3% |
| 02818 | 19,786 | 932 | 26.0 min | 5.3% | $1,845 | −3% |
| 02888 | 19,134 | 3,245 | 24.3 min | 4.4% | $1,935 | +1% |
Minimum car insurance in Warwick
Warwick drivers follow Rhode Island's rules: at least 25/50/25 liability coverage. Rhode Island is at-fault (tort). We estimate state-minimum coverage in Warwick at $825 a year, and $1,195 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident or $75,000 combined single limit | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Rhode Island does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist bodily injury coverage must be included unless the insured signs to decline it. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Offered together with uninsured motorist coverage; declining requires the insured's signature. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Drivers under 18 must file a GU-1338 Special Financial Responsibility Insurance Certificate to register a vehicle.
Risk factors that shape Warwick premiums
Accidents
Rhode Island recorded 52 traffic deaths, or 0.68 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Rhode Island's vehicle theft rate is 105 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Honda Accord (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Kent County as very low for hail, relatively moderate for inland flooding and relatively low for strong wind, and relatively moderate for hurricanes.
Traffic & commuting
6.4% of Warwick commuters spend an hour or more getting to work, and there are 1.80 vehicles per household. 12.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 3.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 39.1 | Comprehensive; dwelling | |
| Hurricane | 82.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 80.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 59.6 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 47.0 | Comprehensive; dwelling | |
| Winter weather | 54.9 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Warwick by driver profile
A clean-record driver in their 50s pays the least in our Warwick model (about $1,760 for full coverage); an 18-year-old on their own policy pays about $5,260, and a DUI pushes a 30-something to $3,535.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,265 | $3,280 | $5,260 | $438 |
| Young adult (22) | $1,315 | $1,910 | $3,060 | $255 |
| Adult in their 30s | $825 | $1,195 | $1,910 | $159 |
| Adult in their 50s | $755 | $1,100 | $1,760 | $147 |
| Senior (72) | $920 | $1,335 | $2,140 | $178 |
| 30s, one at-fault accident | $1,195 | $1,730 | $2,775 | $231 |
| 30s, DUI on record | $1,520 | $2,205 | $3,535 | $295 |
Minimum vs. standard vs. full coverage in Warwick
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $825 | $69 | $675–$970 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,195 | $99 | $980–$1,410 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,910 | $159 | $1,570–$2,255 |
Estimate your premium in Warwick
Runs in your browser — nothing you enter is stored or sent to insurers.
Cheap car insurance in Warwick: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Warwick's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $100 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $130 | You're among the 12.4% of Warwick workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $395 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $715 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $425 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Warwick
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 18 offices listed below.
- Check complaint records with the Rhode Island Division of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Warwick, our estimates differ by up to $130 a year between neighborhoods.
Car insurance agents near Warwick, RI
We found 18 insurance offices within about 5 miles of central Warwick, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Kevin Cloutier - Allstate
2000 Warwick Ave, Warwick, RI 02889 -
McLane Insurance Agency, Inc.
2914 Post Road, #6, Warwick, RI 02886 -
Steven M Botwick - Farmers Insurance
3890 Post Rd, Warwick, RI 02886 -
Farm Family Life Insurance Co
118 Airport Road, Warwick, RI 02889 -
Robert Bolton - Allstate
1845 Post Rd, Ste B, Warwick, RI 02886 -
Keith Cloutier - Allstate
740 Greenwich Ave, Warwick, RI 02886 -
Hilb Group
16-22 Main Street, East Greenwich, RI 02818 -
Ronald Newman Jr - Allstate
873 Warwick Ave, Warwick, RI 02888 -
Brook Insurance Associates LLC
1935 Elmwood Avenue, Warwick, RI 02888 -
Grande Insurance Agency
RI -
Dacey Insurance Agency
RI -
Blackman Insurance Agency
RI -
Bentsen Combies Insurance
RI -
Warren Nichols Insurance Agency
RI -
Gregg Larson - Allstate
1249 Oaklawn Ave, Cranston, RI 02920 -
Allstate Insurance: Jaime Tasca
RI -
Tammy M Weaver - Farmers Insurance
51 Sockanosset Cross Rd, Cranston, RI 02920 -
Jason Ialongo - Allstate
95 Sockanosset Cr Rd, Ste 107, Cranston, RI 02920
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Warwick
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,455 | −24% |
| Subaru Outback | Wagon | $1,420 | −26% |
| Tesla Model 3 | Midsize car | $2,010 | +5% |
| Subaru Forester | Small SUV | $1,380 | −28% |
| Honda Civic | Compact car | $2,220 | +16% |
| Toyota Corolla | Compact car | $2,080 | +9% |
| Jeep Wrangler | Midsize SUV | $1,700 | −11% |
| Mazda CX-5 | Small SUV | $1,640 | −14% |
| MINI Cooper | Subcompact car | $1,465 | −23% |
| Tesla Model Y | Midsize SUV | $1,805 | −5% |
Car insurance in nearby Rhode Island cities
- Cranston $1,940/yr · 6 mi
- East Providence $1,930/yr · 7 mi
- Providence $2,095/yr · 8 mi
- Pawtucket $2,085/yr · 12 mi
- Central Falls $2,210/yr · 13 mi
- Newport $1,840/yr · 16 mi
- Woonsocket $2,105/yr · 21 mi
All Rhode Island cities and state rules · Homeowners insurance in Warwick
Frequently asked questions
How much is car insurance in Warwick, RI?
We estimate full coverage in Warwick at about $1,910 a year ($159 a month) for a driver in their 30s with a clean record, and about $825 for Rhode Island's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Warwick cheaper than the Rhode Island average?
Our Warwick estimate is about the same as the statewide figure. The model reflects a population density of 2,387 people per square mile (the typical Rhode Island resident lives at about 1,947) and an average commute of 24.6 minutes versus 25.5 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Warwick?
Drivers in Warwick follow Rhode Island law: at least 25/50/25 liability coverage.
Which ZIP code in Warwick has the cheapest car insurance?
Among Warwick's 4 ZIP codes, 02818 has the lowest estimate (about $1,845 a year for full coverage) and 02889 the highest (about $1,975), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Warwick?
An 18-year-old with their own full-coverage policy would pay around $5,260 a year in Warwick by our estimate ($2,265 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Warwick?
FEMA's National Risk Index does not rate Kent County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Warwick?
We list 18 insurance offices in and around Warwick, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- R.I. Gen. Laws 31-47-2 (financial security definitions and limits)
- RI DBR Insurance Division: Industry Alert 2018-2 (SR-22 filings eliminated)
- RI DMV: GU-1338 Special Financial Responsibility Insurance Certificate
- RI DBR: Division of Insurance - Consumers
- RI DBR: Have a Question or Complaint?
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Warwick and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places