Car Insurance in Cranston, RI – 2025 Rates + Cheapest to Insure

What does average auto insurance cost in Cranston, Rhode Island? Get ready to find out as we analyze rates for over 150 models to find the vehicles with the cheapest rates.

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How much is car insurance in Cranston?

Average auto insurance cost in Cranston is $3,450 per year, which is 43.3% more than the national average rate of $2,221. The average cost per month for car insurance in Cranston is $288 for a full-coverage car insurance policy.

In the state of Rhode Island, the average car insurance expense is $2,892 per year, so the cost in Cranston averages $558 more per year. The average cost to insure a car in Cranston compared to other Rhode Island cities is around $176 per year less than in Providence, $438 per year more than in Warwick, and $272 per year more than in East Providence.

The next chart summarizes average auto insurance cost in Cranston, RI, broken out based on a range of different driver ages, policy deductibles, and potential risk scenarios. Rates are averaged for all 2024 vehicle models including luxury cars and SUVs.

Average car insurance rates in Cranston for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Cranston for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Cranston includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Cranston, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,940$662
Safe Driver Age 20$6,944$579
At-fault Accidents Age 40$4,888$407
Low Deductibles Age 40$4,516$376
Safe Driver Age 30$3,682$307
Safe Driver Age 40$3,450$288
Safe Driver Age 50$3,062$255
High Deductibles Age 40$2,904$242
Discount Rate Age 40$2,870$239
Safe Driver Age 60$2,866$239

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

In the chart above, the cost of car insurance in Cranston ranges from $2,870 per year for a 40-year-old driver who qualifies for a discount rate to $7,940 per year for a 30-year-old driver with a poor driving record or too many at-fault accidents. From a monthly budget point of view, the average cost in the chart above ranges from $239 to $662 per month.

Car insurance rates are different for every driver and can also be very different depending on the company. The potential for large differences in cost reinforces the need to get accurate auto insurance quotes when searching online for the cheapest Cranston auto insurance.

The age of the rated driver is the factor that has the most impact on the price you pay for auto insurance, so the list below illustrates these differences by breaking down average car insurance rates for different driver ages.

Cranston car insurance cost by driver age

  • 16-year-old driver – $12,293 per year or $1,024 per month
  • 17-year-old driver – $11,911 per year or $993 per month
  • 18-year-old driver – $10,676 per year or $890 per month
  • 19-year-old driver – $9,721 per year or $810 per month
  • 20-year-old driver – $6,944 per year or $579 per month
  • 30-year-old driver – $3,682 per year or $307 per month
  • 40-year-old driver – $3,450 per year or $288 per month
  • 50-year-old driver – $3,062 per year or $255 per month
  • 60-year-old driver – $2,866 per year or $239 per month

Popular vehicles in Cranston tend to be compact and midsize cars like the Volkswagen Jetta, Hyundai Elantra, and Toyota Camry and compact or midsize SUVs like the Chevy Equinox, Toyota RAV4, and Toyota Highlander.

Some additional popular models in Cranston from other segments include luxury SUVs like the Cadillac XT5 and BMW X5, luxury cars like the Lexus ES 350 and BMW 530i, and pickup trucks like the Ford F-150 and Chevy Silverado.

We will explore auto insurance rates for many more vehicles coming up, but before we get into that data, let’s quickly review the key concepts that we have covered in the data above.

  • Average cost per month ranges from $239 to $1,024 – That’s the average car insurance cost range for drivers aged 16 to 60 in Cranston.
  • Cranston, RI, car insurance cost is more than the U.S. average – $3,450 (Cranston average) compared to $2,221 (U.S. average)
  • Car insurance with low deductibles costs more – A 50-year-old driver pays an average of $1,438 more per year for a policy with $250 deductibles versus $1,000 deductibles.
  • Cranston auto insurance rates are more expensive than the Rhode Island state average – $3,450 (Cranston average) compared to $2,892 (Rhode Island average)
  • Car insurance is generally cheaper as you age – Average auto insurance rates for a 60-year-old driver in Cranston are $4,078 per year cheaper than for a 20-year-old driver.

Which vehicles have cheap insurance in Cranston?

When all makes and models are compared, the models with the lowest cost average car insurance prices in Cranston tend to be compact SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, Buick Envision, and Hyundai Venue.

Average auto insurance prices for those small SUVs cost $234 or less per month for a policy with full coverage.

Other vehicles that come in near the top in our cost comparison are the Nissan Murano, Volkswagen Tiguan, Subaru Outback, and Buick Encore. Average cost is slightly more for those models than the cheapest small SUVs and crossovers at the top of the rankings, but they still have average rates of $3,004 or less per year in Cranston.

The next table details the top 40 cheapest vehicles to insure in Cranston, sorted by average cost.

Top 40 Cheapest Cars, Trucks, and SUVs to Insure in Cranston, RI
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,550$213
2Chevrolet Trailblazer$2,594$216
3Kia Soul$2,696$225
4Nissan Kicks$2,718$227
5Honda Passport$2,750$229
6Buick Envision$2,764$230
7Toyota Corolla Cross$2,782$232
8Hyundai Venue$2,802$234
9Mazda CX-5$2,814$235
10Ford Bronco Sport$2,828$236
11Volkswagen Tiguan$2,856$238
12Acura RDX$2,884$240
13Nissan Murano$2,902$242
14Buick Encore$2,934$245
15Subaru Outback$2,940$245
16Honda CR-V$2,944$245
17Buick Envista$2,950$246
18Volkswagen Taos$2,956$246
19Kia Niro$2,972$248
20Toyota GR Corolla$2,998$250
21Honda HR-V$3,004$250
22Subaru Ascent$3,006$251
23Nissan Leaf$3,022$252
24Chevrolet Colorado$3,042$254
25Lexus NX 250$3,054$255
26Honda Civic$3,058$255
27Volkswagen Atlas$3,060$255
28Acura Integra$3,070$256
29Subaru Forester$3,072$256
30Volkswagen Atlas Cross Sport$3,074$256
31Kia Seltos$3,082$257
32GMC Terrain$3,092$258
33Nissan Rogue$3,102$259
34Hyundai Kona$3,106$259
35Mazda CX-30$3,112$259
36Cadillac XT4$3,118$260
37Ford Explorer$3,132$261
38Volkswagen ID4$3,132$261
39Toyota Highlander$3,142$262
40Ford Escape$3,148$262

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cranston, RI Zip Codes. Updated June 26, 2025

Top 40 cheapest vehicles to insure in Cranston, RI with the Subaru Crosstrek ranking first at $2,550 per year
Top 40 cheapest vehicles to insure in Cranston, RI with the Subaru Crosstrek ranking first at $2,550 per year

A table of 40 of the cheapest vehicles to insure in Cranston is great if you just want the lowest rates. A more useful way to look at auto insurance rates in an organized fashion is by sorting them by automotive segment.

The next section of this article goes into detail about the average cost of car insurance in Cranston for each different automotive segment. The rates shown should give you a good idea of the types of vehicles that have the most affordable Cranston auto insurance rates. Then the six sections that follow the chart rank the 20 models with the cheapest rates in the most popular segments.

Cranston auto insurance rates by automotive segment

When comparing new or used vehicles, it’s useful to have an idea of which styles of vehicles have better car insurance rates in Cranston.

For example, maybe you want to know if compact cars have cheaper auto insurance than midsize cars or if full-size pickups have more expensive auto insurance than midsize pickups.

The chart below displays the average cost of car insurance rates in Cranston for different vehicle segments. From a segment comparison perspective, small SUVs and midsize pickups have the cheapest rates, with luxury and performance models having the highest average cost of insurance.

Car insurance average cost by automotive segment in Cranston, RI.
Figure 2: Car insurance average cost by automotive segment in Cranston, RI. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Cranston Zip Codes.

Car Insurance Rates by Automotive Segment in Cranston, RI
Automotive Segment Annual Premium Cost Per Month
Compact SUV$3,170$264
Midsize SUV$3,408$284
Compact Car$3,410$284
Minivan$3,416$285
Midsize Pickup$3,484$290
Midsize Car$3,522$294
Compact Luxury SUV$3,744$312
Compact Luxury Car$3,796$316
Large SUV$3,812$318
Half-ton Pickup$3,826$319
Heavy Duty Pickup$3,970$331
Midsize Luxury SUV$4,100$342
Midsize Luxury Car$4,234$353
Sports Car$4,746$396
Large Car$4,964$414
Large Luxury SUV$5,344$445
Large Luxury Car$5,520$460

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Cranston, RI Zip Codes. Updated June 26, 2025

Average rates by automotive segment are practical to make an overall comparison, but auto insurance cost varies quite a lot within each of the segments listed in the chart above.

For example, in the midsize car segment, Cranston insurance rates range from the Kia K5 costing $3,324 per year for a full coverage policy to the Tesla Model 3 costing $4,054 per year. In the midsize truck segment, average rates range from the Chevrolet Colorado at $3,042 per year to the Rivian R1T costing $4,304 per year.

In the next parts of this article, we will remove much of this variability by looking at the cost of car insurance in Cranston for specific vehicles rather than by segments.

Cheapest cars to insure in Cranston, RI

Ranking at the top for the cheapest Cranston auto insurance rates in the non-luxury sedan or hatchback segment are the Nissan Leaf, Subaru Impreza, Toyota GR Corolla, Honda Civic, and Nissan Sentra. Auto insurance prices for these models average $3,170 or less per year, or around $264 per month.

Rounding out the top 10 are cars like the Chevrolet Malibu, Honda Accord, Toyota Corolla, and Kia K5, with average annual insurance rates of $3,362 per year or less.

Full-coverage car insurance in this segment for a safe driver can cost as low as $250 per month, depending on the company.

If ranked by vehicle size, the most affordable non-luxury compact car to insure in Cranston is the Toyota GR Corolla at $2,998 per year. For midsize 2024 models, the Kia K5 is cheapest to insure at $3,324 per year. And for full-size non-luxury cars, the Chrysler 300 is most affordable to insure at $3,288 per year.

The rate comparison table below ranks the cars with the cheapest auto insurance rates in Cranston, starting with the Toyota GR Corolla at $250 per month and ending with the Mazda 3 at $297 per month.

Cheapest Car Insurance in Cranston, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,998$250
Nissan LeafCompact$3,022$252
Honda CivicCompact$3,058$255
Nissan SentraCompact$3,162$264
Subaru ImprezaCompact$3,170$264
Toyota PriusCompact$3,228$269
Kia K5Midsize$3,324$277
Honda AccordMidsize$3,334$278
Chevrolet MalibuMidsize$3,348$279
Toyota CorollaCompact$3,362$280
Kia ForteCompact$3,370$281
Volkswagen ArteonMidsize$3,392$283
Nissan VersaCompact$3,402$284
Subaru LegacyMidsize$3,404$284
Hyundai Ioniq 6Midsize$3,436$286
Mitsubishi Mirage G4Compact$3,484$290
Volkswagen JettaCompact$3,492$291
Toyota CrownMidsize$3,494$291
Hyundai SonataMidsize$3,498$292
Mazda 3Compact$3,568$297

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cranston, RI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Cranston, RI, with the Toyota GR Corolla ranking first at $2,998 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Cranston, RI, with the Toyota GR Corolla ranking first at $2,998 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see your car in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Rhode Island.

Cheapest SUV insurance rates in Cranston

The top three non-luxury SUVs with the cheapest average insurance rates in Cranston are the Subaru Crosstrek at $2,550 per year, the Chevrolet Trailblazer at $2,594 per year, and the Kia Soul at $2,696 per year.

Other models that rank well are the Buick Envision, Mazda CX-5, Toyota Corolla Cross, and Ford Bronco Sport, with average cost of $2,828 per year or less.

In the bottom half of the top 20, models like the Nissan Murano, Buick Envista, Subaru Outback, Honda CR-V, and Honda HR-V cost between $2,828 and $3,006 per year to insure.

Full-coverage insurance in this segment for an average middle-age driver starts at an average of $213 per month, depending on the company and your location.

The comparison table below ranks the twenty SUVs with the most affordable insurance rates in Cranston, starting with the Subaru Crosstrek at $2,550 per year and ending with the Subaru Ascent at $3,006 per year.

Cheapest SUV Insurance in Cranston, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,550$213
Chevrolet TrailblazerCompact$2,594$216
Kia SoulCompact$2,696$225
Nissan KicksCompact$2,718$227
Honda PassportMidsize$2,750$229
Buick EnvisionCompact$2,764$230
Toyota Corolla CrossCompact$2,782$232
Hyundai VenueCompact$2,802$234
Mazda CX-5Compact$2,814$235
Ford Bronco SportCompact$2,828$236
Volkswagen TiguanCompact$2,856$238
Nissan MuranoMidsize$2,902$242
Buick EncoreCompact$2,934$245
Subaru OutbackMidsize$2,940$245
Honda CR-VCompact$2,944$245
Buick EnvistaMidsize$2,950$246
Volkswagen TaosCompact$2,956$246
Kia NiroCompact$2,972$248
Honda HR-VCompact$3,004$250
Subaru AscentMidsize$3,006$251

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cranston, RI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Cranston, RI, with the Subaru Crosstrek ranking first at $2,550 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Cranston, RI, with the Subaru Crosstrek ranking first at $2,550 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV missing from the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Cranston car insurance quotes from top-rated auto insurance companies in Rhode Island.

Cheapest luxury car insurance rates in Cranston, Rhode Island

The four most affordable luxury car models to insure in Cranston are the Acura Integra at $3,070 per year, BMW 330i at $3,516 per year, Mercedes-Benz CLA250 at $3,554 per year, and Lexus IS 300 at $3,560 per year.

Other luxury cars that have affordable insurance rates are the Genesis G70, Mercedes-Benz AMG CLA35, Lexus ES 350, and Lexus RC 300, with average cost of $3,630 per year or less.

On a monthly basis, auto insurance in this segment for the average driver will start around $256 per month, depending on your location and insurance company.

If rates are ranked by vehicle size, the most budget-friendly small luxury car to insure in Cranston is the Acura Integra at $3,070 per year, or $256 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the best rates at $3,554 per year, or $296 per month. And for full-size luxury cars, the Audi A5 has the best rates at $4,102 per year, or $342 per month.

The table below ranks the cars with the cheapest car insurance rates in Cranston, starting with the Acura Integra at $3,070 per year ($256 per month) and ending with the Audi S3 at $3,872 per year ($323 per month).

Cheapest Luxury Car Insurance in Cranston, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$3,070$256
BMW 330iCompact$3,516$293
Mercedes-Benz CLA250Midsize$3,554$296
Lexus IS 300Midsize$3,560$297
Acura TLXCompact$3,574$298
Cadillac CT4Compact$3,606$301
Lexus ES 350Midsize$3,606$301
Genesis G70Compact$3,614$301
Mercedes-Benz AMG CLA35Midsize$3,622$302
Lexus RC 300Midsize$3,630$303
Lexus IS 350Compact$3,646$304
Jaguar XFMidsize$3,652$304
Cadillac CT5Midsize$3,718$310
Lexus ES 250Midsize$3,736$311
Lexus RC 350Compact$3,746$312
BMW 330eCompact$3,748$312
BMW 228iCompact$3,754$313
BMW 230iCompact$3,784$315
Lexus ES 300hMidsize$3,790$316
Audi S3Compact$3,872$323

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cranston, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Cranston, RI, with the Acura Integra ranking first at $3,070 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Cranston, RI, with the Acura Integra ranking first at $3,070 per year.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see rates for your luxury car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Cranston car insurance quotes from top companies in Rhode Island.

Cheapest luxury SUVs to insure in Cranston

Ranking highest for the cheapest Cranston auto insurance rates in the luxury SUV segment are the Cadillac XT5, Lexus NX 250, Jaguar E-Pace, Cadillac XT4, and Acura RDX. Car insurance quotes for these vehicles average $3,258 or less per year, or around $272 per month.

Other models that have cheaper rates are the Lexus UX 250h, Lexus NX 350h, Lincoln Corsair, and Lexus NX 450h, with an average car insurance cost of $3,328 per year or less.

From a monthly standpoint, auto insurance in this segment for a safe driver can cost as low as $240 per month, depending on your location and insurance company.

When prices are compared by vehicle size, the most affordable compact luxury SUV to insure in Cranston is the Acura RDX at $2,884 per year. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $3,228 per year. And for large luxury SUV models, the Infiniti QX80 has the most affordable rates at $3,872 per year.

The next table ranks the twenty luxury SUVs with the most affordable car insurance rates in Cranston, starting with the Acura RDX at $2,884 per year and ending with the Lexus RX 350 at $3,464 per year.

Cheapest Luxury SUV Insurance in Cranston, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,884$240
Lexus NX 250Compact$3,054$255
Cadillac XT4Compact$3,118$260
Jaguar E-PaceMidsize$3,228$269
Cadillac XT5Midsize$3,258$272
Lexus NX 350hCompact$3,258$272
Lincoln CorsairCompact$3,298$275
Mercedes-Benz GLB 250Compact$3,306$276
Lexus UX 250hCompact$3,310$276
Lexus NX 450hCompact$3,328$277
Infiniti QX50Midsize$3,354$280
Mercedes-Benz GLA250Compact$3,368$281
Cadillac XT6Midsize$3,378$282
Mercedes-Benz GLA35 AMGCompact$3,378$282
Infiniti QX60Midsize$3,396$283
Mercedes-Benz AMG GLB35Midsize$3,402$284
Land Rover EvoqueCompact$3,448$287
Acura MDXMidsize$3,450$288
Lexus NX 350Compact$3,464$289
Lexus RX 350Midsize$3,464$289

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cranston, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Cranston, RI, with the Acura RDX ranking first at $2,884 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Cranston, RI, with the Acura RDX ranking first at $2,884 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Looking for rates for a different luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Cranston car insurance quotes from top auto insurance companies in Rhode Island.

Cheapest pickup truck insurance rates in Cranston

Ranking in the top five for the most affordable Cranston auto insurance rates in the pickup truck segment are the Nissan Titan, Nissan Frontier, Ford Maverick, Chevrolet Colorado, and Ford Ranger. Auto insurance quotes for these vehicles average $3,348 or less per year.

Not the cheapest pickups to insure, but still very reasonable, are trucks like the Toyota Tacoma, GMC Canyon, Honda Ridgeline, and GMC Sierra 2500 HD, with an average cost of $3,550 per year or less.

From a monthly standpoint, car insurance in this segment starts at around $254 per month, depending on where you live and the company you use.

The rate comparison table below ranks the twenty pickups with the cheapest insurance rates in Cranston, starting with the Chevrolet Colorado at $3,042 per year ($254 per month) and ending with the Ram Truck at $3,990 per year ($333 per month).

Cheapest Pickup Insurance in Cranston, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$3,042$254
Nissan TitanFull-size$3,230$269
Nissan FrontierMidsize$3,266$272
Ford RangerMidsize$3,296$275
Ford MaverickMidsize$3,348$279
Honda RidgelineMidsize$3,424$285
Hyundai Santa CruzMidsize$3,482$290
Toyota TacomaMidsize$3,496$291
GMC Sierra 2500 HDHeavy Duty$3,512$293
GMC CanyonMidsize$3,550$296
Jeep GladiatorMidsize$3,636$303
GMC Sierra 3500Heavy Duty$3,658$305
Chevrolet Silverado HD 3500Heavy Duty$3,692$308
Chevrolet Silverado HD 2500Heavy Duty$3,788$316
GMC SierraFull-size$3,810$318
Nissan Titan XDHeavy Duty$3,816$318
Chevrolet SilveradoFull-size$3,818$318
Ford F150Full-size$3,864$322
GMC Hummer EV PickupFull-size$3,958$330
Ram TruckFull-size$3,990$333

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cranston, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Cranston, RI, with the Chevrolet Colorado ranking first at $3,042 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Cranston, RI, with the Chevrolet Colorado ranking first at $3,042 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Cranston car insurance quotes from the best auto insurance companies in Rhode Island.

Cheapest sports car insurance rates in Cranston

The top four sports cars with the cheapest average auto insurance rates in Cranston are the Mazda MX-5 Miata at $3,194 per year, Toyota GR86 at $3,640 per year, Ford Mustang at $3,792 per year, and BMW Z4 at $3,812 per year.

Not the cheapest in the list, but still ranking well, are cars like the Toyota GR Supra, Subaru BRZ, Nissan Z, and Lexus RC F, with average cost of $4,126 per year or less.

Ranked between 10th and 20th place, cars like the Jaguar F-Type, BMW M4, BMW M3, Chevrolet Camaro, Mercedes-Benz AMG GT53, and Porsche 911 average between $4,126 and $5,844 per year for auto insurance.

Full-coverage insurance in this segment for the average driver starts at an average of $266 per month, depending on where you live and the company you use.

The rate comparison table below ranks the twenty sports cars with the cheapest insurance rates in Cranston, starting with the Mazda MX-5 Miata at $266 per month and ending with the Porsche Taycan at $487 per month.

Cheapest Sports Car Insurance in Cranston, RI
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$3,194$266
Toyota GR86Sports Car$3,640$303
Ford MustangSports Car$3,792$316
BMW Z4Sports Car$3,812$318
Subaru WRXSports Car$3,872$323
Toyota GR SupraSports Car$3,876$323
BMW M2Sports Car$3,990$333
Nissan ZSports Car$3,998$333
Lexus RC FSports Car$4,082$340
Subaru BRZSports Car$4,126$344
BMW M3Sports Car$4,360$363
Porsche 718Sports Car$4,446$371
Chevrolet CamaroSports Car$4,486$374
Chevrolet CorvetteSports Car$4,784$399
Porsche 911Sports Car$4,944$412
BMW M4Sports Car$5,152$429
Lexus LC 500Sports Car$5,176$431
Jaguar F-TypeSports Car$5,444$454
Mercedes-Benz AMG GT53Sports Car$5,714$476
Porsche TaycanSports Car$5,844$487

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cranston, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Cranston, RI, with the Mazda MX-5 Miata ranking first at $3,194 per year.
Ranking of the cheapest sports cars to insure in Cranston, RI, with the Mazda MX-5 Miata ranking first at $3,194 per year.

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The highs and lows of auto insurance

To reinforce the amount that car insurance rates can range between drivers (and also emphasize the importance of accurate rate quotes), the charts below show a large range of rates for five popular models in Cranston: the Toyota Corolla, Nissan Rogue, Honda Pilot, Toyota Camry, and Toyota Supra.

Each chart shows average rates for different profiles to demonstrate how much prices can vary based on driver and coverage changes.

Toyota Corolla insurance rates

In Cranston, Toyota Corolla insurance averages $3,362 per year, or about $280 per month, and varies from $2,792 to $7,708.

Average 2024 Toyota Corolla insurance premiums in Cranston for different driver ages and risk scenarios.
Figure 3: Average 2024 Toyota Corolla insurance premiums in Cranston for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Cranston includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Cranston, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,708$642
Safe Driver Age 20$6,726$561
At-fault Accidents Age 40$4,772$398
Low Deductibles Age 40$4,314$360
Safe Driver Age 30$3,572$298
Safe Driver Age 40$3,362$280
Safe Driver Age 50$2,994$250
High Deductibles Age 40$2,870$239
Safe Driver Age 60$2,798$233
Discount Rate Age 40$2,792$233

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 27, 2025

The Toyota Corolla is classified as a compact car, and additional models from the same segment that are popular in Cranston include the Hyundai Elantra, Honda Civic, and Nissan Sentra.

Nissan Rogue insurance rates

Insurance for a Nissan Rogue in Cranston costs an average of $3,102 per year, or about $259 per month, and has a range of $2,578 to $7,090.

Average 2024 Nissan Rogue insurance premiums in Cranston for different driver ages and risk scenarios.
Figure 4: Average 2024 Nissan Rogue insurance premiums in Cranston for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Cranston includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Cranston, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,090$591
Safe Driver Age 20$6,184$515
At-fault Accidents Age 40$4,390$366
Low Deductibles Age 40$3,990$333
Safe Driver Age 30$3,302$275
Safe Driver Age 40$3,102$259
Safe Driver Age 50$2,762$230
High Deductibles Age 40$2,638$220
Safe Driver Age 60$2,582$215
Discount Rate Age 40$2,578$215

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 27, 2025

The Nissan Rogue is considered a compact SUV, and other popular models in the same segment include the Chevrolet Equinox, Toyota RAV4, Ford Escape, and Mazda CX-5.

Honda Pilot insurance rates

In Cranston, Honda Pilot insurance averages $3,362 per year ($280 per month) and ranges from $2,792 to $7,770 per year.

Average 2024 Honda Pilot insurance premiums in Cranston for different driver ages and risk scenarios.
Figure 5: Average 2024 Honda Pilot insurance premiums in Cranston for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Cranston includes all Zip Codes and vehicle trim levels.

2024 Honda Pilot Insurance Cost in Cranston, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,770$648
Safe Driver Age 20$6,812$568
At-fault Accidents Age 40$4,758$397
Low Deductibles Age 40$4,448$371
Safe Driver Age 30$3,592$299
Safe Driver Age 40$3,362$280
Safe Driver Age 50$2,970$248
High Deductibles Age 40$2,808$234
Discount Rate Age 40$2,792$233
Safe Driver Age 60$2,786$232

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Pilot trim levels. Updated June 27, 2025

The Honda Pilot is considered a midsize SUV, and other models in that segment include the Kia Telluride, Jeep Grand Cherokee, and Toyota Highlander.

Toyota Camry insurance rates

In Cranston, Toyota Camry insurance costs an average of $3,710 per year (about $309 per month) and ranges from $3,084 to $8,528 per year.

Average 2024 Toyota Camry insurance premiums in Cranston for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Camry insurance premiums in Cranston for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Cranston includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Cranston, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$8,528$711
Safe Driver Age 20$7,472$623
At-fault Accidents Age 40$5,230$436
Low Deductibles Age 40$4,928$411
Safe Driver Age 30$3,966$331
Safe Driver Age 40$3,710$309
Safe Driver Age 50$3,276$273
High Deductibles Age 40$3,086$257
Discount Rate Age 40$3,084$257
Safe Driver Age 60$3,070$256

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 27, 2025

The Toyota Camry is classified as a midsize car, and additional similar models include the Honda Accord, Hyundai Sonata, Nissan Altima, and Kia K5.

Toyota Supra insurance rates

Toyota Supra insurance in Cranston averages $3,768 per year, or about $314 per month, and ranges from $2,914 to $8,052 annually.

Average 2021 Toyota Supra insurance premiums in Cranston for different driver ages and risk scenarios.
Figure 7: Average 2021 Toyota Supra insurance premiums in Cranston for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2021 model year Toyota Supra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Supra car insurance cost in Cranston includes all Zip Codes and vehicle trim levels.

2021 Toyota Supra Insurance Cost in Cranston, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$8,052$671
Safe Driver Age 20$7,052$588
At-fault Accidents Age 40$4,962$414
Low Deductibles Age 40$4,594$383
Safe Driver Age 30$3,744$312
Safe Driver Age 40$3,508$292
Safe Driver Age 50$3,108$259
High Deductibles Age 40$2,948$246
Discount Rate Age 40$2,914$243
Safe Driver Age 60$2,910$243

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2021 Toyota Supra trim levels. Updated June 27, 2025

The Toyota Supra is classified as a sports car, and other similar models include the Ford Mustang, Chevrolet Corvette, Nissan 370Z, and Chevrolet Camaro.

Tips for finding cheaper Cranston auto insurance

Cranston drivers should always be looking to pay less for insurance, so review the tips in the list below to see if you can save some money on your next policy.

  • Shop around and save. Taking 5-10 minutes before every policy renewal to get some free car insurance quotes can significantly reduce your monthly cost. Rates change frequently and you can switch companies very easily.
  • Stay claim free and save. Insurance companies offer discounts if you do not file any claims. Insurance should be used to protect you from significant claims, not minor claims that should be paid out-of-pocket.
  • Raise your credit score for cheaper rates. Having an excellent credit rating above 800 may save $542 per year when compared to a lower credit score of 670-739. Conversely, a credit score below 579 could cost as much as $628 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Your choice of occupation could save you a few bucks. Many insurance companies offer policy discounts for being employed in professions like doctors, emergency medical technicians, engineers, nurses, high school and elementary teachers, and others. By getting this discount, you may save between $104 and $336 on your yearly insurance cost, depending on the coverage levels.
  • Compare insurance cost before you buy the car. Different models, and even different trim levels of the same model, can have significantly different car insurance rates, and companies can sell coverages with widely varying rates. Check prices before you buy in order to avoid price shock when insuring your new vehicle.
  • Buy vehicles with cheaper insurance. The performance of the vehicle you drive has a big impact on the cost of insurance. For example, a Hyundai Venue costs $1,684 less per year to insure in Cranston than a Chevrolet Camaro. Choose cheaper models and save money.
  • Earn policy discounts to save money. Discounted rates may be available if the insured drivers are senior citizens, are good students, are military or federal employees, belong to certain professional organizations, choose electronic billing, or many other policy discounts which could save the average Cranston driver as much as $580 per year on car insurance.