Car Insurance in Cranston, RI – 2024 Rates + Cheapest to Insure

• Cranston car insurance rates average $2,884 per year for full coverage, or around $240 per month.
• For cheap car insurance in Cranston, compact crossovers and SUVs like the Chevrolet Trailblazer, Kia Soul, Mazda CX-5, and Volkswagen Tiguan have the best rates.
• Models with the cheapest auto insurance for their automotive segment include the Hyundai Ioniq 6, Nissan Titan, Toyota GR Corolla, Subaru Crosstrek, and Chevrolet Tahoe.

How much is car insurance in Cranston?

Average auto insurance cost in Cranston is $2,884 per year, which is 42% more than the national average rate of $1,883. The average cost per month for car insurance in Cranston is $240 for a full-coverage car insurance policy.

In the state of Rhode Island, the average car insurance expense is $2,326 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 $178 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.

In the chart above, the cost of car insurance in Cranston ranges from $2,398 per year for a 40-year-old driver who qualifies for a discount rate to $6,634 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 $200 to $553 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 – $10,278 per year or $857 per month
• 17-year-old driver – $9,957 per year or $830 per month
• 18-year-old driver – $8,924 per year or $744 per month
• 19-year-old driver – $8,126 per year or $677 per month
• 20-year-old driver – $5,808 per year or $484 per month
• 30-year-old driver – $3,078 per year or $257 per month
• 40-year-old driver – $2,884 per year or $240 per month
• 50-year-old driver – $2,558 per year or $213 per month
• 60-year-old driver – $2,396 per year or $200 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 $200 to $857 – 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 – $2,884 (Cranston average) compared to $1,883 (U.S. average)
• Car insurance with low deductibles costs more – A 50-year-old driver pays an average of $1,200 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 – $2,884 (Cranston average) compared to $2,326 (Rhode Island average)
• Car insurance is generally cheaper as you age – Average auto insurance rates for a 60-year-old driver in Cranston are $3,412 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 $195 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 $2,476 or less per year in Cranston.

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

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.

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 Hyundai Ioniq 6 costing $2,650 per year for a full coverage policy to the Tesla Model 3 costing $3,388 per year. In the midsize truck segment, average rates range from the Chevrolet Colorado at $2,468 per year to the Rivian R1T costing $3,600 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 $2,652 or less per year, or around $221 per month.

Rounding out the top 10 are cars like the Honda Accord, Kia K5, Chevrolet Malibu, and Toyota Prius, with average annual insurance rates of $2,798 per year or less.

Full-coverage car insurance in this segment for a safe driver can cost as low as $209 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 $2,506 per year. For midsize 2024 models, the Hyundai Ioniq 6 is cheapest to insure at $2,650 per year. And for full-size non-luxury cars, the Chrysler 300 is most affordable to insure at $2,738 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 $209 per month and ending with the Mazda 3 at $249 per month.

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 $2,132 per year, the Chevrolet Trailblazer at $2,170 per year, and the Kia Soul at $2,252 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 $2,366 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 Subaru Ascent cost between $2,366 and $2,512 per year to insure.

Full-coverage insurance in this segment for an average middle-age driver starts at an average of $178 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 $2,132 per year and ending with the Honda HR-V at $2,512 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 $2,566 per year, BMW 330i at $2,940 per year, Mercedes-Benz CLA250 at $2,970 per year, and Lexus IS 300 at $2,974 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 $3,034 per year or less.

On a monthly basis, auto insurance in this segment for the average driver will start around $214 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 $2,566 per year, or $214 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the best rates at $2,970 per year, or $248 per month. And for full-size luxury cars, the Audi A5 has the best rates at $3,416 per year, or $285 per month.

The table below ranks the cars with the cheapest car insurance rates in Cranston, starting with the Acura Integra at $2,566 per year ($214 per month) and ending with the Audi S3 at $3,236 per year ($270 per month).

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 $2,724 or less per year, or around $227 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 $2,782 per year or less.

From a monthly standpoint, auto insurance in this segment for a safe driver can cost as low as $201 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 $2,412 per year. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $2,696 per year. And for large luxury SUV models, the Infiniti QX80 has the most affordable rates at $3,236 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 $2,412 per year and ending with the Lexus NX 350 at $2,894 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 $2,798 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 $2,968 per year or less.

From a monthly standpoint, car insurance in this segment starts at around $206 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 $2,468 per year ($206 per month) and ending with the Ram Truck at $3,338 per year ($278 per month).

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 $2,670 per year, Toyota GR86 at $3,040 per year, Ford Mustang at $3,170 per year, and BMW Z4 at $3,188 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 $3,448 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 $3,448 and $4,886 per year for auto insurance.

Full-coverage insurance in this segment for the average driver starts at an average of $223 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 $223 per month and ending with the Porsche Taycan at $407 per month.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Rhode Island.

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 $2,810 per year, or about $234 per month, and varies from $2,332 to $6,444.

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 $2,594 per year, or about $216 per month, and has a range of $2,156 to $5,926.

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 $2,810 per year ($234 per month) and ranges from $2,336 to $6,494 per year.

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 $3,102 per year (about $259 per month) and ranges from $2,578 to $7,128 per year.

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 $3,150 per year, or about $263 per month, and ranges from $2,434 to $6,734 annually.

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 $453 per year when compared to a lower credit score of 670-739. Conversely, a credit score below 579 could cost as much as $525 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 $87 and $280 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 $1,406 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 $486 per year on car insurance.