Car Insurance in Pawtucket, RI – 2025 Cheapest Rates + Averages

• Average car insurance cost in Pawtucket is $3,302 per year, or about $275 per month.
• For cheap car insurance in Pawtucket, small SUV models like the Volkswagen Tiguan, Buick Envision, and Chevrolet Trailblazer rank well for overall auto insurance cost.
• Vehicles with segment-leading car insurance rates in Pawtucket include the Mercedes-Benz CLA250, Toyota GR Corolla, Nissan Titan, and Acura RDX.
• Auto insurance quotes in Pawtucket have significant variability from as low as $26 per month for just liability insurance to over $688 per month for drivers with poor driving records.

What is average car insurance cost in Pawtucket, RI?

In Pawtucket, average car insurance cost is $3,302 per year, which is 39.1% more than the overall U.S. national average rate of $2,221. Per month, Pawtucket drivers can expect to pay an average of $275 for a policy with full coverage.

In the state of Rhode Island, average auto insurance cost is $2,892 per year, so the average cost in Pawtucket is $410 more per year. When rates are compared to other locations in Rhode Island, the cost to insure a car in Pawtucket is approximately $290 per year more expensive than in Warwick, $324 per year cheaper than in Providence, and $148 per year less than in Cranston.

The next chart shows average auto insurance cost in Pawtucket broken out for both different driver ages and physical damage deductibles. Rates are averaged for all 2024 vehicle models including luxury models.

Average car insurance rates in the chart range from $2,318 per year for a policy with high deductibles for a 60-year-old driver to $7,724 per year for a 20-year-old driver with low physical damage deductibles.

When that data is converted to a monthly rate, the average cost of car insurance per month in Pawtucket ranges from $193 to $644.

Car insurance rates can have a wide range and are impacted by many factors. Since there can be such a large difference in rates, it emphasizes the need for multiple auto insurance quotes when shopping around for the cheapest car insurance policy.

The age of the driver is one of the biggest factors in determining the price of auto insurance, so the list below details how driver age influences cost by breaking down average car insurance rates in Pawtucket for drivers from age 16 to 60.

Average cost of car insurance in Pawtucket, Rhode Island, for drivers age 16 to 60

• 16-year-old rated driver – $11,760 per year or $980 per month
• 17-year-old rated driver – $11,390 per year or $949 per month
• 18-year-old rated driver – $10,207 per year or $851 per month
• 19-year-old rated driver – $9,296 per year or $775 per month
• 20-year-old rated driver – $6,644 per year or $554 per month
• 30-year-old rated driver – $3,524 per year or $294 per month
• 40-year-old rated driver – $3,302 per year or $275 per month
• 50-year-old rated driver – $2,926 per year or $244 per month
• 60-year-old rated driver – $2,740 per year or $228 per month

The rates in the list above for teenage drivers were based on the rated driver being male. The chart below illustrates average car insurance cost for teenagers in Pawtucket, RI, by gender. For the most part, female drivers tend to pay less for auto insurance, especially ages 16 to 19.

Car insurance for a 16-year-old female driver in Pawtucket costs an average of $777 less per year than the cost for a 16-year-old male driver, while at age 19, the cost difference is smaller but males still pay $1,435 more per year.

Models that are popular in Pawtucket tend to be compact and midsize sedans like the Honda Civic and Honda Accord and compact or midsize SUVs like the Nissan Rogue, Toyota RAV4, and Toyota Highlander.

Some additional popular models in Pawtucket from other vehicle segments include luxury cars like the Lexus ES 350, Infiniti Q50, and Tesla Model S, luxury SUVs like the Acura MDX, Infiniti QX60, and Cadillac XT5, and pickup trucks like the Ford Ranger, Toyota Tacoma, and Ford F-150.

We explore rates for many more vehicles coming up in the article, but before we get into those numbers, let’s make a quick review of the key concepts and comparisons we tackled so far in the article.

• Monthly car insurance cost ranges from $228 to $980 – That is the average car insurance price range for insured drivers age 16 to 60 in Pawtucket, RI.
• Car insurance gets more affordable the older you are – Average rates for a 50-year-old driver in Pawtucket are $3,718 per year cheaper than for a 20-year-old driver.
• Low deductible car insurance costs more – A 40-year-old driver pays an average of $1,072 more per year for $250 deductibles compared to $1,000 deductibles.
• Pawtucket auto insurance rates are more expensive than the Rhode Island state average – $3,302 (Pawtucket average) compared to $2,892 (Rhode Island average)
• Pawtucket, Rhode Island, car insurance cost is more than the U.S. average – $3,302 (Pawtucket average) compared to $2,221 (U.S. average)
• Car insurance for teenagers can be expensive – Average cost can range from $7,861 to $11,760 per year for car insurance for teens in Pawtucket.

Which autos have cheap car insurance in Pawtucket?

The vehicles with the most affordable auto insurance rates in Pawtucket tend to be compact SUVs like the Kia Soul, Subaru Crosstrek, Hyundai Venue, and Toyota Corolla Cross.

Average auto insurance quotes for those small SUVs cost $239 or less per month for full coverage car insurance.

Other models that have very good insurance prices in our car insurance cost comparison are the Acura RDX, Ford Bronco Sport, Volkswagen Taos, and Honda CR-V. Insurance rates are marginally higher for those models than the crossover SUVs that rank at the top, but they still have an average cost of $3,077 or less per year, or about $256 per month in Pawtucket.

The following table shows the 20 car, truck, and SUV models with the cheapest auto insurance in Pawtucket, sorted by annual and monthly insurance cost.

A table showing 20 vehicle rankings is great if you just want the lowest rates. But considering we track over 700 vehicles, there is a lot of rate data no being shown. Let’s rethink this, dig deeper, and show the models with the cheapest rates in Pawtucket in a format that makes more sense, by automotive segment.

This next article section showcases the average cost to insure each different vehicle segment. The rates shown in the chart should provide a decent understanding of which types of vehicles have the overall best average auto insurance rates. Then the sections after the chart break out and rank the most affordable auto insurance for the most popular automotive segments.

Average insurance rates by automotive segment

If you’re shopping for a new or used vehicle, it’s a good idea to have a basic understanding of which categories of vehicles are cheaper to insure. For instance, maybe you want to know if SUVs cost less to insure than minivans or if luxury cars have more affordable insurance than luxury SUVs.

The next chart shows average car insurance cost by vehicle segment in Pawtucket. From a segment comparison perspective, small SUVs, vans, and midsize pickups tend to have the least expensive rates, with luxury, performance, and sports cars having the most expensive overall car insurance rates.

Rates by automotive segment are accurate enough for general comparisons, but auto insurance cost varies quite significantly within each of the segments displayed in the above chart.

For example, in the small SUV segment, Pawtucket auto insurance rates range from the Subaru Crosstrek costing $2,440 per year to the Ford Mustang Mach-E costing $3,860 per year. In the large SUV segment, the average cost of insurance ranges from the Chevrolet Tahoe at $3,102 per year up to the Toyota Sequoia costing $4,132 per year.

In the next sections, we eliminate much of the variability by analyzing the cost of car insurance in Pawtucket for specific vehicles rather than by segments.

Cheapest cars to insure in Pawtucket, RI

In our comparison, the top five cheapest sedans and hatchbacks to insure in Pawtucket are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Auto insurance rates for these models range from $2,870 to $3,034 per year.

Other cars that have affordable insurance rates are the Honda Accord, Toyota Corolla, Toyota Prius, and Kia K5, with average rates of $3,216 per year or less.

Some additional 2024 models that rank well include the Nissan Versa, Toyota Crown, Volkswagen Arteon, Volkswagen Jetta, and Hyundai Ioniq 6, which cost between $3,216 and $3,414 per year for auto insurance in Pawtucket.

On a monthly basis, auto insurance rates on this segment in Pawtucket for an average middle-age driver starts at around $239 per month, depending on your location and insurance company.

If vehicle size is considered, the cheapest compact car to insure in Pawtucket is the Toyota GR Corolla at $2,870 per year. For midsize cars, the Kia K5 is the cheapest model to insure at $3,180 per year. And for large cars, the Chrysler 300 is the cheapest model to insure at $3,144 per year.

The table below ranks the twenty cars with the cheapest car insurance rates in Pawtucket.

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

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

Cheapest SUVs to insure in Pawtucket, RI

For 2024 models, the five most affordable SUVs to insure in Pawtucket are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Average rates for for these five models range from $2,440 to $2,632 per year.

Also ranking in the top 10 are models like the Toyota Corolla Cross, Buick Envision, Hyundai Venue, and Mazda CX-5, with an average cost of $2,704 per year or less.

Full-coverage car insurance for this segment in Pawtucket for a good driver will start around $203 per month, depending on where you live.

The comparison table below ranks the SUVs with the cheapest average insurance rates in Pawtucket, starting with the Subaru Crosstrek at $2,440 per year ($203 per month) and ending with the Subaru Ascent at $2,874 per year ($240 per month).

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

Is your SUV not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Pawtucket car insurance quotes from top auto insurance companies in Rhode Island.

Cheapest luxury car insurance rates

Taking the top spot in Pawtucket for cheapest insurance in the luxury sedan segment is the Acura Integra, at $2,936 per year. Second place is the BMW 330i at $3,362 per year, the third most affordable is the Mercedes-Benz CLA250, at an average of $3,398 per year, and the fourth most affordable is the Lexus IS 300, at an average of $3,404 per year.

Not the cheapest luxury cars to insure, but still affordable, are luxury cars like the Lexus ES 350, Genesis G70, Cadillac CT4, and Mercedes-Benz AMG CLA35, with average rates of $3,472 per year or less.

Ranked between 10th and 20th place, cars like the Audi S3, BMW 228i, Jaguar XF, Lexus RC 350, Lexus ES 300h, and BMW 330e cost between $3,472 and $3,702 per year for insurance.

Full-coverage car insurance for this segment in Pawtucket for a safe driver can cost as low as $245 per month, depending on the company.

The next table ranks the twenty luxury cars with the lowest-cost insurance rates in Pawtucket.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

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

Cheapest luxury SUV insurance rates

Taking the top spot in Pawtucket for cheapest average insurance rates in the luxury SUV segment is the Acura RDX, at an average of $2,760 per year. Second place is the Lexus NX 250 at $2,922 per year, ranking third is the Cadillac XT4, at an average of $2,982 per year, and fourth place goes to the Jaguar E-Pace, costing an average of $3,088 per year.

Not the cheapest in the list, but still ranking well, are luxury SUVs like the Lincoln Corsair, Lexus UX 250h, Lexus NX 450h, and Mercedes-Benz GLB 250, with an average cost of $3,184 per year or less.

On a monthly basis, full-coverage insurance on this segment in Pawtucket starts at around $230 per month, depending on your location. The comparison table below ranks the twenty SUVs with the most affordable car insurance rates in Pawtucket, starting with the Acura RDX at $2,760 per year ($230 per month) and ending with the Lexus RX 350 at $3,314 per year ($276 per month).

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see your luxury SUV in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Pawtucket car insurance quotes from top-rated companies in Rhode Island.

Cheapest sports cars to insure

The four most affordable sports cars to insure in Pawtucket are the Mazda MX-5 Miata at $3,058 per year, Toyota GR86 at $3,480 per year, Ford Mustang at $3,628 per year, and BMW Z4 at $3,648 per year.

Rounding out the top 10 are models like the BMW M2, Toyota GR Supra, Nissan Z, and Subaru BRZ, with average annual insurance rates of $3,946 per year or less.

Some additional models that made the list include the BMW M4, Porsche Taycan, Chevrolet Camaro, Lexus LC 500, and Mercedes-Benz AMG GT53, which average between $3,946 and $5,592 per year to insure.

Car insurance rates for this segment in Pawtucket starts at an average of $255 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 in Pawtucket, starting with the Mazda MX-5 Miata at $3,058 per year and ending with the Porsche Taycan at $5,592 per year.

Looking for a different vehicle? Not a 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 companies in Pawtucket.

Cheapest pickup truck insurance rates

The four most affordable pickups to insure in Pawtucket are the Chevrolet Colorado at $2,908 per year, Nissan Titan at $3,088 per year, Nissan Frontier at $3,122 per year, and Ford Ranger at $3,154 per year.

Not the cheapest pickups to insure, but still very reasonable, are trucks like the GMC Sierra 2500 HD, Hyundai Santa Cruz, GMC Canyon, and Honda Ridgeline, with average rates of $3,396 per year or less.

Auto insurance rates for this segment in Pawtucket for a safe driver can cost as low as $242 per month, depending on the company.

The rate comparison table below ranks the twenty pickups with the most affordable car insurance in Pawtucket, starting with the Chevrolet Colorado at $2,908 per year ($242 per month) and ending with the Ram Truck at $3,818 per year ($318 per month).

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

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

Prices vary based on driver risk

In order to reinforce the concept of the amount auto insurance premiums can vary between drivers, the charts below contain multiple rates for three popular models in Pawtucket: the Ford F150, Toyota RAV4, and Toyota Highlander.

The example for each vehicle displays average rates for different profiles to show the potential cost difference when changes are made to the driver rated on the policy.

Ford F150 insurance rates

Ford F150 insurance in Pawtucket averages $3,694 per year, or around $308 per month, and ranges from $3,062 to $8,532 annually for the driver examples in the insurance cost chart shown below.

The Ford F150 belongs to the full-size truck segment, and other popular models include the Chevrolet Silverado, GMC Sierra, and Nissan Titan.

Toyota RAV4 insurance rates

Insurance for a Toyota RAV4 in Pawtucket averages $3,044 per year (about $254 per month) and has a range of $2,530 to $7,004 per year.

The Toyota RAV4 is a compact SUV, and other models in the same segment include the Honda CR-V, Ford Escape, and Chevrolet Equinox.

Toyota Highlander insurance rates

Insurance for a Toyota Highlander in Pawtucket averages $3,004 per year, or around $250 per month, and varies from $2,498 to $6,866 per year for the driver characteristics in the insurance cost chart shown below.

The Toyota Highlander is part of the midsize SUV segment, and other similar models that are popular in Pawtucket include the Honda Pilot, Kia Sorento, Ford Edge, and Jeep Grand Cherokee.

Tips for finding cheap Pawtucket car insurance quotes

Financially savvy drivers in Pawtucket are often looking to pay less for auto insurance, so scan the tips in the list below and maybe you’ll find a way to save a few bucks on your next policy purchase.

• Compare rates before you buy the car. Different cars, and even different trim levels of the same car, can have very different insurance premiums, and insurance companies charge widely varying rates. Check rates before you buy a different car in order to avoid price shock when you get your insurance bill.
• Your occupation could lower your rates. Just about all car insurance companies offer policy discounts for certain occupations like doctors, nurses, lawyers, firefighters, police officers and law enforcement, and others. If you can earn this discount, you could potentially save between $99 and $321 on your yearly car insurance bill, subject to policy limits.
• Fewer accidents means cheaper auto insurance. Multiple at-fault accidents raise rates, to the tune of $1,594 per year for a 30-year-old driver and even as much as $996 per year for a 50-year-old driver. So drive safe and save money!
• Improve your credit rating to save on insurance. Having an excellent credit score over 800 could save up to $518 per year over a credit rating of 670-739. Conversely, a mediocre credit rating could cost as much as $601 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Tickets and violations cost money. To get cheap auto insurance in Pawtucket, it’s necessary to avoid traffic citations. Not surprisingly, just one or two minor traffic citations could result in raising rates by up to $876 per year.