Cost of Car Insurance in Warwick, RI – 2025 Rates + Comparisons

Which cars, trucks and SUVs have cheap car insurance in Warwick, RI? We rank over 150 vehicle models to find the most affordable rates.

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  • Average car insurance cost in Warwick is $3,012 per year, or around $251 per month.
  • Monthly auto insurance rates for a few popular models in Warwick include the Mazda CX-5 at $205, Toyota RAV4 at $232, and Chevrolet Equinox at $231.
  • Small crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Hyundai Venue are the top picks for cheap car insurance in Warwick.
  • A few models with the most affordable car insurance for their automotive segment include the Mercedes-Benz CLA250 ($3,100 per year), Acura RDX ($2,520 per year), Chevrolet Colorado ($2,656 per year), and Acura Integra ($2,678 per year).
  • Car insurance quotes in Warwick can range from as little as $33 per month for liability-only insurance to well over $675 per month for teens and other high-risk drivers.

How much does Warwick car insurance cost?

Average car insurance rates in Warwick cost $3,012 per year, or approximately $251 per month. When compared to the U.S. average rate, Warwick car insurance cost is 30.2% more expensive per year.

The average car insurance expense in Rhode Island is $2,892 per year, so Warwick, Rhode Island, drivers pay an average of $120 more per year than the overall Rhode Island state-wide average rate. The cost of car insurance in Warwick compared to other Rhode Island cities is around $166 per year cheaper than in East Providence, $290 per year cheaper than in Pawtucket, and $438 per year less than in Cranston.

Driver age is one of the biggest determining factors on the price you pay for car insurance. The list below illustrates these differences by showing average car insurance rates in Warwick for drivers from 16 to 60.

Average car insurance rates in Warwick for drivers age 16 to 60

  • 16 year old – $10,730 per year or $894 per month
  • 17 year old – $10,394 per year or $866 per month
  • 18 year old – $9,314 per year or $776 per month
  • 19 year old – $8,484 per year or $707 per month
  • 20 year old – $6,062 per year or $505 per month
  • 30 year old – $3,214 per year or $268 per month
  • 40 year old – $3,012 per year or $251 per month
  • 50 year old – $2,670 per year or $223 per month
  • 60 year old – $2,500 per year or $208 per month

The chart below summarizes auto insurance cost in Warwick for different common policy situations. Rates are averaged for all Warwick Zip Codes and shown based on an assortment of driver ages, policy deductibles, and potential risk scenarios.

Average car insurance rates in Warwick for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Warwick 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 Warwick includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Warwick, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,930$578
Safe Driver Age 20$6,062$505
At-fault Accidents Age 40$4,268$356
Low Deductibles Age 40$3,942$329
Safe Driver Age 30$3,214$268
Safe Driver Age 40$3,012$251
Safe Driver Age 50$2,670$223
High Deductibles Age 40$2,532$211
Discount Rate Age 40$2,502$209
Safe Driver Age 60$2,500$208

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

Average rates in the chart above range from $2,502 per year for a 40-year-old driver who qualifies for a great discount rate to $6,930 per year for a 20-year-old driver with a lot of violations and accidents. The average rate we use for comparing different vehicles or locations is the 40-year-old safe driver rate, which has an average cost of $3,012 per year.

As a monthly price, car insurance cost in Warwick ranges from $209 to $578 for the risk profiles shown in the chart above.

The prior auto insurance rates are an average for all 2024 vehicle models, which is helpful when making broad comparisons like the average cost difference between two Rhode Island cities. Average car insurance rates are excellent when trying to find the answer to questions like “is auto insurance in Warwick cheaper than Providence?” or “are Rhode Island auto insurance rates cheaper than in Arizona?”.

For more accurate car insurance rate comparisons, however, we get better data if we look at the exact vehicle being insured. Every car, truck, SUV and minivan has it’s own exposure profile for liability and physical damage claims, and this data allows us to perform detailed comparisons.

The next list breaks down average insurance rates for both annual and monthly policy terms in Warwick for some of the more popular vehicles. Later on in this article, we take a look at the cost of insurance for some of these models in more detail.

Auto insurance cost for popular Warwick vehicles

In Warwick, which vehicles have the cheapest auto insurance rates?

When rates are compared for all vehicles, the models with the best car insurance prices in Warwick, RI, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Buick Envision. Average car insurance quotes for those compact SUVs cost $204 or less per month to get full coverage.

Some additional vehicles that have affordable auto insurance quotes in our car insurance price comparison are the Volkswagen Taos, Acura RDX, Honda HR-V, and Subaru Outback. Insurance rates are somewhat higher for those models than the compact SUVs at the top of the rankings, but they still have average rates of $2,622 or less per year ($219 per month) in Warwick.

The next table details the 30 cheapest vehicles to insure in Warwick, ordered by annual cost.

Cheapest Car Insurance Rates in Warwick
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,162$180
2Chevrolet Trailblazer$2,204$184
3Kia Soul$2,288$191
4Nissan Kicks$2,308$192
5Honda Passport$2,332$194
6Buick Envision$2,344$195
7Toyota Corolla Cross$2,360$197
8Hyundai Venue$2,384$199
9Mazda CX-5$2,384$199
10Ford Bronco Sport$2,400$200
11Volkswagen Tiguan$2,420$202
12Acura RDX$2,446$204
13Nissan Murano$2,460$205
14Buick Encore$2,488$207
15Subaru Outback$2,492$208
16Honda CR-V$2,496$208
17Buick Envista$2,508$209
18Volkswagen Taos$2,512$209
19Kia Niro$2,522$210
20Toyota GR Corolla$2,538$212
21Subaru Ascent$2,544$212
22Honda HR-V$2,552$213
23Nissan Leaf$2,568$214
24Chevrolet Colorado$2,580$215
25Lexus NX 250$2,586$216
26Honda Civic$2,592$216
27Volkswagen Atlas$2,592$216
28Subaru Forester$2,602$217
29Volkswagen Atlas Cross Sport$2,602$217
30Acura Integra$2,604$217

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 Warwick, RI Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Warwick, RI with the Subaru Crosstrek ranking first at $2,162 per year
Top 30 cheapest vehicles to insure in Warwick, RI with the Subaru Crosstrek ranking first at $2,162 per year

A list of 30 ranked vehicles is great if you just want the lowest rates. But considering we track over 700 vehicles, only about 4% of vehicles are displayed. Let’s dig a little deeper into the data and list the models with the lowest rates differently, by segment.

The section below details the cost of insurance based on different automotive segments. The rates shown in the chart will give you a good foundation of the vehicle segments that have the overall least expensive Warwick car insurance rates. The sections after the chart break out and rank the cheapest insurance rates for specific models in each unique segment.

Warwick car insurance rates by automotive segment

If you’re shopping for a new or used vehicle, it’s important to have a basic understanding of which categories of vehicles have less expensive auto insurance rates in Warwick.

To illustrate this, you may be curious if compact SUVs have cheaper insurance than minivans or if luxury models are more expensive to insure than regular vehicles.

The next chart shows average auto insurance rates in Warwick for different vehicle segments. In general, compact SUVs, midsize trucks, and minivans tend to have the best rates, while exotic models have the highest average cost of insurance.

Car insurance average cost by automotive segment in Warwick, RI.
Figure 2: Car insurance average cost by automotive segment in Warwick, RI. Rates updated on June 27, 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 Warwick Zip Codes.

Car Insurance Rates by Automotive Segment in Warwick, RI
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,770$231
Midsize SUV$2,974$248
Compact Car$2,978$248
Minivan$2,980$248
Midsize Pickup$3,042$254
Midsize Car$3,072$256
Compact Luxury SUV$3,266$272
Compact Luxury Car$3,312$276
Large SUV$3,324$277
Half-ton Pickup$3,338$278
Heavy Duty Pickup$3,464$289
Midsize Luxury SUV$3,578$298
Midsize Luxury Car$3,696$308
Sports Car$4,142$345
Large Car$4,332$361
Large Luxury SUV$4,664$389
Large Luxury Car$4,816$401

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 Warwick, RI Zip Codes. Updated June 27, 2025

Segment rates can be used for making an overall comparison, but insurance rates for specific models range greatly within each vehicle category displayed in the previous chart.

For example, in the midsize car segment, Warwick insurance rates range from the Kia K5 at $2,904 per year for full coverage insurance to the Tesla Model 3 costing $3,538 per year. In the large luxury SUV segment, insurance rates range from the Infiniti QX80 at $3,376 per year to the Mercedes-Benz G63 AMG costing $6,476 per year.

In the next sections, we reduce this variability by looking at auto insurance cost in Warwick from a model perspective rather than by segment.

Cheapest car insurance rates in Warwick

The #1 ranking in Warwick for cheapest average insurance in the car segment is the Toyota GR Corolla, costing an average of $2,618 per year. Second place is the Nissan Leaf at $2,640 per year, and the third cheapest is the Honda Civic, costing an average of $2,668 per year.

Not the cheapest to insure, but still ranked well, are cars like the Honda Accord, Toyota Prius, Kia K5, and Chevrolet Malibu, with an average car insurance cost of $2,934 per year or less.

Full-coverage auto insurance in this segment for a middle-age safe driver starts at around $218 per month, depending on where you live.

The next table ranks the twenty cars with the cheapest car insurance in Warwick, starting with the Toyota GR Corolla at $218 per month and ending with the Mazda 3 at $260 per month.

Cheapest Insurance for Cars in Warwick, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,618$218
Nissan LeafCompact$2,640$220
Honda CivicCompact$2,668$222
Nissan SentraCompact$2,762$230
Subaru ImprezaCompact$2,770$231
Toyota PriusCompact$2,816$235
Kia K5Midsize$2,904$242
Honda AccordMidsize$2,912$243
Chevrolet MalibuMidsize$2,922$244
Toyota CorollaCompact$2,934$245
Kia ForteCompact$2,942$245
Volkswagen ArteonMidsize$2,960$247
Nissan VersaCompact$2,968$247
Subaru LegacyMidsize$2,974$248
Hyundai Ioniq 6Midsize$2,996$250
Mitsubishi Mirage G4Compact$3,040$253
Toyota CrownMidsize$3,048$254
Volkswagen JettaCompact$3,048$254
Hyundai SonataMidsize$3,052$254
Mazda 3Compact$3,116$260

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 Warwick, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Warwick, RI, with the Toyota GR Corolla ranking first at $2,618 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Warwick, RI, with the Toyota GR Corolla ranking first at $2,618 per year.

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

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

Cheapest SUV insurance rates in Warwick

The four top-ranked non-luxury SUVs with the cheapest insurance in Warwick are the Subaru Crosstrek at $2,226 per year, Chevrolet Trailblazer at $2,264 per year, Kia Soul at $2,352 per year, and Nissan Kicks at $2,372 per year.

Some other SUVs that have cheaper rates include the Hyundai Venue, Ford Bronco Sport, Buick Envision, and Mazda CX-5, with an average cost to insure of $2,468 per year or less.

Ranked in the lower half of the top 20, SUVs like the Kia Niro, Volkswagen Taos, Subaru Ascent, Honda HR-V, and Buick Envista average between $2,468 and $2,624 per year for full-coverage insurance.

Auto insurance in Warwick for this segment for a safe driver will start around $186 per month, depending on the company and where you live. The comparison table below ranks the SUVs with the lowest-cost average insurance rates in Warwick, starting with the Subaru Crosstrek at $2,226 per year and ending with the Subaru Ascent at $2,624 per year.

Cheapest Insurance for SUVs in Warwick, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,226$186
Chevrolet TrailblazerCompact$2,264$189
Kia SoulCompact$2,352$196
Nissan KicksCompact$2,372$198
Honda PassportMidsize$2,402$200
Buick EnvisionCompact$2,414$201
Toyota Corolla CrossCompact$2,428$202
Hyundai VenueCompact$2,446$204
Mazda CX-5Compact$2,456$205
Ford Bronco SportCompact$2,468$206
Volkswagen TiguanCompact$2,494$208
Nissan MuranoMidsize$2,532$211
Buick EncoreCompact$2,558$213
Subaru OutbackMidsize$2,566$214
Honda CR-VCompact$2,568$214
Buick EnvistaMidsize$2,578$215
Volkswagen TaosCompact$2,582$215
Kia NiroCompact$2,592$216
Honda HR-VCompact$2,622$219
Subaru AscentMidsize$2,624$219

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 Warwick, RI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Warwick, RI, with the Subaru Crosstrek ranking first at $2,226 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Warwick, RI, with the Subaru Crosstrek ranking first at $2,226 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see your vehicle? No problem! 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 companies in Rhode Island.

Cheapest luxury cars to insure in Warwick

The Acura Integra ranks #1 as the cheapest luxury car to insure in Warwick, followed closely by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model averages $2,678 per year for a policy with full coverage.

Other luxury cars that have affordable average insurance rates include the Lexus ES 350, Cadillac CT4, Lexus RC 300, and Genesis G70, with an average cost to insure of $3,166 per year or less.

Full-coverage auto insurance for this segment in Warwick for a middle-age safe driver can cost as low as $223 per month, depending on your company and location.

The lowest-cost small luxury car to insure in Warwick is the Acura Integra at $2,678 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $3,100 per year. And for full-size models, the Audi A5 has the best rates at $3,582 per year.

The rate comparison table below ranks the twenty luxury cars with the most affordable average auto insurance rates in Warwick, starting with the Acura Integra at $2,678 per year and ending with the Audi S3 at $3,376 per year.

Cheapest Insurance for Luxury Cars in Warwick, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,678$223
BMW 330iCompact$3,066$256
Mercedes-Benz CLA250Midsize$3,100$258
Lexus IS 300Midsize$3,106$259
Acura TLXCompact$3,116$260
Lexus ES 350Midsize$3,144$262
Cadillac CT4Compact$3,146$262
Genesis G70Compact$3,154$263
Mercedes-Benz AMG CLA35Midsize$3,158$263
Lexus RC 300Midsize$3,166$264
Lexus IS 350Compact$3,178$265
Jaguar XFMidsize$3,186$266
Cadillac CT5Midsize$3,248$271
Lexus ES 250Midsize$3,260$272
Lexus RC 350Compact$3,268$272
BMW 330eCompact$3,272$273
BMW 228iCompact$3,278$273
BMW 230iCompact$3,304$275
Lexus ES 300hMidsize$3,308$276
Audi S3Compact$3,376$281

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 Warwick, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Warwick, RI, with the Acura Integra ranking first at $2,678 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Warwick, RI, with the Acura Integra ranking first at $2,678 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Warwick car insurance quotes from top car insurance companies in Rhode Island.

Cheapest luxury SUVs to insure in Warwick

The #1 ranking in Warwick for the most affordable average insurance rates in the luxury SUV segment is the Acura RDX, costing an average of $2,520 per year. Second place is the Lexus NX 250 costing $2,666 per year, and the third most affordable is the Cadillac XT4, costing an average of $2,720 per year.

Additional luxury SUVs that have affordable insurance rates include the Lexus NX 450h, Lexus NX 350h, Lincoln Corsair, and Mercedes-Benz GLB 250, with an average cost of $2,904 per year or less.

As a cost per month, full-coverage car insurance in Warwick on this segment for an average middle-age driver can cost as low as $210 per month, depending on the company and your location.

If vehicle size is considered, the cheapest compact luxury SUV to insure in Warwick is the Acura RDX at $2,520 per year. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $2,818 per year. And for full-size luxury SUVs, the Infiniti QX80 is cheapest to insure at $3,376 per year.

The rate comparison table below ranks the luxury SUVs with the lowest-cost insurance rates in Warwick.

Cheapest Insurance for Luxury SUVs in Warwick, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,520$210
Lexus NX 250Compact$2,666$222
Cadillac XT4Compact$2,720$227
Jaguar E-PaceMidsize$2,818$235
Cadillac XT5Midsize$2,842$237
Lexus NX 350hCompact$2,842$237
Lincoln CorsairCompact$2,878$240
Mercedes-Benz GLB 250Compact$2,882$240
Lexus UX 250hCompact$2,888$241
Lexus NX 450hCompact$2,904$242
Infiniti QX50Midsize$2,926$244
Mercedes-Benz GLA250Compact$2,938$245
Cadillac XT6Midsize$2,948$246
Mercedes-Benz GLA35 AMGCompact$2,948$246
Infiniti QX60Midsize$2,964$247
Mercedes-Benz AMG GLB35Midsize$2,968$247
Land Rover EvoqueCompact$3,006$251
Acura MDXMidsize$3,010$251
Lexus NX 350Compact$3,022$252
Lexus RX 350Midsize$3,024$252

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 Warwick, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Warwick, RI, with the Acura RDX ranking first at $2,520 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Warwick, RI, with the Acura RDX ranking first at $2,520 per year.

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

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

Cheapest pickup truck insurance rates in Warwick

The four highest ranking pickups with the most affordable insurance rates in Warwick are the Chevrolet Colorado at $2,656 per year, Nissan Titan at $2,818 per year, Nissan Frontier at $2,846 per year, and Ford Ranger at $2,880 per year.

Other models that have affordable insurance rates are the GMC Canyon, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Honda Ridgeline, with average rates of $3,100 per year or less.

As a cost per month, full-coverage insurance in Warwick on this segment for a safe driver can cost as low as $221 per month, depending on where you live.

The rate comparison table below ranks the pickups with the cheapest average car insurance rates in Warwick, starting with the Chevrolet Colorado at $2,656 per year and ending with the Ram Truck at $3,484 per year.

Cheapest Insurance for Pickups in Warwick, RI
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,656$221
Nissan TitanFull-size$2,818$235
Nissan FrontierMidsize$2,846$237
Ford RangerMidsize$2,880$240
Ford MaverickMidsize$2,920$243
Honda RidgelineMidsize$2,990$249
Hyundai Santa CruzMidsize$3,042$254
Toyota TacomaMidsize$3,050$254
GMC Sierra 2500 HDHeavy Duty$3,066$256
GMC CanyonMidsize$3,100$258
Jeep GladiatorMidsize$3,174$265
GMC Sierra 3500Heavy Duty$3,194$266
Chevrolet Silverado HD 3500Heavy Duty$3,218$268
Chevrolet Silverado HD 2500Heavy Duty$3,306$276
GMC SierraFull-size$3,328$277
Chevrolet SilveradoFull-size$3,330$278
Nissan Titan XDHeavy Duty$3,332$278
Ford F150Full-size$3,370$281
GMC Hummer EV PickupFull-size$3,458$288
Ram TruckFull-size$3,484$290

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 Warwick, RI Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Warwick, RI, with the Chevrolet Colorado ranking first at $2,656 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Warwick, RI, with the Chevrolet Colorado ranking first at $2,656 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Is your pickup truck not in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Rhode Island.

Cheapest sports cars to insure in Warwick, Rhode Island

Ranking #1 in Warwick for cheapest average insurance rates in the sports car segment is the Mazda MX-5 Miata, with a cost of $2,786 per year. Second place is the Toyota GR86 at $3,174 per year, and ranking third is the Ford Mustang, costing an average of $3,310 per year.

Not the cheapest in the list, but still ranking well, are cars like the Nissan Z, Lexus RC F, Subaru BRZ, and BMW M2, with average annual insurance rates of $3,602 per year or less.

Ranking between positions 10 and 20, cars like the Porsche Taycan, Jaguar F-Type, Chevrolet Camaro, Porsche 911, BMW M3, and BMW M4 average between $3,602 and $5,104 per year for auto insurance in Warwick.

Full-coverage insurance for this segment in Warwick for an average middle-age driver starts at around $232 per month, depending on the company.

The table below ranks the twenty sports cars with the lowest-cost average insurance rates in Warwick, starting with the Mazda MX-5 Miata at $2,786 per year ($232 per month) and ending with the Porsche Taycan at $5,104 per year ($425 per month).

Cheapest Insurance for Sports Cars in Warwick, RI
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,786$232
Toyota GR86Sports Car$3,174$265
Ford MustangSports Car$3,310$276
BMW Z4Sports Car$3,330$278
Subaru WRXSports Car$3,376$281
Toyota GR SupraSports Car$3,386$282
BMW M2Sports Car$3,484$290
Nissan ZSports Car$3,492$291
Lexus RC FSports Car$3,560$297
Subaru BRZSports Car$3,602$300
BMW M3Sports Car$3,806$317
Porsche 718Sports Car$3,880$323
Chevrolet CamaroSports Car$3,914$326
Chevrolet CorvetteSports Car$4,176$348
Porsche 911Sports Car$4,316$360
BMW M4Sports Car$4,494$375
Lexus LC 500Sports Car$4,518$377
Jaguar F-TypeSports Car$4,754$396
Mercedes-Benz AMG GT53Sports Car$4,986$416
Porsche TaycanSports Car$5,104$425

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 Warwick, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Warwick, RI, with the Mazda MX-5 Miata ranking first at $2,786 per year.
Ranking of the cheapest sports cars to insure in Warwick, RI, with the Mazda MX-5 Miata ranking first at $2,786 per year.

Don’t see insurance rates for your vehicle? 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 the best companies in Warwick.

What to expect when buying Warwick auto insurance

In an effort to help you understand how much car insurance premiums can deviate from one person to the next, the sections below present many different rates for four popular models in Warwick: the Chevrolet Silverado, Nissan Sentra, Nissan Rogue, and Toyota Highlander.

Each example shows average rates for a range of driver profiles to show the price fluctuation with only small risk factor changes.

Chevrolet Silverado insurance rates

Insurance for a Chevrolet Silverado in Warwick averages $3,330 per year, or around $278 per month, and varies from $2,758 to $7,734 annually.

Average 2024 Chevrolet Silverado insurance premiums in Warwick for different driver ages and risk scenarios.
Figure 3: Average 2024 Chevrolet Silverado insurance premiums in Warwick for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado 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 Chevrolet Silverado car insurance cost in Warwick includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Warwick, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,734$645
Safe Driver Age 20$6,766$564
At-fault Accidents Age 40$4,758$397
Low Deductibles Age 40$4,298$358
Safe Driver Age 30$3,544$295
Safe Driver Age 40$3,330$278
Safe Driver Age 50$2,960$247
High Deductibles Age 40$2,836$236
Safe Driver Age 60$2,770$231
Discount Rate Age 40$2,758$230

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 Chevrolet Silverado trim levels. Updated June 26, 2025

The Chevrolet Silverado is classified as a full-size truck, and other similar models include the Ford F150, Nissan Titan, GMC Sierra, and Ram Truck.

Nissan Sentra insurance rates

In Warwick, Nissan Sentra insurance averages $2,762 per year (about $230 per month) and varies from $2,292 to $6,274 per year for the driver ages and coverage limits shown in the cost chart below.

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

Data Methodology: Average rates are for a 2024 model year Nissan Sentra 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 Sentra car insurance cost in Warwick includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Warwick, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,274$523
Safe Driver Age 20$5,456$455
At-fault Accidents Age 40$3,908$326
Low Deductibles Age 40$3,492$291
Safe Driver Age 30$2,930$244
Safe Driver Age 40$2,762$230
Safe Driver Age 50$2,470$206
High Deductibles Age 40$2,378$198
Safe Driver Age 60$2,304$192
Discount Rate Age 40$2,292$191

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 Sentra trim levels. Updated June 27, 2025

The Nissan Sentra is a compact car, and other models from that segment that are popular in Warwick, RI, include the Hyundai Elantra, Toyota Corolla, Chevrolet Cruze, and Volkswagen Jetta.

Nissan Rogue insurance rates

Insurance for a Nissan Rogue in Warwick costs an average of $2,708 per year, or around $226 per month, and varies from $2,250 to $6,186 annually.

Average 2024 Nissan Rogue insurance premiums in Warwick for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Rogue insurance premiums in Warwick 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 Warwick includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Warwick, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,186$516
Safe Driver Age 20$5,396$450
At-fault Accidents Age 40$3,830$319
Low Deductibles Age 40$3,484$290
Safe Driver Age 30$2,878$240
Safe Driver Age 40$2,708$226
Safe Driver Age 50$2,412$201
High Deductibles Age 40$2,304$192
Safe Driver Age 60$2,252$188
Discount Rate Age 40$2,250$188

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 part of the compact SUV segment, and other similar models include the Honda CR-V, Mazda CX-5, Ford Escape, and Subaru Forester.

Toyota Highlander insurance rates

Insurance for a Toyota Highlander in Warwick averages $2,742 per year ($229 per month) and ranges from $2,282 to $6,266.

Average 2024 Toyota Highlander insurance premiums in Warwick for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Highlander insurance premiums in Warwick for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander 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 Highlander car insurance cost in Warwick includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Warwick, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,266$522
Safe Driver Age 20$5,490$458
At-fault Accidents Age 40$3,846$321
Low Deductibles Age 40$3,646$304
Safe Driver Age 30$2,934$245
Safe Driver Age 40$2,742$229
Safe Driver Age 50$2,420$202
Discount Rate Age 40$2,282$190
High Deductibles Age 40$2,276$190
Safe Driver Age 60$2,266$189

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 Highlander trim levels. Updated June 26, 2025

The Toyota Highlander belongs to the midsize SUV segment, and other models in that segment include the Ford Edge, Ford Explorer, Kia Telluride, and Jeep Grand Cherokee.

Tips for saving money on Warwick car insurance

Warwick drivers are always searching for ways to reduce their monthly insurance expenses, so take a minute and read through the tips and ideas below and maybe you’ll find a way to save a little dough on your next policy.

  • Reduce coverage on older cars. Dropping comprehensive and collision coverage from older vehicles that are not worth a lot can cheapen the cost substantially.
  • Choose vehicles that have low cost car insurance. The performance of the vehicle you drive is a big factor in the price you pay for car insurance in Warwick. As an example, a Mazda CX-30 costs $1,196 less per year to insure in Warwick than a Chevrolet Camaro. Lower performance vehicles cost less to insure.
  • Good credit scores mean better rates. Drivers who have credit scores over 800 may save $473 per year versus a credit score between 670-739. Conversely, a not-so-perfect credit rating could cost around $548 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Don’t file small claims. Car insurance companies reduce rates a little if you do not file any claims. Insurance is intended to be used to protect you from significant financial loss, not for minor claims that can easily be paid out-of-pocket.
  • Higher deductibles mean lower cost. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.