Cost of Car Insurance in Warwick, RI – 2024 Rates + Comparisons

• Average car insurance cost in Warwick is $2,446 per year, or around $204 per month.
• Monthly auto insurance rates for a few popular models in Warwick include the Mazda CX-5 at $166, Toyota RAV4 at $188, and Chevrolet Equinox at $188.
• 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 ($2,518 per year), Acura RDX ($2,046 per year), Chevrolet Colorado ($2,094 per year), and Acura Integra ($2,174 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 $2,446 per year, or approximately $204 per month. When compared to the U.S. average rate, Warwick car insurance cost is 26% more expensive per year.

The average car insurance expense in Rhode Island is $2,326 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 – $8,708 per year or $726 per month
• 17 year old – $8,438 per year or $703 per month
• 18 year old – $7,562 per year or $630 per month
• 19 year old – $6,887 per year or $574 per month
• 20 year old – $4,918 per year or $410 per month
• 30 year old – $2,612 per year or $218 per month
• 40 year old – $2,446 per year or $204 per month
• 50 year old – $2,170 per year or $181 per month
• 60 year old – $2,030 per year or $169 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 rates in the chart above range from $2,032 per year for a 40-year-old driver who qualifies for a great discount rate to $5,626 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 $2,446 per year.

As a monthly price, car insurance cost in Warwick ranges from $169 to $469 for the risk profiles shown in the chart above.

The cost of car insurance for Warwick’s favorite vehicles

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

• Mazda CX-5 – $1,996 per year or $166 per month
• Toyota RAV4 – $2,252 per year or $188 per month
• Chevrolet Equinox – $2,254 per year or $188 per month
• Ford F150 – $2,738 per year or $228 per month
• Hyundai Elantra – $2,658 per year or $222 per month
• Jeep Grand Cherokee – $2,446 per year or $204 per month
• Nissan Rogue – $2,200 per year or $183 per month
• Toyota Tacoma – $2,476 per year or $206 per month
• Jeep Cherokee – $2,640 per year or $220 per month
• Jeep Wrangler – $2,792 per year or $233 per month

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 $166 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 Chevrolet Colorado, Acura RDX, Kia Niro, 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 $2,096 or less per year ($175 per month) in Warwick.

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

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.

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 Hyundai Ioniq 6 at $2,248 per year for full coverage insurance to the Tesla Model 3 costing $2,872 per year. In the large luxury SUV segment, insurance rates range from the Infiniti QX80 at $2,742 per year to the Mercedes-Benz G63 AMG costing $5,260 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 $2,126 per year. Second place is the Nissan Leaf at $2,142 per year, and the third cheapest is the Honda Civic, costing an average of $2,164 per year.

Not the cheapest to insure, but still ranked well, are cars like the Kia K5, Hyundai Ioniq 6, Toyota Prius, and Honda Accord, with an average car insurance cost of $2,372 per year or less.

Full-coverage auto insurance in this segment for a middle-age safe driver starts at around $177 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 $177 per month and ending with the Mazda 3 at $211 per month.

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 $1,806 per year, Chevrolet Trailblazer at $1,838 per year, Kia Soul at $1,908 per year, and Nissan Kicks at $1,924 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 $2,004 per year or less.

Ranked in the lower half of the top 20, SUVs like the Kia Niro, Volkswagen Taos, Honda HR-V, Subaru Ascent, and Buick Envista average between $2,004 and $2,130 per year for full-coverage insurance.

Auto insurance in Warwick for this segment for a safe driver will start around $151 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 $1,806 per year and ending with the Honda HR-V at $2,130 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 $2,174 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 $2,572 per year or less.

Full-coverage auto insurance for this segment in Warwick for a middle-age safe driver can cost as low as $181 per month, depending on your company and location.

The lowest-cost small luxury car to insure in Warwick is the Acura Integra at $2,174 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,518 per year. And for full-size models, the Audi A5 has the best rates at $2,896 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 $2,174 per year and ending with the Audi S3 at $2,742 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 $2,046 per year. Second place is the Lexus NX 250 costing $2,164 per year, and the third most affordable is the Cadillac XT4, costing an average of $2,208 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 $2,360 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 $171 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 $2,046 per year. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $2,286 per year. And for full-size luxury SUVs, the Infiniti QX80 is cheapest to insure at $2,742 per year.

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

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 $2,094 per year, Nissan Titan at $2,286 per year, Nissan Frontier at $2,312 per year, and Ford Ranger at $2,338 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 $2,518 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 $175 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 $2,094 per year and ending with the Ram Truck at $2,828 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 $2,262 per year. Second place is the Toyota GR86 at $2,578 per year, and ranking third is the Ford Mustang, costing an average of $2,688 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 $2,924 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 $2,924 and $4,144 per year for auto insurance in Warwick.

Full-coverage insurance for this segment in Warwick for an average middle-age driver starts at around $189 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 $2,262 per year ($189 per month) and ending with the Porsche Taycan at $4,144 per year ($345 per month).

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 $2,706 per year, or around $226 per month, and varies from $2,242 to $6,280 annually.

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 $2,240 per year (about $187 per month) and varies from $1,860 to $5,094 per year for the driver ages and coverage limits shown in the cost chart below.

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 $2,200 per year, or around $183 per month, and varies from $1,828 to $5,022 annually.

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 $2,226 per year ($186 per month) and ranges from $1,854 to $5,086.

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 $974 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 $384 per year versus a credit score between 670-739. Conversely, a not-so-perfect credit rating could cost around $445 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 $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.