Cranston drivers pay an average of $2,189/year — $418 more than the national average. With 968 crashes per year and a 2.4 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $497/year.
(888) 217-6781Estimated full coverage auto insurance rates for Cranston, RI from top carriers. Rates are adjusted for Cranston's 968 annual crashes, 2.4 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $830 | $138/mo |
| Progressive | $936 | $156/mo |
| Amica Mutual | $1,001 | $167/mo |
| State Farm | $1,025 | $171/mo |
| Allstate | $1,249 | $208/mo |
Estimates based on 2026 rate filings for ZIP 02910. GEICO is cheapest at ~$138/mo. Actual rates vary by driver profile and exact Cranston location.
These Cranston-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Cranston, RI. Takes under 2 minutes.
(888) 217-6781With 82,934 residents, Cranston is a growing community in Rhode Island where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like nor'easters, hurricanes, flooding, blizzards, ice and commuter corridors still influence premiums. Cranston drivers often find rates slightly below the Rhode Island state average.
For official Rhode Island insurance regulations, visit the Rhode Island Insurance Division. For driver licensing, see the Rhode Island DMV.
Your specific ZIP code within Cranston can swing your premium by hundreds of dollars. Here's how rates compare across Cranston neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 02916 | Cranston South Side | $2,033/yr | $169/mo |
| 02914 | Cranston West Side | $2,135/yr | $178/mo |
| 02914 | Cranston North Side | $2,153/yr | $179/mo |
| 02916 | Cranston East Side | $2,243/yr | $187/mo |
| 02910 | Cranston Downtown/Central | $2,408/yr | $201/mo |
The cheapest ZIP is 02916 (Cranston South Side) at $2,033/yr. The most expensive is 02910 (Cranston Downtown/Central) at $2,408/yr — a $375/year difference for the same driver.
Your Cranston ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Cranston. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,597/yr | $383/mo | +110% vs avg |
| Young Adult (20-25) | $3,065/yr | $255/mo | +40% vs avg |
| Adult (26-35) | $2,189/yr | $182/mo | 0% vs avg |
| Mid-Career (36-50) | $1,926/yr | $161/mo | -12% vs avg |
| Senior (51-65) | $1,817/yr | $151/mo | -17% vs avg |
| 65+ | $1,948/yr | $162/mo | -11% vs avg |
Teens in Cranston pay an average of $4,597/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,817/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Rhode Island cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Cranston drivers can save up to $497/year. ZIP 02916 (Cranston South Side) has the lowest rates starting at $2,033/yr.
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