East Providence drivers pay an average of $2,081/year — $310 more than the national average. With 539 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $389/year.
(888) 217-6781Estimated full coverage auto insurance rates for East Providence, RI from top carriers. Rates are adjusted for East Providence's 539 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $789 | $132/mo |
| Progressive | $890 | $148/mo |
| Amica Mutual | $952 | $159/mo |
| State Farm | $974 | $162/mo |
| Allstate | $1,187 | $198/mo |
Estimates based on 2026 rate filings for ZIP 02914. GEICO is cheapest at ~$132/mo. Actual rates vary by driver profile and exact East Providence location.
These East Providence-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving East Providence, RI. Takes under 2 minutes.
(888) 217-6781East Providence is a smaller city in Rhode Island with a population of 47,139. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as nor'easters, hurricanes, flooding, blizzards, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in East Providence.
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 East Providence can swing your premium by hundreds of dollars. Here's how rates compare across East Providence neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 02923 | East Providence South Side | $1,977/yr | $165/mo |
| 02919 | East Providence North Side | $2,008/yr | $167/mo |
| 02922 | East Providence West Side | $2,037/yr | $170/mo |
| 02922 | East Providence East Side | $2,143/yr | $179/mo |
| 02914 | East Providence Downtown/Central | $2,266/yr | $189/mo |
The cheapest ZIP is 02923 (East Providence South Side) at $1,977/yr. The most expensive is 02914 (East Providence Downtown/Central) at $2,266/yr — a $289/year difference for the same driver.
Your East Providence ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in East Providence. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,370/yr | $364/mo | +110% vs avg |
| Young Adult (20-25) | $2,913/yr | $243/mo | +40% vs avg |
| Adult (26-35) | $2,081/yr | $173/mo | 0% vs avg |
| Mid-Career (36-50) | $1,831/yr | $153/mo | -12% vs avg |
| Senior (51-65) | $1,727/yr | $144/mo | -17% vs avg |
| 65+ | $1,852/yr | $154/mo | -11% vs avg |
Teens in East Providence pay an average of $4,370/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,727/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.
East Providence drivers can save up to $389/year. ZIP 02923 (East Providence South Side) has the lowest rates starting at $1,977/yr.
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