Warwick drivers pay an average of $2,098/year — $327 more than the national average. With 1,022 crashes per year and a 2.5 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $406/year.
(888) 217-6781Estimated full coverage auto insurance rates for Warwick, RI from top carriers. Rates are adjusted for Warwick's 1,022 annual crashes, 2.5 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $796 | $133/mo |
| Progressive | $898 | $150/mo |
| Amica Mutual | $960 | $160/mo |
| State Farm | $982 | $164/mo |
| Allstate | $1,197 | $199/mo |
Estimates based on 2026 rate filings for ZIP 02889. GEICO is cheapest at ~$133/mo. Actual rates vary by driver profile and exact Warwick location.
These Warwick-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Warwick, RI. Takes under 2 minutes.
(888) 217-6781With 82,823 residents, Warwick 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. Warwick 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 Warwick can swing your premium by hundreds of dollars. Here's how rates compare across Warwick neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 02895 | Warwick South Side | $1,948/yr | $162/mo |
| 02893 | Warwick North Side | $2,062/yr | $172/mo |
| 02893 | Warwick West Side | $2,083/yr | $174/mo |
| 02895 | Warwick East Side | $2,102/yr | $175/mo |
| 02889 | Warwick Downtown/Central | $2,225/yr | $185/mo |
The cheapest ZIP is 02895 (Warwick South Side) at $1,948/yr. The most expensive is 02889 (Warwick Downtown/Central) at $2,225/yr — a $277/year difference for the same driver.
Your Warwick ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Warwick. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,406/yr | $367/mo | +110% vs avg |
| Young Adult (20-25) | $2,937/yr | $245/mo | +40% vs avg |
| Adult (26-35) | $2,098/yr | $175/mo | 0% vs avg |
| Mid-Career (36-50) | $1,846/yr | $154/mo | -12% vs avg |
| Senior (51-65) | $1,741/yr | $145/mo | -17% vs avg |
| 65+ | $1,867/yr | $156/mo | -11% vs avg |
Teens in Warwick pay an average of $4,406/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,741/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.
Warwick drivers can save up to $406/year. ZIP 02895 (Warwick South Side) has the lowest rates starting at $1,948/yr.
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