Westerly drivers pay an average of $1,940/year — $169 more than the national average. With 218 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $248/year.
(888) 217-6781Estimated full coverage auto insurance rates for Westerly, RI from top carriers. Rates are adjusted for Westerly's 218 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $736 | $123/mo |
| Progressive | $830 | $138/mo |
| Amica Mutual | $887 | $148/mo |
| State Farm | $908 | $151/mo |
| Allstate | $1,107 | $184/mo |
Estimates based on 2026 rate filings for ZIP 06379. GEICO is cheapest at ~$123/mo. Actual rates vary by driver profile and exact Westerly location.
These Westerly-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Westerly, RI. Takes under 2 minutes.
(888) 217-6781Westerly is a smaller city in Rhode Island with a population of 18,423. 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 Westerly.
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 Westerly can swing your premium by hundreds of dollars. Here's how rates compare across Westerly neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 06391 | Westerly South Side | $1,797/yr | $150/mo |
| 06380 | Westerly North Side | $1,885/yr | $157/mo |
| 06391 | Westerly West Side | $1,956/yr | $163/mo |
| 06389 | Westerly East Side | $1,974/yr | $165/mo |
| 06379 | Westerly Downtown/Central | $2,108/yr | $176/mo |
The cheapest ZIP is 06391 (Westerly South Side) at $1,797/yr. The most expensive is 06379 (Westerly Downtown/Central) at $2,108/yr — a $311/year difference for the same driver.
Your Westerly ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Westerly. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,074/yr | $340/mo | +110% vs avg |
| Young Adult (20-25) | $2,716/yr | $226/mo | +40% vs avg |
| Adult (26-35) | $1,940/yr | $162/mo | 0% vs avg |
| Mid-Career (36-50) | $1,707/yr | $142/mo | -12% vs avg |
| Senior (51-65) | $1,610/yr | $134/mo | -17% vs avg |
| 65+ | $1,727/yr | $144/mo | -11% vs avg |
Teens in Westerly pay an average of $4,074/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,610/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.
Westerly drivers can save up to $248/year. ZIP 06391 (Westerly South Side) has the lowest rates starting at $1,797/yr.
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