North Providence, RI Car Insurance
Learn how to compare North Providence car insurance options effectively.
North Providence is a peaceful suburb located about five miles from the city of Providence, RI. With a population under 35,000 people and quiet neighborhoods, this location is a great area for couples, families and retirees. Beautiful parks are a short drive away, including Governer John Notte Memorial Park, Peter Randall State Park and the Wenscott Reservoir. Considering the safe surroundings, why is car insurance in North Providence so costly?
On average, North Providence residents have a cost of living that is almost 10% higher than the rest of the country. At the same time, workers make 10% less than the U.S. average. The difference isn't huge, but it's significant enough to affect the type of policy families choose for North Providence car insurance.
Even though North Providence only has 14,000 households and about 22,000 workers, its main roadways see more daily traffic. For example, U.S. Highway 44 gets approximately 30,000 vehicles a day. Rhode Island Route 146 has an average daily traffic volume of 23,000 vehicles.
The majority (65%-75%) of local workers drive to the office in a personal vehicle. Another 10% carpool and only 5% use Rhode Island Public Transit Authority buses. The average commute is about 25 minutes for workers and college students, but over 10% have to drive upwards of 60-90 minutes each way.
The average cost of car insurance in North Providence is about $950 a year for minimum coverage and $1,800 annually for full coverage. Local rates are almost 15% higher than other cities in Rhode Island.
In general, families who live in large cities or close by tend to pay more for auto insurance coverage. This is because of:
According to a well-known insurance company, the Providence region is one of the riskiest places in the U.S. in terms of car accidents, ranking 193 out of 200. Residents are 70% more likely to get into a crash compared to the national average.
One of the great things about VIU by HUB is how easy it makes finding a customized auto insurance policy. This tool offers handy comparison features that show different insurance companies, pricing details, coverage types and policy limits. To get a good fit, it's important to know what local drivers are up against.
According to the Federal Highway Administration. there are over 300 serious injuries from car accidents in the region each year. Just in 2023, there were over 60 fatal car crashes locally, a significant increase compared to 39 in 2022. That's more than one fatality every week. North Providence car insurance can help drivers be prepared in the event of a crash.
Crime in North Providence is lower than the city of Providence and other places in Rhode Island, such as Pawtucket and Central Falls. That said, there are still over 100 cases of auto theft every year, including theft of electronics, vandalism and vehicle break-ins.
Every family has different needs for auto insurance. Price is one factor to consider, but insurance types and coverage limits matter, too. VIU by HUB simplifies the process of choosing North Providence car insurance by making it easy to compare different policies directly.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Rhode Island Geographic Information System
