Car Insurance in Pawtucket, RI
How many options do you have for car insurance in Pawtucket, RI?
If your family is one of the 30,000 households in Pawtucket, you get to enjoy short commute times and rich architectural surroundings. This city of 75,000 people shows off its industrial roots with historical warehouses, factories and mills from the beginning of the Industrial Revolution, including the Old Slater Mill National Historic Landmark, the artistic Lorraine Mills district and the 1940s-era Modern Diner. Pawtucket is just 10 minutes northeast of Downtown Providence, providing access to jobs and entertainment. Of course, with such close proximity to metro streets, good car insurance in Pawtucket, RI, is essential.
Liability insurance helps to protect you financially if you accidentally cause a car crash. This is important because car accidents in Pawtucket can result in severe injuries or even fatalities. High-speed roadways such as Interstate 95 and U.S. Highway 1 make serious injuries more likely in the event of rear-end collisions, head-on crashes or other impacts. Car insurance can help you avoid paying enormous bills out of pocket.
You also need to consider your well-being. Personal injury coverage is an important part of protecting your interests and keeping your family safe. This type of coverage doesn't prevent crashes, but it can cover the costs of your medical care in the event of an accident. Crashes cause approximately 250 serious injuries every year in the region.
Interstate 95 in the Pawtucket area has distinctive S-curves that require slower speeds to navigate safely. Unfortunately, other drivers don't always obey the speed limit. Speeding plays a part in nearly 50% of fatal car crashes locally.
The average commute for Pawtucket workers is 25 minutes. A surprising 15% drive more than 45 minutes in each direction. Spending so much time on the road every week can make car accidents a real risk. Some stretches of Interstate 95 going from Pawtucket to Providence see an average daily traffic volume of 70,000 vehicles every day.
What about public transportation, such as buses? Only 1,400 families use this method of commuting, less than 5% of households. Almost 90% of families take a vehicle to work instead. Car insurance is a legal requirement, but it's also a smart investment. VIU by HUB makes it easy to compare car insurance in Pawtucket, RI, for a variety of vehicle types, makes and models.
Another type of coverage to consider adding to your policy is collision insurance. This coverage helps with car repairs or replacement after an accident, even with single-vehicle crashes such as:
Pawtucket gets about 50 inches of rain and 38 inches of snow every year, so car crashes related to poor road conditions are a risk. December to February have over 100 days of freezing weather.
The region has a disturbing amount of property crime, including about 300 cases of auto theft every year. There are roughly 2,500 cases of property theft.
The average cost of car insurance in Pawtucket, RI, is $1,400 per year, similar to other areas of the state. This is only for basic coverage, however. Comprehensive coverage for auto theft, parts theft and electronics theft costs more, but it can be an excellent investment. Use VIU by HUB to see various insurers, prices and coverage options for your needs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Federal Highway Administration
