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2024

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Best Local Car Insurance Agencies in Rhode Island

Our Recommended Top 18

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Rhode Island Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

618Reviewed

378Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Pawtucket

Expertise.com Rating

Why choose this provider?

Andrews Insurance Agency caters to the needs of clients across Rhode Island. Its local agents hold almost nine decades of combined experience in the insurance industry, offering a gamut of insurance plans including auto insurance. The team provides liability, collision, and comprehensive insurance, medical payments coverage and personal injury protection, and uninsured and underinsured motorist insurance. It also assists clients in adding optional policies for roadside assistance and custom parts coverage. As a locally owned agency, it puts an emphasis in supporting its community.

East Providence

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Review Sources

Google
4.6 (23)
Facebook
4.7 (13)

Why choose this provider?

McLane Insurance - Riverside has been serving the insurance needs of Rhode Island individuals and families for more than four decades. As an independent insurance firm, it represents a network of insurance carriers that offer auto insurance with coverages which includes medical payments, liability, and property damage expenses. Clients may also opt for additional coverage for emergency road assistance and uninsured motorists. The agency also offers insurance for other motor vehicles such as boats and motorcycles. In addition to car insurance, the agency also offers home, business, and life insurance.

Lincoln

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Why choose this provider?

Lawrence Agency, Inc., is an insurance service provider that caters to Rhode Island individuals. This agency provides various types of insurance products, including auto insurance. It helps clients select the right level of insurance coverage and plan affordability, conducting professional analysis to assist clients in choosing a plan. Peter A. Lawrence, agency owner, founded the business in 2008. Lawrence is a Accredited Adviser in Insurance and is licensed in multiple states, such as Connecticut, Massachusetts, New York, New Hampshire, and Ohio.

Warwick

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Insurance Store Inc. has been providing some of the best risk management solutions for individuals and businesses in Rhode Island since 1993. It offers a number of products, from car, home, and condo to life and disability insurance. It also furnishes protection plans for renters. The agency partnered with Brook Insurance Associates to provide clients with coverage options from more insurance carriers. It is a member of the National Association of Insurance Brokers and the Independent Insurance Agents of Rhode Island.

East Greenwich

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Why choose this provider?

Since its inception in 1956, Doorley Insurance Agency has been providing personalized service and tailored coverage plans to the people of Rhode Island. The firm represents 15 carriers and develops insurance policies for car owners, homeowners, renters, and condominium proprietors. In addition, clients may opt to purchase a combination of policies for their cars and houses. The agency's other offerings are life, health, and commercial insurance. Its team has over 178 years of combined experience in the sector.

Cranston

Expertise.com Rating

Review Sources

Google
4.9 (64)
Yelp
5.0 (3)

Why choose this provider?

Gaulin Insurance Agency has been serving clients in and around Rhode Island for over 30 years. Its team of insurance specialists assists clients in selecting the best coverage for their needs, providing liability and collision coverage, comprehensive car insurance, and uninsured and underinsured motorist insurance. It also offers additional coverage options, including roadside assistance, towing and labor insurance, and rental reimbursement insurance. Agency owner Chris Gaulin holds CLCS and LUTCF designations and is licensed in Connecticut, Massachusetts, Maine, and Pennsylvania.

Westerly

Expertise.com Rating

Review Sources

Facebook
5.0 (18)
Google
4.9 (12)

Why choose this provider?

Mansfield Insurance Agency serves clients in and around Rhode Island. It is the best agency in the state that provides personal and business insurance solutions, such as auto insurance. It assists clients in determining how much auto insurance coverage clients' need and recommends various options. It provides liability, collision, and comprehensive insurance and offers additional coverage for medical payments, uninsured motorists, and emergency road service. The team led by CEO Dick Mansfield aims to simplify complicated insurance matters and develop tailored insurance strategies for its clients.

Killingly

Expertise.com Rating

Review Sources

Google
4.8 (180)
Facebook
4.6 (88)
Yelp
1.0 (2)

Why choose this provider?

Byrnes Agency serves the insurance needs of individuals, families, and business owners in Rhode Island. It offers cheap car insurance plans, which include comprehensive, collision, liability, and medical payment coverage. The company helps vehicle owners and drivers file claims for medical-related expenses and property damages due to perils like fire, storm, theft, and vandalism. Its agents also process other personal products like homeowners', renters', flood, life, and umbrella insurance. In addition, they furnish workers' compensation and employment practices liability coverage. Byrnes Agency has been operating since 1932.

Westerly

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.8 (9)

Why choose this provider?

Thorp & Trainer Insurance, an independent agency, serves clients across Rhode Island. For more than a century, it has been offering a wide selection of auto insurance plans and coverage options from various carriers. Its team of agents conducts a complete analysis of customers' needs and also handles claim settlements. In addition, they have access to policies for other kinds of vehicles, homes, and businesses. Howard Thorp, the company's president, is both an Accredited Adviser in Insurance and a Certified Insurance Counselor.

Scituate

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Why choose this provider?

Charland Insurance serves individuals and families throughout Rhode Island. It offers various protection plans, such as auto insurance. Its team designs policies to help car owners with their insurance needs and reviews their existing programs. The agency strives to find the best coverage suited for their budgets and provides them access to a select group of carriers. Owner Dennis Charland established the business in 2008. He has been in the industry for over three decades.

Central Village

Expertise.com Rating

Review Sources

Facebook
4.7 (17)
Google
4.6 (16)

Why choose this provider?

The Quintal Agency, Inc., is an insurance company that serves clients throughout Rhode Island. It offers a wide range of the best insurance plans for individuals and businesses alike, including auto insurance. The agency helps clients acquire protection for their vehicles against damages and losses due to theft and unexpected events. This independent agency provides access to a selection of top carriers for clients to have more policy options. Robert and Geraldine Quintal established the agency in 1964.

Warwick

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Why choose this provider?

Brook Insurance Associates, LLC is an agency serving individuals, families, and businesses in Rhode Island. It offers the best personal auto insurance plans to secure clients from the financial costs of being involved in an accident and injuring someone. Commercial auto insurance packages are available for companies, particularly those that use trucks, whether they are transporting supplies in-between work sites or shipping cargo across countries. The agency also provides business owner's policy options.

Fall River

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Why choose this provider?

Pacheco Insurance is an independent insurance agency that serves individuals throughout Rhode Island. It provides auto insurance solutions for clients owning and driving one vehicle and those possessing a number of vehicles. Its team assists in finding the coverage that best suits their needs and situation. Other insurance products offered include watercraft, home, life, and business insurance plans. As an independent agency, Pacheco Insurance has access to multiple insurance carriers, such as Safety Insurance and Progressive Insurance.

Wakefield

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Why choose this provider?

Gates Insurance Agency is an independent insurance service provider serving Rhode Island residents. It offers insurance solutions for automobiles, covering different kinds of vehicles, such as classic cars, motorcycles, RVs, motor homes, and boats. It assists clients in selecting coverage options for liability, medical expenses, and collision and comprehensive plans. The Gates team helps them compare insurance policies from different carriers and find the best coverage. The agency also provides general liability, life, home, and specialized insurance products.

Cranston

Expertise.com Rating

Why choose this provider?

Barton Insurance Group, Inc., is a family-owned company that serves individuals and businesses throughout Rhode Island. It provides an extensive range of personal protection plans, such as auto insurance. It also helps its clients secure coverage for motor vehicle theft, collision, and accidents. As an independent agency, Barton Insurance Group works with policy buyers in handling claims and finding the best coverage combination based on their needs and budget. It has been serving the area for more than eight decades.

Westerly

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Why choose this provider?

Lathrop Insurance has been serving clients across Rhode Island since 1939. The insurance service provider carries personal and business insurance products, including auto insurance. It helps clients in protecting themselves and their vehicles against injuries and damages. It offers liability, collision, and comprehensive insurance and additional protection for medical payments, emergency road service, and uninsured motorist. Backed by extensive experience in the industry, the Lathrop team tailors insurance plans for each client and represents multiple carriers.

Providence

Expertise.com Rating

Review Sources

Google
4.9 (189)
Facebook
5.0 (18)

Why choose this provider?

Podmaska Insurance Agency helps clients in Rhode Island select protection plans for their families and businesses. It offers car insurance policies with comprehensive, collision, liability, uninsured/underinsured motorists coverage, as well as rental car reimbursement. It also provides families with insurance for life, home, and valuable items. Commercial insurance plans that protect business owners, contractors, and directors and officers are also available. The family-run business works with several insurance carriers to help clients find the best insurance coverages for their needs.

Oxford

Expertise.com Rating

Review Sources

Google
4.8 (38)
Facebook
5.0 (6)

Why choose this provider?

Coonan Insurance Agency provides the best coverage for car owners in Rhode Island. Its policies cover financial responsibility for injuring others and losses from collisions, fires, and theft. Independent insurance agents at the company choose the best carrier that suits the clients' needs and goals. Boat and marine, condominium, motor home, rental property, and homeowners coverage options are also available. The family-owned and -operated company was founded by Thomas Coonan in 2001. Thomas has over two decades of industry experience.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Andrews Insurance Agency
450 Armistice Boulevard, Pawtucket, RI 2861
McLane Insurance - Riverside
994 Willett Avenue, East Providence, RI 2915
Lawrence Agency Inc.
872 Smithfield Avenue, Lincoln, RI 2865
Insurance Store Inc.
1935 Elmwood Avenue, Warwick, RI 2888
Doorley Insurance Agency
17 6th Avenue, East Greenwich, RI 2818
Gaulin Insurance Agency
1 Rolfe Square, Cranston, RI 2910
Mansfield Insurance Agency
115 High Street, Westerly, RI 2891
Byrnes Agency
394 Lake Road, Killingly, CT 6241
Thorp & Trainer Insurance
107 Airport Road, Westerly, RI 2891
Charland Insurance
47 Danielson Pike, Scituate, RI 2857
The Quintal Agency, Inc.
127 Norwich Road, Central Village, CT 6332
Brook Insurance Associates, LLC
1935 Elmwood Avenue, Warwick, RI 2888
Pacheco Insurance
411 Columbia Street, Fall River, MA 2721
Gates Insurance Agency
238 Robinson Street, Wakefield, RI 2879
Barton Insurance Group, Inc.
407 Pontiac Avenue, Cranston, RI 2910
Lathrop Insurance
85 Beach Street, Westerly, RI 2891
Podmaska Insurance Agency
1309 Chalkstone Avenue, Providence, RI 2908
Coonan Insurance Agency
267 Main Street, Oxford, MA 1540

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.