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Best Local Car Insurance Agencies in Rhode Island

Our Recommended Top 15

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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.

615Reviewed

375Curated

15Top Picks

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Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving Rhode Island
Warwick

Expertise.com Rating

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.

Best Local Car Insurance Agencies Serving Rhode Island
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.

Best Local Car Insurance Agencies Serving Rhode Island
Lincoln

Expertise.com Rating

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.

Best Local Car Insurance Agencies Serving Rhode Island
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.

Best Local Car Insurance Agencies Serving Rhode Island
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.

Best Local Car Insurance Agencies Serving Rhode Island
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.

Best Local Car Insurance Agencies Serving Rhode Island
East Providence

Expertise.com Rating

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.

Best Local Car Insurance Agencies Serving Rhode Island
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.

Best Local Car Insurance Agencies Serving Rhode Island
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.

Best Local Car Insurance Agencies Serving Rhode Island
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.

Best Local Car Insurance Agencies Serving Rhode Island
Fall River

Expertise.com Rating

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.

Best Local Car Insurance Agencies Serving Rhode Island
Westerly

Expertise.com Rating

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.

Best Local Car Insurance Agencies Serving Rhode Island
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.

Best Local Car Insurance Agencies Serving Rhode Island
Wakefield

Expertise.com Rating

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.

Best Local Car Insurance Agencies Serving Rhode Island
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.

Compare our Top Local Car Insurance Agencies

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

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Rhode Island Car Insurance Agency FAQs

  • What are the benefits of getting your child their car insurance in Rhode Island?

    Getting car insurance for your child in Rhode Island is a practical step that reduces parental liability, fosters independence, and offers potential long-term savings. It lowers the risk of accidents or claims, helps build a positive insurance history, and can lead to lower rates for maintaining a clean driving record. Bundling auto insurance with other policies when they move out can also provide discounts. Lastly, providing your children with car insurance fosters independence. It empowers them to manage their insurance, budget effectively, and take ownership of their vehicle.

  • What other car insurance options can you have in Rhode Island?

    Car insurance options in Rhode Island extend beyond the basics, offering supplementary coverages such as Medical Payments, which cover medical and funeral expenses for all parties involved in an accident, regardless of fault. Rental Reimbursement helps with the cost of renting a replacement vehicle. At the same time, yours is being repaired, with reimbursement amounts varying by insurer. Towing and Labor coverage comes into play when your car needs towing due to an accident.

  • What factors affect the calculation of your car insurance in Rhode Island?

    Car insurance rates in Rhode Island are affected by these factors, which include your recent driving history, where you live and drive, your age and gender, marital status, prior insurance record, how much you drive, the coverage you choose, your car's make and model, and even your credit score, as allowed by state laws. These factors collectively influence how much you pay for car insurance, with insurers using this information to assess risk and set your premium.

  • What do you need to know about uninsured and underinsured coverage in Rhode Island?

    Uninsured and underinsured motorist coverage are vital forms of insurance in Rhode Island that can assist in covering medical expenses and property damage if you're in a car accident with a driver who either lacks insurance or doesn't have sufficient coverage. Uninsured motorist coverage comes into play when an uninsured or hit-and-run driver hits you. In contrast, underinsured motorist coverage helps when the at-fault driver's insurance limits aren't enough to cover all your costs.

  • How much does car insurance for hybrid or electric car cost in Rhode Island?

    The cost of insuring hybrid or electric cars in Rhode Island can be influenced by factors like the vehicle's make and model, location, and coverage choices. Electric vehicles may have slightly higher insurance costs due to potentially expensive battery replacements after accidents. However, Federal tax credits and local incentives may further reduce insurance expenses. Newer EVs often include advanced safety features that may qualify for additional insurance discounts, potentially balancing the overall insurance cost for hybrid or electric cars.