Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Providence

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Providence 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.

104Reviewed

65Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
24 Farmington Avenue, Providence, RI 02909
  • Multiple Carriers

Why choose this provider?

Farmington Insurance, Inc., primarily offers home, business, and car insurance options throughout RI. Established in 1964, the firm assists clients in finding coverage options that meet their requirements. Its insurance advisors can assess financial risks and provide 24/7 customer service. In addition, they walk policyholders through the claims process and offer a timely resolution of issues. Michele Calabrese, its principal agent, has over 2 decades of experience working with different insurance providers. These insurance carriers include Progressive, Saseco, and many others.

License Verified:

License: 2043625

Rhode Island Insurane Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (11)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
194 Warren Avenue, East Providence, RI 02914
  • Boats
  • Motorcyle & ATV

Why choose this provider?

The Agency Paiva is an independent and family-owned auto insurance agency located in Providence. The agency was founded by Joseph Paiva in 1988 and it has since grown into a full-service insurance agency that represents both national and regional insurance carriers. Its agents are committed to being transparent and fair to their clients, and attentive throughout the insurance process. They offer a variety of auto insurance coverages, including reimbursements for loss, theft, or fire, as well as collision and medical coverage.

License Verified:

License: 1089634

Rhode Island Insurane Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.5 / 5 (17)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
400 Broadway, Providence, RI 02909
  • Bundling Option

Why choose this provider?

Auto-Cycle Insurance Inc. is an insurance management company serving car owners and motorists in the Providence metro area and nearby communities for more than 30 years. Established in 1984, the independent insurance agency specializes in auto and motorcycle insurance services. Its independent agents work with different carriers to provide customized auto insurance policies to meet their client's needs. They also insure recreational vehicles and water vehicles. Other services include SR-22 filings and policy replacements.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (53)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
411 Columbia Street, Fall River, MA 02721
  • Life Insurance

Why choose this provider?

Pacheco Insurance is an agency that offers individual car insurance and business auto coverage in Providence and the surrounding areas. It also covers watercrafts such as yachts, boats, and jetskis. The company also offers workers' compensation, liability coverage, and errors and omissions coverage for commercial clients in the area. Clients can check its website for auto insurance quotes. Whether the policy is for single driver or family coverage, tools are available online to check premiums and total coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.9 / 5 (19)
Facebook
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
520 North Broadway, East Providence, RI 02914
  • Multiple Carriers

Why choose this provider?

Stateline Insurance & Financial Services, Inc., is an independent agency that serves auto coverage for clients in Providence. Its offered policies include liability protection, damages from collision and non-collision incidents, and optional products such as rental and medical expenses. The agency also provides commercial auto coverage based on requirements such as ownership of the vehicle by a corporation or its use for transport of goods. Stateline also has insurance for motorcycles, boats, and marine crafts and is partnered with providers such as Metlife, Travelers, and Progressive. It is a member of the National Association of Insurance & Financial Advisors.

License Verified:

License: 1050369

Rhode Island Insurane Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.9 / 5 (15)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1020 Charles Street, North Providence, RI 02904

Why choose this provider?

Stop & Save Insurance LLC provides protection plans for Providence residents. Its team assists clients in several areas including auto insurance. George Kasper, the company's principal agent, provides customized insurance plans for car owners by reviewing policies from multiple providers such as National General Insurance, Foremost Insurance Group, and Progressive. He also insures commercial vehicles, boats, and motorcycles. Kasper has over three decades of experience in the insurance industry. He runs his office with a furry, four-legged assistant named Bianca.

License Verified:

License: 1055773

Rhode Island Insurane Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (21)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
839 North Main Street, Providence, RI 02904
  • Multiple Carriers

Why choose this provider?

Lefebvre Insurance Agency is a local independent insurance agency located in Providence. The company provides financial independence and peace of mind for clients through auto insurance that can protect them and their assets from accidents, injuries, hit-and-runs, and theft. It can offer property, liability, and medical coverages, with its staff prepared to assist in structuring policies based on clients' best interests. Lefebvre Insurance also has other personal and commercial insurance products.

License Verified:

License: 2089132

Rhode Island Insurane Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.4 / 5 (12)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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 the average cost of car insurance for teenagers, the middle-aged, and the elderly in Providence?

    Auto insurance rates in Providence are quite reasonable for drivers in their 50s, with an average annual cost of $2,624. Those in their 40s also enjoy relatively affordable rates, only slightly higher at $2,773. However, teenage drivers face much higher expenses, with an average annual premium of $11,257. This results in a significant $7,394 difference in insurance costs between teenage drivers and drivers in their 20s.

  • How does driving record affect car insurance costs in Providence?

    Providence car insurance premiums tend to rise for a period of three years due to accidents and traffic violations. Drivers who receive a speeding ticket will see a 29% increase in their insurance costs, while involvement in an accident can result in a 9% rate increase. Individuals caught in DUI or DWI situations can anticipate a 96% increase in their insurance premiums.

  • Does it make sense for Providence motorists who drive more recent model vehicles to purchase collision and comprehensive insurance?

    Providence motorists are advised to purchase collision and comprehensive insurance, especially when their new vehicles have a higher market value. In Rhode Island, comprehensive coverage comes at an average annual cost of $201, while collision coverage averages $953. These optional coverages typically offer deductibles of $1,000, $500, and $250. It is worth noting that opting for a higher deductible can result in a lower insurance premium rate.

  • Can Providence drivers who do not own a car purchase an auto insurance policy?

    Yes, Providence drivers have options for non-owner car insurance. Non-owner auto insurance offers financial security when individuals operate a vehicle they have borrowed or rented. This type of insurance typically includes coverage for liability, medical expenses, and protection against uninsured or underinsured motorists. In some cases, policies may also include rental reimbursement and roadside assistance coverage.

  • How much does it cost to add a teenage driver to a Providence motorist's car insurance policy?

    In Providence, including a teenage daughter on a parent's auto insurance plan could result in an annual premium hike of $3,300, marking a 142% increase. Similarly, enlisting a son of similar age may lead to an annual rate increase of $3,993, reflecting a 171% rise. This is because teenage drivers tend to be involved in more accidents due to their limited experience. Insurance providers classify them as high-risk drivers, which leads to higher insurance costs.

  • 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.