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2024

Last updated:

Best Local Car Insurance Agencies in Warwick

Our Recommended Top 13

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 Warwick 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.

59Reviewed

40Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1350 Division Road, West Warwick, RI 02893
  • Multiple Carriers

Why choose this provider?

World Insurance Associates LLC is an insurance brokerage that services the Warwick metro and the surrounding areas. The company started its operations in 2012 with its principal agents who have a cumulative 40 years of industry experience. It offers auto insurance policies to clients that cover expenses for property damage, accidents, and injury liabilities. Some of the factors it considers in formulating car insurance premiums are driving record, driving credit scores, and the type of vehicle.

License Verified:

License: 3000139408

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.
4.9

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.
4.3
Responsiveness
Friendliness
Helpfulness
Detail

Website
125 Metro Center Boulevard, Warwick, RI 02886
  • Multiple Carriers

Why choose this provider?

Gallo|Thomas Insurance is an independent insurance agency in Warwick that provides car insurance plans to residents in the metro. The agency's team of insurance agents helps clients choose the best protection for themselves and their vehicles through its comprehensive car insurance policies. The company was founded by Thomas P. DiSanto, Jr., and has been in business for over 70 years. It also offers business and personal insurance policies, as well as employee benefits coverage.

License Verified:

License: 1091529

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
4.8 / 5 (4)
Facebook
5.0 / 5 (1)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1049 Tiogue Avenue, Coventry, RI 02816
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Fallon Insurance Agency is an independent agency that works with various insurance carriers that helps them to customize insurance coverages. The agency offers insurance plans to individuals and business clients in Warwick and the nearby areas. Its team of agents helps its clients to understand the insurance protection that they need. They provide car insurance plans to secure client's protection caused by events such as accidents and theft. Additionally, Fallon Insurance Agency also offers life insurance and commercial insurance.

License Verified:

License: 1091686

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.
4.8
Google
4.8 / 5 (17)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1107 Pontiac Avenue, Cranston, RI 02920
  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

ABZ Insurance Agency, Inc., is an independent insurance company servicing the Warwick metro and its nearby communities. It quotes and writes auto policies that may include roadside assistance and protection against physical damages, medical expenses, and uninsured motorists. Its team of agents also provides home, life, and business insurance. The firm is founded and operated by John McIntyre, an insurance professional who has worked in the industry for more than 30 years.

License Verified:

License: 1091696

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.
5.0
Google
5.0 / 5 (12)

Website
17 6th Avenue, East Greenwich, RI 02818
  • Bundling Option

Why choose this provider?

Doorley Insurance Agency is a family-owned and operated independent insurance agency in Warwick that was founded in 1956. Its team of advisors is experienced in developing coverage plans for car, home, life, and business insurance. They tailor packages for policyholders who wish to undergo safe driver's education. The agency represents 15 of the most secure and reliable national and regional insurance companies, such as Zurich North America, Met Life Insurance, Drive Insurance, NLC Insurance Companies, and One Beacon Insurance.

License Verified:

License: 1089419

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.
5.0
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (5)

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
238 Robinson Street, Wakefield, RI 02879
  • Multiple Carriers

Why choose this provider?

In 1964, William M. Gates III founded the Gates Insurance Agency—an independent agency in Southern Rhode Island that services clients in Warwick and the nearby areas. Gates has been the president of the South Kingstown Lions Club and is a former member of the South Kingstown Council. Gates Insurance Agency represents various insurance carriers in providing personal insurance plans including car insurance. Its car insurance policies cover collision insurance as well as comprehensive insurance.

License Verified:

License: 1092616

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.
5.0
Facebook
5.0 / 5 (10)

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
333 Centerville Road, Warwick, RI 02886
  • Multiple Carriers

Why choose this provider?

The Slocum Agency, Inc., is an independent insurance provider that has been serving the Warwick metro and its nearby communities since 1949. The insurance firm writes car policies based on the requirements of its clients. Its team of agents helps policy buyers find the proper insurance plan, which can include liability, comprehensive, and collision coverages. Aside from auto insurance, they also craft policies for classic cars, homeowners, flood, and commercial properties. The Slocum Agency strives to deliver only the right policy and coverage for its clients.

License Verified:

License: 1089424

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.
4.8
Google
4.8 / 5 (18)
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
91 Toll Gate Road, Warwick, RI 02886
  • Multiple Carriers

Why choose this provider?

The Insurance Center in Warwick is an independent insurance brokerage that offers insurance solutions to clients in the metro. The company has been serving the community since 1973 and has extensive experience writing auto insurance policies for clients. Its policies provide state-required liability coverage, no-fault coverage, or a combination of both. The Insurance Center handles a wide variety of insurance lines, including more specialty concerns such as coverage for doctor's offices and custom-built or heritage houses.

License Verified:

License: 1089451

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
4.0 / 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
85 Beach Street, Westerly, RI 02891

Why choose this provider?

For over 80 years, Lathrop Insurance has served residents in Warwick and all throughout Southern New England. The firm offers various policies for both personal and commercial lines. It includes comprehensive car coverage that can also be combined with other personal insurance policies such as home, life, and flood insurance. Its team of professionals helps all sorts of clients, including families living in coastal areas who may have distinct coverage requirements, in providing the most suitable program for their situation.

License Verified:

License: 2050864

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.
5.0
Google
5.0 / 5 (69)
Facebook
5.0 / 5 (5)

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
328 Cowesett Ave Suite 4, West Warwick, RI 02893

Why choose this provider?

Graham Insurance, Inc. is a full-service insurance company that has been serving the Warwick area and surrounding communities for over 50 years. Through its sourced auto insurance policies, the firm assists individuals and businesses in obtaining adequate protection for themselves and their vehicles in anticipation of accidents and other perils. Its agents represent multiple carriers that can provide basic coverage options like liability, collision, and comprehensive. They also offer additional coverage for medical payments, emergency road service, and uninsured motorists.

License Verified:

License: 1050339

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.
4.8
Google
4.9 / 5 (16)
Facebook
5.0 / 5 (5)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
115 High Street, Westerly, RI 02891
  • Multiple Carriers

Why choose this provider?

Mansfield Insurance Agency offers 50 years of insurance experience to individuals in Warwick and the surrounding areas. The business safeguards both drivers and their vehicles from financial losses caused by car accidents, liabilities, and other covered events. Its agents compare insurance quotes and present them to help clients make financial decisions. They also discuss coverage reviews face-to-face and emphasize the insurance benefits of umbrella coverage. Other personal lines available include flood, home, life, and even recreation insurance.

License Verified:

License: 1089439

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.
5.0
Facebook
5.0 / 5 (10)

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
107 Airport Road, Westerly, RI 02891
  • Multiple Carriers

Why choose this provider?

Thorp & Trainer Insurance has been providing insurance products even before the Great War took place in 1910. The fourth-generation company helps Warwick clients find the auto insurance coverages that match their needs and priorities. Clients can apply for various coverages such as towing or roadside assistance, property damage liability, gap insurance, and physical damage liability. Furthermore, its agents assist in securing protection for both drivers and their vehicles from uninsured motorists.

License Verified:

License: 1089401

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.
5.0
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Wakefield, RI
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Ford Insurance Agency is a professional and licensed insurance agency that serves commercial and residential clients in Warwick, Rhode Island, and neighboring areas in Southern New England. It offers a comprehensive suite of insurance coverage options such as auto insurance, boat insurance, motorcycle insurance as well as general liability insurance coverage. The company is affiliated with diverse and reputable insurance companies such as Hartford Insurance, MetLife, Peerless, Travelers Insurance, GMAC Insurance, Metlife, and Providence Mutual.

License Verified:

License: 2307673

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
4.7 / 5 (36)
Facebook
5.0 / 5 (6)

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 are the minimum auto insurance coverage requirements for Warwick in the event of a car accident?

    Warwick mandates minimum coverage of $25,000 for injuries or death to one person, $50,000 for multiple individuals involved in a single incident, and $25,000 for property damage in the event of a car accident. This coverage ensures that expenses such as medical bills, property damage, and lost income are addressed, following Rhode Island's fault-based system. Consider higher coverage for enhanced financial stability when feasible.

  • Why do auto insurance rates vary between young and older drivers in Warwick, and how can residents find the best rates?

    Warwick's auto insurance rates differ based on age, with younger drivers typically paying more due to higher perceived risk. On average, under-25s pay around $3,000 annually, while those over 65 pay over $2,000. To secure savings, Warwick residents should compare quotes from multiple insurers, considering age-related and other potential markdowns like good driver and vehicle safety discounts. Comparing quotes ensures comprehensive coverage at competitive rates.

  • How can parents ensure proper auto insurance coverage for their teenage drivers in Warwick?

    Parents in Warwick can ensure their teenagers are correctly insured by first checking Rhode Island's requirements, which mandate liability and uninsured/underinsured motorist coverage. Next, confirm with your insurer if additional needs like comprehensive or collision coverage are covered. It's crucial to know that Rhode Island law mandates children under 18 to be listed on their parent's policy or have a separate auto insurance policy in their name.

  • If you're an out-of-state motorist journeying through Warwick, do local insurance stipulations apply to you?

    Yes. Warwick enforces Rhode Island's insurance benchmarks on all drivers, no matter where their vehicle hails from. The silver lining is most vehicle insurance agreements have a component that seamlessly adapts your protection level to align with the mandatory standards of any state you navigate through, a mechanism often dubbed as "out-of-state provision." This guarantees you remain safeguarded while cruising in Warwick.

  • What is a CARCO inspection for, and is it required for car owners in Warwick?

    Yes. For Warwick residents desiring certain auto insurance options, a CARCO evaluation is imperative. The assessment involves snapping a picture of your vehicle, detailing its present state, odometer readings, and additional fittings. The primary objective of these evaluations is to curtail deceitful activities, safeguarding both the vehicle owner and the insurance agency in the process.

  • 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.