For a 40-year-old driver with a clean record, Cranston car insurance averages about $292 a month ($3,507 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% above the Rhode Island average of $248 a month. Of the insurers anyone can buy from, State Farm and Travelers are effectively tied for the lowest full-coverage average in our Cranston table, at about $204 and $208 a month.
Cranston costs about $44 a month more than the statewide average for our benchmark driver. Our state guide shows how much car insurance costs in Rhode Island county by county, and Cranston is the second-most expensive of the four Rhode Island cities we publish guides for, about $30 a month less than Providence.
The three ZIP codes with a Cranston mailing address are priced within about $9 a month of each other, from $287 in 02921 to $296 in 02910.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Cranston ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Cranston, RI?
Full coverage in Cranston averages $3,507 a year, or about $292 a month, for our benchmark driver. Liability-only coverage at Rhode Island’s 25/50/25 minimum averages $1,169 a year ($97 a month), and 50/100/50 liability with comprehensive and collision averages $3,373 ($281 a month).
- Full coverage (100/300/100, $500 deductibles): $3,507 a year ($292 a month)
- 50/100/50 with $500 deductibles: $3,373 a year ($281 a month)
- Liability only (25/50/25): $1,169 a year ($97 a month)
- Providence County: $3,341 a year ($278 a month) for full coverage
- Rhode Island average: $2,977 a year ($248 a month) for full coverage
- ZIP code range: $287 (02921) to $296 (02910) a month for full coverage
Cheap Car Insurance in Cranston: Companies Compared
- Lowest full-coverage averages among insurers anyone can buy from, effectively tied: State Farm, at about $204 a month ($2,450 a year), and Travelers, at about $208 ($2,501). USAA comes in even lower, at about $149 a month, but it sells only to military families.
- Next lowest: Progressive, at about $239 a month, then Amica at $282.
- Liability only (25/50/25), among the five major insurers we compared (Allstate, Amica, GEICO, Progressive and Travelers): Amica and Progressive, effectively tied at about $74 and $76 a month.
- Also on our list: USAA at about $149 a month and Nationwide at $300 (USAA sells only to military families).
- Most expensive in our table: GEICO, at about $389 a month, $2,219 a year more than State Farm.
The statewide Rhode Island rate studies we reviewed are split on which insurer is cheapest for full coverage: four of the eight put Travelers first and four put State Farm first, apart from USAA, which sells only to military families. Among the seven published in 2026, Travelers leads four to three. For liability-only coverage at 25/50/25 limits, Amica and Progressive are effectively tied for the lowest average among the five major insurers we compared, at about $74 and $76 a month.
Full-coverage averages by insurer in Cranston
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $1,071 | $89 | $2,501 | $208 |
| Progressive | $909 | $76 | $2,867 | $239 |
| Amica | $884 | $74 | $3,380 | $282 |
| Allstate | $1,682 | $140 | $4,119 | $343 |
| GEICO | $1,300 | $108 | $4,669 | $389 |
| USAA (military families)* | $674 | $56 | $1,783 | $149 |
| State Farm* | $721 | $60 | $2,450 | $204 |
| Nationwide* | $1,510 | $126 | $3,599 | $300 |
| Cranston average | $1,169 | $97 | $3,507 | $292 |
This table uses Cranston ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Cranston Car Insurance Rates by ZIP Code
Across the three Cranston ZIP codes we price, full coverage for our driver ranges from about $287 a month in 02921 to $296 in 02910, a gap of $108 a year. Western Cranston’s 02921 is the least expensive Cranston ZIP code in our data, and 02910, on the east side next to Providence, is the most expensive.
Lowest-priced Cranston ZIP code
Highest-priced Cranston ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Cranston’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 02910 | $1,208 | $101 | $3,557 | $296 | +1% |
| 02920 | $1,180 | $98 | $3,516 | $293 | About average |
| 02921 | $1,120 | $93 | $3,449 | $287 | -2% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Cranston?
Raising liability limits from 50/100/50 to 100/300/100 adds about $134 a year on average in our Cranston data, with the same $500 deductibles. That’s about $11 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Cranston?
No, for our benchmark driver. Comparing the four insurers in our rate-change comparison, in the same Cranston ZIP codes, their full-coverage average was $3,539 a year both nine months earlier and in rates as of Aug. 31, 2026. Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Amica is left out of this comparison, which is why these averages differ from the Cranston average above. Liability-only coverage at 25/50/25 limits fell 1.2%, led by GEICO, which cut its liability-only average 4.5%.
What Shapes Car Insurance Costs in Cranston
Cranston is in Providence County, which averages about $278 a month for full coverage, the most expensive of Rhode Island’s five counties in our data. Cranston still costs less than Providence next door, at $322. For how Cranston compares with the rest of the state, see our guide to cheap auto insurance in Rhode Island, which compares these five insurers.
Johnston, which borders Cranston to the north, averages about $305 a month, while Warwick, to the south in Kent County, averages $239. Rhode Island insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Cranston Car Insurance Compares With Other Rhode Island Cities
More Rhode Island cities and towns are in the Rhode Island rates by city table, and you can compare states on our car insurance rates by state page.
Providence, about three miles north, averages $322 a month, and Warwick, about five miles south, $239. Pawtucket, about seven miles north, averages $288. Our state guide to auto insurance in RI also lists average Rhode Island car insurance costs by city and county.
What Car Insurance Is Required in Cranston?
Drivers in Cranston follow Rhode Island’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured motorist coverage, which also covers underinsured drivers, of $25,000 per person and $50,000 per crash
A $75,000 combined single limit can replace the separate liability limits. Only drivers who buy just the minimum liability limits can turn down uninsured motorist coverage, and they have to sign a rejection notice.
Our Rhode Island requirements guide covers the state’s weekly insurance checks and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Cranston
- Compare State Farm and Travelers first. They’re effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Cranston table, at about $204 and $208 a month.
- Quote several insurers. In our Cranston table, the lowest and highest averages among insurers anyone can buy from are about $185 a month apart for the same driver and car.
- Know which accidents can raise your rate. Under the Department of Business Regulation rating rule, an insurer can’t surcharge you for an accident with a property damage claim under $3,000, or for one in which you were 50% or less at fault.
- Ask for a re-rate if your credit improves. Rhode Island insurers can use credit-based insurance scores, but they must pass along any lower rate that better credit earns, under R.I. Gen. Laws 27-6-53.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Rhode Island, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Cranston Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 15 full-coverage premiums from five insurers across three Cranston ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Rhode Island’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Amica is left out of our rate-change comparisons, which cover the other four insurers. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published Rhode Island rate studies, scaled to our benchmark driver. They aren’t included in our averages.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Rhode Island law and the Rhode Island Department of Business Regulation. We refresh these figures when new rate data is released.
Cranston Car Insurance FAQ
For our benchmark driver, full coverage in Cranston averages about $292 a month ($3,507 a year) and liability-only coverage about $97 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 18% above the Rhode Island average of $248 a month.
Of the insurers anyone can buy from, State Farm and Travelers are effectively tied for the lowest full-coverage average in our Cranston table, at about $204 and $208 a month, followed by Progressive at $239. USAA, which sells only to military families, is lower still, at about $149 a month. For liability-only coverage, Amica and Progressive are effectively tied for the lowest average among the five major insurers we compared. The statewide Rhode Island rate studies we reviewed are split on which insurer is cheapest for full coverage: four of the eight put Travelers first and four State Farm, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Cranston, for our benchmark driver. Cranston full coverage averages about $292 a month and Providence about $322, a difference of about $30 a month for the same driver and car.
In our data, 02921 has the lowest full-coverage average in Cranston, at about $287 a month, and 02910 the highest, at about $296. The ZIP code table on this page lists all three.
In our Cranston data, full coverage (100/300/100 with $500 deductibles) averages about $292 a month and liability-only coverage at 25/50/25 limits about $97, a difference of about $195 a month ($2,338 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Rhode Island law doesn’t require full coverage, but a lender or leasing company may.
No, for our benchmark driver. Comparing the four insurers in our rate-change comparison (Amica is left out), their Cranston full-coverage average was unchanged at about $3,539 a year. That’s higher than the Cranston average of $3,507 because it leaves out Amica. Liability-only coverage at 25/50/25 limits fell 1.2%.
For our benchmark driver, full coverage in Cranston averages about $292 a month. Nearby, Providence averages about $322, Warwick about $239 and Pawtucket about $288. Warwick and Pawtucket are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
