For a 40-year-old driver with a clean record, Warwick car insurance averages about $239 a month ($2,869 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% below the Rhode Island average of $248 a month. Of the insurers anyone can buy from, State Farm has the lowest full-coverage average in our Warwick table, at about $167 a month.
Warwick is the least expensive of the four Rhode Island cities we publish guides for. Our benchmark driver pays about $9 a month less here than the state average and about $83 a month less than in Providence.
Our data covers three ZIP codes with a Warwick mailing address, all within about $10 a month of each other, from $235 in 02886 to $245 in 02888.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Warwick 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 Warwick, RI?
Full coverage in Warwick averages $2,869 a year, or about $239 a month, for our benchmark driver. Liability-only coverage at Rhode Island’s 25/50/25 minimum averages $1,036 a year ($86 a month), and 50/100/50 liability with comprehensive and collision averages $2,764 ($230 a month).
- Full coverage (100/300/100, $500 deductibles): $2,869 a year ($239 a month)
- 50/100/50 with $500 deductibles: $2,764 a year ($230 a month)
- Liability only (25/50/25): $1,036 a year ($86 a month)
- Kent County: $2,801 a year ($233 a month) for full coverage
- Rhode Island average: $2,977 a year ($248 a month) for full coverage
- ZIP code range: $235 (02886) to $245 (02888) a month for full coverage
Cheap Car Insurance in Warwick: Companies Compared
- Lowest full-coverage average among insurers anyone can buy from: State Farm, at about $167 a month ($2,004 a year). USAA, which sells only to military families, is lower still, at about $122 a month.
- Next lowest: Travelers, at about $185 a month, then Progressive at $205.
- Lowest liability-only average among the five major insurers we compared (Allstate, Amica, GEICO, Progressive and Travelers) (25/50/25): Amica, at about $62 a month, then Progressive at $68.
- Also on our list: USAA at about $122 a month and Nationwide at $245 (USAA sells only to military families).
- Most expensive in our table: GEICO, at about $287 a month, $1,436 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 has the lowest average among the five major insurers we compared, at about $62 a month, with Progressive close behind at $68.
Full-coverage averages by insurer in Warwick
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 | $993 | $83 | $2,215 | $185 |
| Progressive | $815 | $68 | $2,464 | $205 |
| Amica | $747 | $62 | $2,865 | $239 |
| Allstate | $1,464 | $122 | $3,360 | $280 |
| GEICO | $1,162 | $97 | $3,440 | $287 |
| USAA (military families)* | $597 | $50 | $1,459 | $122 |
| State Farm* | $639 | $53 | $2,004 | $167 |
| Nationwide* | $1,338 | $112 | $2,944 | $245 |
| Warwick average | $1,036 | $86 | $2,869 | $239 |
This table uses Warwick ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Warwick Car Insurance Rates by ZIP Code
Across the three Warwick ZIP codes we price, full coverage for our driver ranges from about $235 a month in 02886 to $245 in 02888, a gap of $113 a year. In our data, 02886 is the least expensive Warwick ZIP code, and 02888, on the city’s north side, is the most expensive.
Lowest-priced Warwick ZIP code
Highest-priced Warwick ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Warwick’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: |
|---|---|---|---|---|---|
| 02886 | $1,032 | $86 | $2,821 | $235 | -2% |
| 02888 | $1,051 | $88 | $2,934 | $245 | +3% |
| 02889 | $1,027 | $86 | $2,852 | $238 | About average |
Your ZIP code matters
How Much More Does Better Coverage Cost in Warwick?
Raising liability limits from 50/100/50 to 100/300/100 adds about $105 a year on average in our Warwick data, with the same $500 deductibles. That’s about $9 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 Warwick?
No, for our benchmark driver. Comparing the four insurers in our rate-change comparison, in the same Warwick ZIP codes, their full-coverage average was $2,870 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 Warwick average above. Liability-only coverage at 25/50/25 limits rose 1.4%, led by GEICO, which raised its liability-only average 5.2%.
What Shapes Car Insurance Costs in Warwick
Warwick is in Kent County, which averages about $233 a month for full coverage, the second-most expensive of Rhode Island’s five counties in our data, after Providence County at $278.
Other Kent County towns cost about the same or a little less: West Warwick averages about $239 a month, Coventry $227 and East Greenwich $224. Prices depend on where in Rhode Island you live, not just on your car and driving record.
How Warwick 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.
Cranston, about five miles north, averages $292 a month, and Providence, about eight miles north, $322. Pawtucket, about 12 miles north, averages $288.
What Car Insurance Is Required in Warwick?
Drivers in Warwick 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 Warwick
- Compare State Farm and Travelers first. They have the two lowest full-coverage averages among insurers anyone can buy from in our Warwick table, about $167 and $185 a month.
- Quote several insurers. In our Warwick table, the lowest and highest averages among insurers anyone can buy from are about $120 a month apart for the same driver and car.
- Ask your insurer questions. Since Jan. 1, 2026, Rhode Island insurers can’t add a surcharge or penalty because you asked about your policy’s terms, according to the Department of Business Regulation.
- Take an accident prevention course at 55 or older. Under R.I. Gen. Laws 27-9-7.1, drivers 55 and older who complete a DMV-approved course get a premium reduction that lasts two years if they stay free of chargeable accidents and convictions.
- 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 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 car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Rhode Island home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Warwick 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 Warwick 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.
Warwick Car Insurance FAQ
For our benchmark driver, full coverage in Warwick averages about $239 a month ($2,869 a year) and liability-only coverage about $86 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 4% below the Rhode Island average of $248 a month.
Of the insurers anyone can buy from, State Farm has the lowest full-coverage average in our Warwick table, at about $167 a month, followed by Travelers at $185. USAA, which sells only to military families, is lower still, at about $122 a month. For liability-only coverage, Amica has the lowest average among the five major insurers we compared, at about $62 a month. 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.
Warwick, for our benchmark driver. Warwick full coverage averages about $239 a month and Providence about $322, a difference of about $83 a month for the same driver and car.
In our data, 02886 has the lowest full-coverage average in Warwick, at about $235 a month, and 02888 the highest, at about $245. The ZIP code table on this page lists all three.
In our Warwick data, full coverage (100/300/100 with $500 deductibles) averages about $239 a month and liability-only coverage at 25/50/25 limits about $86, a difference of about $153 a month ($1,833 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 Warwick full-coverage average was unchanged at about $2,870 a year. That’s within $1 of the Warwick average of $2,869, which includes Amica. Liability-only coverage at 25/50/25 limits rose 1.4%.
For our benchmark driver, full coverage in Warwick averages about $239 a month. Nearby, Cranston averages about $292, Providence about $322 and Pawtucket about $288. Warwick is the least expensive of these; 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.
