Car Insurance in Cranston, RI
If you commute to work or college regularly, you need good car insurance in Cranston.
Life in Cranston gives you amazing surroundings and excellent opportunities for work, study, recreation and relaxation. This city of 80,000 ranked 38 on Fortune's list of the Best Places To Live for Families in 2023. You can visit beautiful outdoor locations such as the Roger Williams Park Zoo and Botanical Center, stroll and shop at Garden City Center or go for a bike ride along the Pawtuxet River. Do you need car insurance in such an attractive place?
Even though Cranston's neighborhoods and destinations are quiet, its roadways aren't the same. Many major highways run through the city, and they get a huge volume of traffic every day:
Considering that nearly 80% of Cranston households commute by car, there's a good chance you have to deal with this kind of traffic every day. Of course, there is public transportation available, but realistically, less than 3% of families use it regularly.
It's not only the major highways that have traffic. The fact is that most of the families in Cranston own several vehicles. Almost 50% of households have two cars and another 25% own three or more vehicles. For couples who have teenagers or college-age kids, it's normal to have three or four cars.
The more cars there are driving around, the greater the risk of car accidents. Crashes can happen unexpectedly:
You can't predict how other drivers will react. You can only control your driving and do your best to get good car insurance in Cranston. VIU by HUB can help you by making it easy to compare different insurance providers and policies.
In addition to a high volume of traffic, Cranston (and other cities around Providence) has a problem with alcohol-related crashes and speeding. From 2021 to 2022, the Cranston Police Department arrested over 140 people for driving under the influence. This equates to more than one DUI per day.
Intoxicated and speeding drivers are especially dangerous when it comes to car accidents. This type of crash is more likely to cause severe or fatal injuries. To protect yourself, it's important to invest in personal injury coverage for your car insurance. You can't always avoid accidents, but you can make sure you have a way to pay for high-quality medical treatment and recovery afterward.
The average cost of Cranston auto insurance is about $225 a month or $2,700 a year. This is considerably higher than the U.S. average, though it's comparable to nearby cities.
The state of Rhode Island is usually an expensive place for car insurance due to several factors:
When shopping for car insurance locally, including underinsured and uninsured motorist coverage is highly recommended. These options can help you pay for accident-related expenses if the at-fault driver doesn't have enough insurance.
VIU by HUB can potentially help you save money on your car insurance in Cranston by giving you the freedom to customize. You can decide how much coverage you want for theft, collisions, injuries and other risks. That said, good insurance is worth the cost.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
