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Which RI Zip Code Has the Highest Auto Insurance Rates and Why?

Wednesday, March 12, 2014

 

If you’re in zip code 02909 you’re paying the highest car insurance rates in Rhode Island. Experts say the high rates aren’t the result of car theft or vandalism, but rather the number of uninsured motorists on the road.
 
“Providence in general is vastly more expensive than elsewhere because of insurability. One out of four drivers on the road are driving without insurance. And the people with insurance are subsidizing all of those people,” said Edwin De Jesus, owner of Edwin De Jesus Allstate Insurance in Providence.
 
De Jesus said 02909 is Providence zip code that runs into Cranston. A 12-year veteran of the insurance business, De Jesus said rates go up every year. In his opinion, this will continue until Rhode Island adopts stronger car insurance regulation similar to regulations in Massachusetts.
 
“We operate in Rhode Island and Massachusetts. The one advantage Massachusetts has is you can’t get car registration without insurance. In Rhode Island, there’s no accountability for who has insurance and who doesn’t have insurance.”
 
Multiple factors considered in rates

Rhode Island insurance rates, like anywhere else, are based largely on factors such as driving record, age, gender and marital status. Insurance formulas also calculate lapsed or canceled policies, make, model, and year of your vehicle, and how your car is used. Rhode Island requires the name of your insurance company and your policy number to register a car or renew its registration. However, De Jesus said drivers have found loopholes that allow them to drive uninsured without detection.

“Customers will pay the down payment on the insurance and never make a payment again. When that policy expires and they need to register their car they’ll play the same game and take another policy.”
This game doesn’t work in Massachusetts, where insurance and registration are linked more securely.

“In Massachusetts, if your policy is canceled the insurance company notifies the registry. In 15 days, they cancel your registration. Our rates would be a hell of a lot cheaper if they did that here. There’s absolutely no accountability from our state level. If we mirrored the system in Massachusetts it would help everybody’s pockets.”

Using alternate zip codes to lower rates

Industry experts say some Rhode Islanders get around these astronomical rates by registering and insuring their vehicles in a different zip code where they work or own another property. If one can’t – or won’t – pull off this trick, the remaining option is the Rhode Island Automobile Insurance Plan. Established for high-risk drivers, this state insurance pool can be accessed by any insurance agent. The insurer that draws your name will likely charge crushing rates. After three years with a clean record, that insurer must offer you a standard policy.

Tim Foley, Business Manager at First Acura in Seekonk, said Massachusetts residents can typically drive right off the lot because their registration is proof of insurance.

“The car must be insured before it rolls off the lot. A Massachusetts customer can typically drive right off the lot because their registration wouldn’t be active if they didn’t have insurance,” Foley said.

“For Rhode Islanders, I have to call the insurance company, give them the VIN number and they fax over the insurance binder and the insurance card.”

Unless it’s a Sunday. Dealerships often can’t verify Rhode Island insurance information on Sundays because most insurance offices are closed.

Mathematically unforgiving
 
Calculating insurance rates is complicated and mathematically unforgiving. It’s about more than zip codes and legislation, said Edward M. Mazze. The well-known University of Rhode Island Professor of Business Administration served on the Governor’s Insurance Council under Almond and Carcieri.
 
“I’m definitely not an advocate for high insurance rates, but there are many reasons for them. Number one is the number of uninsured motorists. But the second reason is the number of drivers without licenses, which could be very significant,” Mazze said.
 
“People driving on a suspended license or who don’t have a license at all have a major impact on higher insurance rates. If these individuals get into an accident there could be costs that go well beyond the cost of the damages to the vehicle.”
 
Mazze, who described himself as an “educated layperson” on the subject of car insurance, said the accident and theft rates in Providence also play a large role in the rate calculations. He also said he’s not aware of anyone on the local level who is championing legislation that would result in lower insurance rates.
 
“The insurance companies spend a tremendous amount of money and effort to come up with a rate structure. Any legislator working on reducing that rate would make a lot of enemies.” 

 

Related Slideshow: 60 Most Dangerous Intersections in New England - 2014

Using the most recent available data, GoLocalProv has compiled a list of the Most Dangerous Intersections in New England.

See the methodology here

Since different states chose different time spans in which to accumulate their data (3-10 years), GoLocal standardized the tallies to a 3-year sum.

Prev Next

#60

Seymour, CT

Rt. 8 MM 18.58-18.81

Total Crashes: 11

Fatal Crashes: 0

Injury Crashes: 5

Crashes with Property Damage Only: 6

Source: CT DOT

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#59

Wethersfield, CT

Rt. 287 Mile Marker 1.58 (Near Rte 287 + Merritt Parkway)

Total Crashes: 22

Fatal Crashes: 0

Injury Crashes: 6

Crashes with Property Damage Only: 16

Source: CT DOT

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#58

Vernon, CT

Rt. 83 Mile Marker 11.80-11.89 (Route 83 + Route 30)

Total Crashes: 25

Fatal Crashes: 0

Injury Crashes: 7

Crashes with Property Damage Only: 18

Source: CT DOT

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#57

Hudson, NH

NH 111 (Ferry St.) + NH 3A (Chester St./Derry Rd.)

Total Crashes: 27.6

Fatal Crashes: 0

Injury Crashes: 7.5

Crashes with Property Damage Only: 20.1

Source: NH DOT

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#56

Tilton, NH

US 3 (Laconia Rd.) + NH 140 (Tilton Rd.)/1-93 NB Ex 20 Ramps)

Total Crashes: 20.7

Fatal Crashes: 0

Injury Crashes: 8.7

Crashes with Property Damage Only: 12

Source: NH DOT

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#55

Nashua, NH

Main St. + Canal St./Franklin St.

Total Crashes: 24.6

Fatal Crashes: 0

Injury Crashes: 9.3

Crashes with Property Damage Only: 15.3

Photo: Flickr/Bettyx1138

Source: NH DOT

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#54

Nashua, NH

Main St. + NH 111 (Spring St./Kinsley St.)

Total Crashes: 23.1

Fatal Crashes: 0

Injury Crashes: 9.6

Crashes with Property Damage Only: 13.5

Source: NH DOT

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#53

Salem, NH

NH 28 (N/S Broadway) + NH 38/NH 97 (Main St.)

Total Crashes: 22.5

Fatal Crashes: 0

Injury Crashes: 10.2

Crashes with Property Damage Only: 12.3

Source: NH DOT

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#52

Bridgeport, CT

Rt. 127 Mile Marker 1.02 (Rte 127 + Stillman St)

Total Crashes: 18

Fatal Crashes: 0

Injury Crashes: 11

Crashes with Property Damage Only: 7

Source: CT DOT

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#51

Concord, NH

NH 9 (Loudon Rd.) + D'Amante Dr. (Steeplegate Mall)

Total Crashes: 21.6

Fatal Crashes: 0

Injury Crashes: 10.5

Crashes with Property Damage Only: 11.1

Source: NH DOT

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#50

Williston, VT

94 US-2 + VT-2A

Total Crashes: 43.8

Fatal Crashes: 0

Injury Crashes: 8.4

Crashes with Property Damage Only: 38.4

Source: VT DOT

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#49

Manchester, NH

Bridge St. + NH 285 (Beech St.)

Total Crashes: 20.7

Fatal Crashes: 0

Injury Crashes: 12.6

Crashes with Property Damage Only: 8.1

Source: NH DOT

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#48

Concord, NH

NH 9 (Loudon Rd.) + Fort Eddy Rd./I-93 NB Ex 14 Off-Ramp

Total Crashes: 29.4

Fatal Crashes: 0

Injury Crashes: 11.7

Crashes with Property Damage Only: 17.7

Source: NH DOT

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#47

Berlin, VT

23 VT-62 + Berlin State Highway: Fisher Rd.

Total Crashes: 37.2

Fatal Crashes: 0

Injury Crashes: 10.2

Crashes with Property Damage Only: 30

Source: VT DOT

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#46

Bridgeport, CT

Rt. 127 Mile Marker .64 (Rte 127 + Barnum Ave)

Total Crashes: 31

Fatal Crashes: 0

Injury Crashes: 12

Crashes with Property Damage Only: 19

Source: CT DOT

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#45

Nashua, NH

Main St. + East Hollis St./West Hollis St.

Total Crashes: 24.9

Fatal Crashes: 0

Injury Crashes: 14.1

Crashes with Property Damage Only: 10.8

Source: NH DOT

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#44

Burlington, VT

11 US-7 + Main St., US-2

Total Crashes: 49.2

Fatal Crashes: 0

Injury Crashes: 10.2

Crashes with Property Damage Only: 42

Source: VT DOT

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#43

Waterbury, CT

Rt. 69 MM 18.39-18.49

Total Crashes: 55

Fatal Crashes: 0

Injury Crashes: 14

Crashes with Property Damage Only: 41

Source: CT DOT

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#42

Portland, ME

Fort Ave., Hartley St. + Forest Ave., Holly St.

Total Crashes: 45

Fatal Crashes: 0

Injury Crashes: 21

Crashes with Property Damage Only: 23

Source: ME DOT

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#41

Portland, ME

Fore River Pkwy. + Valley St., W. Commercial St.

Total Crashes: 64

Fatal Crashes: 0

Injury Crashes: 18

Crashes with Property Damage Only: 46

Source: ME DOT

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#40

Manchester, NH

NH 285 (Beech St.) + Cilley Rd.

Total Crashes: 20.4

Fatal Crashes: 0

Injury Crashes: 23.4

Crashes with Property Damage Only: 8.7

Source: NH DOT

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#39

Portland, ME

Allen Ave., Entrance to McDonalds + Z Rd., Forest Ave.

Total Crashes: 58

Fatal Crashes: 0

Injury Crashes: 20

Crashes with Property Damage Only: 38

Source: ME DOT

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#38

Westbrook, ME

Cumberland St. + Warren Ave.

Total Crashes: 83

Fatal Crashes: 0

Injury Crashes: 17

Crashes with Property Damage Only: 66

Source: ME DOT

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#37

Wallingford, CT

Rt. 5 MM 9.35-9.36

Total Crashes: 51

Fatal Crashes: 0

Injury Crashes: 22

Crashes with Property Damage Only: 29

Source: CT DOT

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#36

Berkshire, VT

4 FAS 0302, FAS 0307 + Town Rd. 0004

Total Crashes: 3.6

Fatal Crashes: 0.6

Injury Crashes: 3.6

Crashes with Property Damage Only: 0.6

Source: VT DOT

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#35

Williston, VT

67 US-2 + Industrial Ave.

Total Crashes: 20.4

Fatal Crashes: 0.6

Injury Crashes: 3

Crashes with Property Damage Only: 18

Photo: Flickr/Craig O'Neal

Source: VT DOT

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#34

Augusta, ME

Memorial Circle + Western Ave.

Total Crashes: 107

Fatal Crashes: 0

Injury Crashes: 19

Crashes with Property Damage Only: 88

Source: ME DOT

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#33

Burlington, VT

35 Main St. + St. Paul St.

Total Crashes: 18

Fatal Crashes: 0.6

Injury Crashes: 4.8

Crashes with Property Damage Only: 13.2

Source: VT DOT

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#32

Hartford, VT

7 US-5 + VT-14, US-4

Total Crashes: 31.8

Fatal Crashes: 0.6

Injury Crashes: 3.6

Crashes with Property Damage Only: 28.2

Source: VT DOT

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#31

Burlington, VT

5 Colchester Ave. + Barrett St.

Total Crashes: 20.4

Fatal Crashes: 0.6

Injury Crashes: 5.4

Crashes with Property Damage Only: 15

Source: VT DOT

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#30

Augusta, ME

Bangor St. + Cony Circle, Cony St.

Total Crashes: 126

Fatal Crashes: 0

Injury Crashes: 19

Crashes with Property Damage Only: 106

Photo: Flickr/Peter Gene

Source: ME DOT

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#29

Winooski City, VT

2 US-7, E. Canal St. + W. Allen St., VT-15, W. Center St.

Total Crashes: 103.2

Fatal Crashes: 0

Injury Crashes: 22.8

Crashes with Property Damage Only: 86.4

Source: VT DOT

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#28

Augusta, ME

Ramp off to Western Ave. + Western Ave.

Total Crashes: 99

Fatal Crashes: 0

Injury Crashes: 26

Crashes with Property Damage Only: 73

Source: ME DOT

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#27

Lowell, MA

Bridge St. + Veterans of Foreign Wars Highway

Total Crashes: 112

Fatal Crashes: 0

Injury Crashes: 34

Crashes with Property Damage Only: 78

Photo: Flickr/Peter Gene

Source: MA DOT

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#26

Hartford, CT

Rt. 44 Mile Marker 53.63 (Route 44 & Main St)

Total Crashes: 129

Fatal Crashes: 0

Injury Crashes: 38

Crashes with Property Damage Only: 91

Source: CT DOT

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#25

Holyoke, MA

Holyoke St. + Holyoke Mall at Ingleside

Total Crashes: 198

Fatal Crashes: 0

Injury Crashes: 29

Crashes with Property Damage Only: 169

Source: MA DOT

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#24

Lowell, MA

Veterans of Foreign Wars Highway + Varnum Ave.

Total Crashes: 165

Fatal Crashes: 0

Injury Crashes: 37

Crashes with Property Damage Only: 128

Source: MA DOT

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#23

Lewiston, ME

Old Greene Rd. + Randall Rd., Sabattus St.

Total Crashes: 33

Fatal Crashes: 1

Injury Crashes: 9

Crashes with Property Damage Only: 23

Photo: Flickr/Perthhdproductions

Source: ME DOT

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#22

Bangor, ME

Broadway, Hobart St. + Broadway, Burleigh Rd., Griffin Rd.

Total Crashes: 33

Fatal Crashes: 1

Injury Crashes: 13

Crashes with Property Damage Only: 19

Photo: Flickr/Ajimaxx

Source: ME DOT

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#21

Rutland City, VT

47 US-7 + US-4

Total Crashes: 40.2

Fatal Crashes: 1.2

Injury Crashes: 6

Crashes with Property Damage Only: 35.4

Photo: Flickr/Doug Kerr

Source: VT DOT

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#20

Cambridge, MA

Massachusetts Ave. + Vassar St.

Total Crashes: 41

Fatal Crashes: 1

Injury Crashes: 19

Crashes with Property Damage Only: 21

Photo: Flickr/The_th

Source: MA DOT

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#19

Worcester, MA

Main St. + Mill St.

Total Crashes: 53

Fatal Crashes: 1

Injury Crashes: 18

Crashes with Property Damage Only: 34

Photo: Flickr/jburwen

Source: MA DOT

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#18

Holyoke, MA

Main St. + Cabot St.

Total Crashes: 57

Fatal Crashes: 1

Injury Crashes: 18

Crashes with Property Damage Only: 38

Photo: Flickr/Nanypinya

Source: MA DOT

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#17

Waltham, MA

Main St. + Lyman St.

Total Crashes: 73

Fatal Crashes: 1

Injury Crashes: 18

Crashes with Property Damage Only: 54

Source: MA DOT

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#16

Bridgton, ME

Portland Rd., Willis Park Rd. + Portland Rd., Sandy Creek Rd.

Total Crashes: 20

Fatal Crashes: 2

Injury Crashes: 6

Crashes with Property Damage Only: 12

Photo: Flickr/gillicious

Source: ME DOT

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#15

Lincoln, RI

Interstate 295 + Exit 9 (RI 146)

Total Crashes: 160

Fatal Crashes: 1

Injury Crashes: 36

Crashes with Property Damage Only: 123

Photo: Flickr/Doug Kerr

Source: RI DOT

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#14

Stoughton, MA

Canton St. + School St.

Total Crashes: 39

Fatal Crashes: 2

Injury Crashes: 10

Crashes with Property Damage Only: 27

Photo: Flickr/Peter Gene

Source: MA DOT

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#13

Chelsea, MA

Revere Beach Pkwy. + Washington Ave.

Total Crashes: 39

Fatal Crashes: 2

Injury Crashes: 11

Crashes with Property Damage Only: 26

Photo: Flickr/Bettyx1138

Source: MA DOT

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#12

Warwick, RI

RI 37 + US 1 (Post Rd.)

Total Crashes: 293

Fatal Crashes: 0

Injury Crashes: 69

Crashes with Property Damage Only: 224

Photo: Flickr/eliduke

Source: RI DOT

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#11

North Smithfield, RI

RI 146 + Sayles Hill Rd.

Total Crashes: 193

Fatal Crashes: 1

Injury Crashes: 37

Crashes with Property Damage Only: 155

Source: RI DOT

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#10

Warwick, RI

Interstate 95 + Exit 14 (RI 37)/Exit 15 (Jefferson Blvd.)

Total Crashes: 181

Fatal Crashes: 1

Injury Crashes: 50

Crashes with Property Damage Only: 130

Photo: Flickr/ER24 EMS (Pty) Ltd.

Source: RI DOT

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#9

Johnston, RI

Interstate 295 + Exit 6 (US 6/US 6A)

Total Crashes: 179

Fatal Crashes: 1

Injury Crashes: 54

Crashes with Property Damage Only: 124

Photo: Flickr/Doug Kerr

Source: RI DOT

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#8

Cranston, RI

RI 2 Reservoir Ave. + RI 12 (Park Ave.)

Total Crashes: 234

Fatal Crashes: 1

Injury Crashes: 47

Crashes with Property Damage Only: 186

Source: RI DOT

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#7

Hopkinton, RI

RI 138 (Spring St.) + Wincheck Pond Rd. to Soap House Ln.

Total Crashes: 4

Fatal Crashes: 3

Injury Crashes: 0

Crashes with Property Damage Only: 1

Source: RI DOT

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#6

Middletown, CT

Rt. 17 MM 21.55-22.14

Total Crashes: 372

Fatal Crashes: 0

Injury Crashes: 107

Crashes with Property Damage Only: 265

Source: CT DOT

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#5

Charlestown, RI

US Post Rd. SB + Kings Factory Rd. to RI 216 (Ross Hill Rd.)

Total Crashes: 51

Fatal Crashes: 3

Injury Crashes: 8

Crashes with Property Damage Only: 40

Source: RI DOT

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#4

Providence, RI

Interstate 95 + Exit 18 (Thurbers Ave.)

Total Crashes: 296

Fatal Crashes: 1

Injury Crashes: 79

Crashes with Property Damage Only: 216

Source: RI DOT

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#3

Somerville, MA

Mystic Ave. + Fellsway

Total Crashes: 91

Fatal Crashes: 3

Injury Crashes: 24

Crashes with Property Damage Only: 64

Source: MA DOT

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#2

Pawtucket, RI

Interstate 95 + Exit 29 (US 1/Broadway/Cottage St.)

Total Crashes: 191

Fatal Crashes: 2

Injury Crashes: 55

Crashes with Property Damage Only: 134

Source: RI DOT

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#1

New Haven, CT

Merritt Parkway Mile Marker 46.42-47.03

 

Total Crashes: 561

Fatal Crashes: 0

Injury Crashes: 125

Crashes with Property Damage Only: 436

Source: CT DOT

 
 

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Comments:

Does anyone think the trouble with too many uninsured drivers will get any better by giving illegal aliens driver's licenses?

Comment #1 by David Beagle on 2014 03 12

Answer; it won't.

The whole concept of giving illegal aliens driver's license is patently ridiculous. But yet, the progressives in the crowd will find some rationale as to why it should be allowed.

Not surprising that RI does a poor job regulating "mandatory" insurance.
Just one more example of why so many illegals flow into our little state. Let's see how long it takes the apologists to respond!

Comment #2 by Walter Miller on 2014 03 12

Walter right on. The liberal answer to these higher rates will be give people here illegally licences so they can get insurance. You know, because they respect the laws so much.

Comment #3 by Redd Ratt on 2014 03 12

If I renew my registration and my inspection sticker has expired, I get a notice to get it done. Can it be that difficult to deal with insurance the same way? If you cancel your insurance or don't pay the second installment and it lapses, have the DMV cancel the registration and make it expensive as hell to renew it. How hard is that??

Comment #4 by alan clarke on 2014 03 12

This is exactly why I gave up owning a car in RI. I moved from Pittsburgh 7 years ago where I paid a whopping $30/month to insure my trusty station wagon. I moved to RI and it more than doubled. Now, I live in 02909, have a perfect driving record and great credit yet had to pay over a $100/month for state minimums on a 12 year old car. I refuse to own a car in this state and refuse to subsidize other drivers who can't be bothered to pay for insurance and are horrible drivers on top of it. The current model of "insurance regulation" is unsustainable. For me, I don't have to dole out my hard earned money to the state in fuel taxes, sales taxes to repair shops and property tax to the City of Providence for their pot hole ridden streets. Get it together RI!

Comment #5 by JIm Smith on 2014 03 12

Seems like Providence rates are a bit high. I live in 02886 (Warwick) and my rates are less than half of what you guys are reporting. Who is insuring you? I'm paying $29/month for my Civic. While it's not full coverage, it's certainly more than enough. I found this rate thru Insurance Panda. (like priceline for insurance)
I guess its pretty obvious that Providence rates are higher than Kent County rates, but it shouldn't be THAT much expensive. Does this mean that people out in Washington County are paying like $20/month for their premiums?

Comment #6 by Clara Stanton on 2014 03 12

so what this saying is don't bother to buy insurance, some other will pay your share

Comment #7 by bob ingerson on 2014 03 12

An area where you have to dodge 15 year old baffed out, blue headlight, scraping the ground Civics driven by moron looking ESL types with the seat pushed all the way back like Dan Gurney makes for wicked high Uninsured Motorist rates which in liddle ole Rhode Island get passed on to the rest of us as a "Manditory" coverage item. In other words, WE pay for the damage caused by the uninsured. Oh, ya think the ESLs will bother to get insurance? It's an excuse now... Si, I rear ended you, I can't make no settlement on dis one (YES they all know the word settlement) but I no habola and got no IN surance so bye bye.

Comment #8 by G Godot on 2014 03 13

It's simple, so simple even Sammy can understand it, insurance companies know it's FAR easier to bill YOU, who PAYS his insurance bill, for uninsured motorist coverage, because you WILL pay than it is to try to deal with segment of the driving population which knows in this half bleep state paying for a month to get the documents showing coveage, and then NEVAH paying another payment, is the KUEL thing to do. If he hits YOU, your company pays, if you hit HIM, doesn't matter what his insrance status is, he get dee settlement, again, from YOUR company. Get the idea? The LONG faces on those uninsured who thought they could collect from ANOTHER uninsured driver are interesting to behold. smile Why, they have that big TV picked out before the rescue wagon arrives.
Nothing in Rhode Island law says you HAVE to have a Rhode Island license to BUY and INSURE a car here , AND if you had a license from whatever third would hell hole you "migrated" from, an intenational license document based on it will allow you to DRIVE on that.
Drivers licenses for illegals, hyped by every lefty in the state is a joke, and only sets the stage for letting them VOTE as well.

Comment #9 by G Godot on 2014 03 15




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