According to data compiled by Bankrate, motorists in Rhode Island spend an average of $1,142 per year on auto insurance alone, on top of some of the highest taxes and fees of any other state.
And although Esurance offers as many discounts as we can squeeze into your state's borders, there are still some trends in your state that impact your car insurance premiums.
Rhode Island is the second-most densely populated state in the country (not surprising, given it's also the smallest). There are 1,017 residents per square mile, which means a lot of drivers pack a relatively small area. More drivers can lead to more car accidents.
Seat belt use
According to National Highway Traffic Safety Administration data from 2013, 85.6 percent of vehicle occupants wear seat belts in Rhode Island. That was slightly lower than the nationwide average of 87 percent, but that's still a lot of drivers not taking the proper safety precautions when getting behind the wheel.
Wearing seat belts can, of course, protect you from injuries in an accident (and help you avoid those injury-related claims in the first place).