According to 2010 data from Bankrate's Car Cost Index, motorists in Rhode Island spend an average of $999 per year on auto insurance alone, on top of some of the highest taxes and fees of any other state. In addition to a few other factors, that means vehicle ownership in the Ocean State is the 4th most expensive in the country, overall.
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 1,018 residents per square mile, which means a lot of drivers pack a relatively small area. More drivers can lead to more car accidents.
Lack of seat belt use
According to National Highway Traffic Safety Administration data from 2012, 77.5 percent of vehicle occupants wear seat belts in Rhode Island. That is significantly lower than the nationwide average of 86 percent.
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).