Butler & Messier, Inc.
1401 Newport Avenue, Pawtucket, RI 02861
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Pawtucket households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1401 Newport Avenue, Pawtucket, RI 02861
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150 Main St, Pawtucket, RI 02860
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100 East Avenue, Pawtucket, RI 02860
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100 Armistice Blvd, Pawtucket, RI 02860
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664 Armistice Blvd, Pawtucket, RI 02861
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664 Armistice Blvd, Pawtucket, RI 02861
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141 Power Rd, Suite 201, Pawtucket, RI 02860
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Learn about insurance coverage options specific to Pawtucket residents.
Pawtucket insurance costs $2,499/year for auto, $2,080 for home. Compare rates, find local agents, and save on coverage in Providence County.
Home InsuranceHome insurance in Pawtucket, RI averages $1,550-$2,080/year. Learn about flood risk, historic mill coverage, winter weather protection, and rates.
Car InsurancePawtucket auto insurance guide: RI's 25/50/25 requirements, at-fault system, I-95 corridor impact on rates, and how to find affordable coverage in 2025.
Rhode Island drivers pay an average of $2,499 per year for full coverage auto insurance, though rates vary significantly by carrier. Progressive offers the lowest average rates at $1,889 annually, while minimum coverage policies average around $761 per year. Your specific rate depends on your age, driving record, credit score, and the neighborhood where you park your car.
Most of Pawtucket is in FEMA Zone X, which means flood insurance isn't required by mortgage lenders. However, the city's proximity to the Blackstone River and Rhode Island's increasingly severe rainfall events make flood coverage worth considering. The average flood insurance policy in Rhode Island costs $1,329 per year, and your specific risk depends on your property's elevation and distance from water.
Rhode Island requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). You can also choose a single-limit policy of $75,000 instead. While these limits keep you legal, they often aren't enough to fully protect you financially after a serious accident.
Rhode Island homeowners pay an average of $2,080 per year for homeowners insurance, close to the national average. However, rates vary widely based on your home's age, your credit score, and your specific location. Homeowners with poor credit pay about 67% more than those with good credit, and older homes typically cost more to insure than newer construction.
Yes, bundling your policies can save you 15-25% on your total premium with most insurers. This is one of the easiest ways to lower your insurance costs in Pawtucket. Get quotes from multiple carriers to see who offers the best bundled rate, as the discount percentage varies by company.
Rhode Island ranks as one of the more expensive states for auto insurance, coming in 33rd out of 50 states for full coverage affordability. High population density, older infrastructure, winter weather conditions, and the state's no-fault insurance history all contribute to higher rates. Shopping around between carriers can make a significant difference—rates vary by $500 or more annually for identical coverage.
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