The cost of car insurance in Rhode Island varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. State Farm offers the cheapest rates at $1,319 a year for full coverage.
This comprehensive guide to buying car insurance for Rhode Island drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Rhode Island works and how much coverage you need.
- State Farm provides the most affordable annual rates for full coverage car insurance in Rhode Island, costing $1,319 per year.
- In Rhode Island, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Rhode Island costs around $646 annually for limits of 25/50/25, while liability-only coverage costs $808 per year for limits of 50/100/50.
- In Rhode Island, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 34%, a DUI raising rates by 71%, and an at-fault accident by up to 14%.
How much is car insurance in Rhode Island?
CarInsurance.com data found that drivers in Rhode Island pay $172 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Rhode Island by coverage level
In Rhode Island, the cost of car insurance can vary depending on how much coverage you purchase. Rhode Island drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Rhode Island for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $54 | $646 |
| Liability Only – 50/100/50 BI/PD | $67 | $808 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 | $2,061 |
State minimum car insurance in Rhode Island
Rhode Island’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
In Rhode Island, you can get state minimum car insurance for $646 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Rhode Island must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Rhode Island
Liability-only car insurance costs $808 in Rhode Island for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Rhode Island
On average, premiums for full coverage car insurance in Rhode Island cost $2,061 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Rhode Island
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Rhode Island pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Rhode Island car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Rhode Island by car model
Rhode Island car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Rhode Island.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Rhode Island
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Rhode Island drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,015 annually.
Drivers aged 16-19 pay $5,109 more for car insurance than Rhode Island drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,124 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,220 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,015 annually in Rhode Island.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,163 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Rhode Island
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Rhode Island, a DUI conviction lead to increased rates and you may see a rate hike of up to 71% as insurers categorize you as a high-risk driver.
Similarly, if you get a speeding ticket in Rhode Island, you’ll likely see an increase in your car insurance premium by up to 34% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Rhode Island after driving incidents:
- Speeding ticket: Up to 34% increase
- DUI conviction: 71% increase
- At-fault accident (bodily injury and property damage): 14% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Rhode Island for high-risk drivers
High-risk drivers in Rhode Island pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,147 |
| State Farm | $1,706 |
| Progressive | $1,927 |
| Travelers | $2,655 |
| Geico | $2,813 |
| Nationwide | $2,891 |
| American Family | $3,071 |
| Amica | $3,780 |
| Farmers | $4,400 |
| Allstate | $4,720 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Rhode Island
In Rhode Island, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Rhode Island by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in Rhode Island and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| State Farm | $366 | $455 | $1,319 |
| American Family | $527 | $666 | $1,833 |
| Progressive | $777 | $955 | $1,841 |
| Nationwide | $882 | $1,079 | $1,911 |
| Travelers | $559 | $831 | $1,946 |
| Amica Mutual | $535 | $710 | $2,206 |
| Geico | $646 | $825 | $2,292 |
| Allstate | $975 | $1,203 | $2,993 |
| Farmers | $916 | $975 | $3,336 |
| USAA | $352 | $421 | $1,147 |
Car insurance rates by city in Rhode Island
Johnston is Rhode Island’s most expensive city for car insurance at an average cost of $2,644 annually. Newport East is the state’s least expensive city, with an average car insurance rate of $1,585 annually.
Car insurance rates vary by city in Rhode Island for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
The table below shows the average annual car insurance premiums for Rhode Island’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,110 |
| State Farm | $1,150 |
| Travelers | $1,530 |
| Progressive | $1,570 |
| American Family | $1,592 |
| Nationwide | $1,623 |
| Amica | $1,878 |
| Geico | $2,185 |
| Allstate | $2,725 |
| Farmers | $2,889 |
How much does car insurance cost in Rhode Island per month?
The average cost of a full-coverage car insurance policy in Rhode Island costs $172 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $54 |
| Liability Only – 50/100/50 BI/PD | $67 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 |
Final thoughts on choosing car insurance in Rhode Island
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Rhode Island.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Rhode Island. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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