Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that State Farm offers the most affordable car insurance at $1,319 per year.
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 learn how auto insurance in Rhode Island works and how much insurance 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
Car insurance costs in Rhode Island can differ based on the coverage limit. To legally drive, Rhode Island residents must adhere to the minimum liability limits of 25/50/25.
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.
Below, you will find the rates for car insurance in Rhode Island for different coverage levels.
| 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 laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
The state minimum car insurance cost in Rhode Island is $646 a year. However, this basic coverage only offers limited protection. Rhode Island drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Rhode Island must purchase the minimum required car insurance to operate their vehicles on the road.
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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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Calculate the cost of car insurance in Rhode Island
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, residents in higher-risk neighborhoods in Rhode Island pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Rhode Island Car Insurance Rates by ZIP Code
Estimate car insurance in Rhode Island by car model
Car insurers in Rhode Island use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper 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.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Rhode Island, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Rhode Island can increase your premiums by up to 71% because insurers see you as a risky 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
In Rhode Island, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
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 this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Rhode Island
Drivers in Rhode Island can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
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 premiums differ across cities in Rhode Island and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
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.
Below, you’ll see the average annual car insurance cost of major cities in Rhode Island.
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?
In Rhode Island, a full coverage car insurance policy with 100/300/100 limits typically costs about $172 per month.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Rhode Island