Best cheap car insurance in RI
Travelers and Progressive are the cheapest companies for most people in Rhode Island.
- Want full coverage? Travelers: $196/mo
- Only need minimum coverage? Travelers: $63/mo
- Want the best customer service? Amica: $306/mo
- Have a speeding ticket? Progressive: $297/mo
- Caused an accident? Progressive: $221/mo
- Need coverage for a teen? Progressive: $270/mo
- Got a DUI? Progressive: $270/mo
- Have poor credit? Progressive: $356/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage auto insurance in RI: Travelers and USAA
Travelers and USAA have the cheapest full coverage car insurance in Rhode Island.
- Travelers charges around $196 per month for full coverage, which is $80 per month less than the Rhode Island average. However, Travelers doesn't have great customer service reviews.
- Amica offers the best customer service, at $306 per month. But at $110 per month more than a policy from Travelers, it's far from the cheapest option.
- USAA has the cheapest full coverage rates for Rhode Island drivers with military connections, at $124 per month. However, USAA is only available to military members, veterans and some of their family members.
Find Cheap Car Insurance Quotes in Rhode Island
Cheapest full coverage auto insurance rates in Rhode Island
Company | Monthly rate |
|---|---|
| Travelers | $196 |
| Progressive | $212 |
| Allstate | $264 |
| Geico | $276 |
| USAA | $124 |
USAA is only available to current and former military members and their families.
Data-powered research on Rhode Island car insurance
Cheapest liability car insurance quotes in RI: Travelers
- Travelers is the cheapest option for minimum liability car insurance quotes in Rhode Island. At an average of just $63 per month, minimum liability coverage from Travelers costs $44 per month less than the Rhode Island average.
- Rhode Island drivers should also compare quotes from Progressive. Its rates are $14 more than Travelers, but still $30 per month cheaper than the typical price statewide.
Best cheap liability-only car insurance in Rhode Island
Company | Monthly rate |
|---|---|
| Travelers | $63 |
| Progressive | $77 |
| Geico | $103 |
| Amica | $104 |
| USAA | $50 |
USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Rhode Island
Auto insurance quotes in Rhode Island by city
- Travelers has the cheapest full coverage insurance in 84% of cities and towns across Rhode Island, including Providence and Warwick. Progressive has the cheapest rates in the remaining 16% of Rhode Island cities, including Newport.
- Newport East, a neighborhood in Middleton, is the cheapest city in Rhode Island for car insurance. Drivers in Newport East pay an average of $212 per month for a full coverage policy.
- Providence, the state capital, has the most expensive rates in Rhode Island. At $372 per month, full coverage car insurance in Providence is $97 per month more than the state average. That could be because Providence has higher rates of car theft than the other parts of Rhode Island.
Find Cheap Car Insurance Quotes in Rhode Island
Cheapest full coverage car insurance rates by Rhode Island city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Providence | $372 | Travelers | $265 |
| Warwick | $273 | Travelers | $203 |
| Cranston | $337 | Travelers | $251 |
| Pawtucket | $327 | Travelers | $235 |
| East Providence | $298 | Travelers | $214 |
| Woonsocket | $275 | Travelers | $184 |
| Newport | $223 | Progressive | $162 |
| Central Falls | $339 | Travelers | $228 |
| Adamsville | $265 | Travelers | $172 |
| Albion | $271 | Travelers | $190 |
| Ashaway | $234 | Progressive | $164 |
| Barrington | $259 | Travelers | $181 |
| Block Island | $234 | Progressive | $139 |
| Bradford | $235 | Progressive | $163 |
| Bristol | $244 | Travelers | $167 |
| Carolina | $243 | Progressive | $168 |
| Charlestown | $242 | Travelers | $156 |
| Chepachet | $271 | Travelers | $190 |
| Clayville | $285 | Travelers | $208 |
| Coventry | $256 | Travelers | $189 |
| Cumberland | $277 | Travelers | $165 |
| Cumberland Hill | $276 | Travelers | $165 |
| East Greenwich | $271 | Travelers | $200 |
| Exeter | $245 | Travelers | $174 |
| Fiskeville | $294 | Travelers | $198 |
| Forestdale | $275 | Progressive | $198 |
| Foster | $285 | Travelers | $198 |
| Glendale | $281 | Travelers | $198 |
| Greene | $257 | Travelers | $178 |
| Greenville | $289 | Travelers | $202 |
| Harmony | $279 | Travelers | $207 |
| Harrisville | $268 | Travelers | $195 |
| Hope | $286 | Travelers | $204 |
| Hope Valley | $237 | Progressive | $172 |
| Hopkinton | $236 | Progressive | $166 |
| Jamestown | $217 | Progressive | $159 |
| Johnston | $351 | Travelers | $247 |
| Kenyon | $244 | Travelers | $174 |
| Kingston | $245 | Travelers | $155 |
| Lincoln | $297 | Travelers | $209 |
| Little Compton | $221 | Travelers | $161 |
| Manville | $277 | Travelers | $184 |
| Mapleville | $271 | Travelers | $196 |
| Melville | $217 | Travelers | $160 |
| Middletown | $213 | Travelers | $152 |
| Misquamicut | $219 | Travelers | $144 |
| Narragansett | $243 | Travelers | $168 |
| Narragansett Pier | $243 | Travelers | $168 |
| Newport East | $212 | Travelers | $152 |
| North Kingstown | $247 | Travelers | $190 |
| North Providence | $369 | Travelers | $265 |
| North Scituate | $276 | Travelers | $193 |
Best car insurance in Rhode Island: Amica
-
Full coverage rate$306/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGreatClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA+An A+ financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Rhode Island based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Rhode Island
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap auto insurance in Rhode Island after a speeding ticket: Progressive
- Progressive has the best car insurance rates for Rhode Island drivers with a recent speeding ticket. At an average of $297 per month, a full coverage policy from Progressive is $69 per month cheaper than the state average.
- Amica also offers cheap rates after a ticket, at $306 per month. It also has the best customer service in Rhode Island.
Cheapest Rhode Island auto insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| Progressive | $297 |
| Amica | $306 |
| Allstate | $326 |
| Travelers | $364 |
| USAA | $142 |
USAA is only available to current and former military members and their families.
Rhode Island drivers with a speeding ticket pay an average of $365 per month on full coverage auto insurance. That's 33% more than a driver with a clean driving record.
In Rhode Island, speeding is a factor in around 45% of traffic deaths.
That's partially why car insurance companies typically raise your rates after a speeding ticket — they believe you're a risky driver more likely to cause an expensive accident in the future.
Cheapest Rhode Island auto insurance after an accident: Progressive
Progressive has the most affordable car insurance for drivers with a recent accident in Rhode Island. Full coverage from Progressive costs $221 per month after an accident, on average, which is $142 per month less than the overall Rhode Island average.
Best cheap car insurance companies in RI after an accident
Company | Monthly rate |
|---|---|
| Progressive | $221 |
| Allstate | $264 |
| Travelers | $272 |
| Geico | $356 |
| USAA | $124 |
USAA is only available to current and former military members and their families.
In Rhode Island, car insurance rates increase by an average of 32% after a single at-fault accident.
You don't need to worry about switching insurance companies right after your accident. Your rates won't go up until your current policy renews. However, any quotes you get now will likely be more expensive than your current rate, because they include your accident.
Instead, you should start shopping for quotes when you get your renewal letter in the mail, which is typically a few weeks to a month before your current policy expires.
Best auto insurance rates in RI for teens: Progressive and Allstate
- Minimum coverage: Progressive has the lowest minimum coverage rates for young drivers in Rhode Island, at around $270 per month for an 18-year-old, on average. That's $185 per month cheaper than the state average.
- Full coverage: Allstate has the cheapest full coverage quotes for teens. At $690 per month, full coverage from Allstate costs $391 less per month than the Rhode Island average.
- Military ties: USAA offers even cheaper rates for Rhode Island teens, at $220 per month for a liability-only policy and $526 per month for full coverage. However, only military members, veterans and their families can buy car insurance from USAA.
Affordable insurance in RI for teens
Company | Liability only | Full coverage |
|---|---|---|
| Progressive | $270 | $711 |
| Allstate | $279 | $690 |
| Geico | $342 | $832 |
| Amica | $532 | $1380 |
| USAA | $220 | $526 |
USAA is only available to current and former military members and their families.
Rhode Island teens pay around four times as much for car insurance compared to 30-year-old drivers. That's because teen drivers have less experience behind the wheel, which means they're more likely to get into accidents.
The best way for young drivers to lower their car insurance payments is by sharing a car insurance policy with a parent or older relative. Shared policies are typically much cheaper than buying two separate policies.
In addition, many car insurance companies have discounts geared toward young drivers. For example, Allstate offers a smart student discount. You can earn this discount if you have a B- GPA or higher, complete a driver education program or go to college away from home and don't bring your car with you.
Cheap insurance in RI for teens with a ticket or accident: Progressive and Allstate
Progressive and Allstate have the cheapest rates for Rhode Island teens with bad driving records. It's a good idea for teen drivers to get quotes from both companies to see which offers them cheaper prices.
- Progressive charges an average of $298 per month after a speeding ticket and $281 per month after an accident. Those are each more than $200 per month cheaper than the state average.
- Allstate charges about the same rates: $310 per month after a ticket and $279 after a crash you caused.
Cheapest RI car insurance for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Progressive | $298 | $281 |
| Allstate | $310 | $279 |
| Geico | $478 | $399 |
| Amica | $532 | $671 |
| USAA | $323 | $220 |
USAA is only available to current and former military members and their families.
Teens with bad driving records can save on car insurance by:
- Comparing rates from multiple companies. The difference between the most and least expensive insurance companies for a young driver is more than $500 per month after a ticket or accident.
- Sharing a policy with your parents. Their auto insurance rates will increase, but it will usually still be much cheaper than getting two separate policies.
- Looking for discounts. Most insurance companies have discounts for young drivers, including ones for getting good grades.
Affordable car insurance in Rhode Island after a DUI: Progressive
Progressive has the cheapest quotes for Rhode Island drivers with a DUI, at an average cost of $270 per month for full coverage. That's less than half the Rhode Island average after a DUI.
Company | Monthly rate |
|---|---|
| Progressive | $270 |
| Travelers | $384 |
| Allstate | $396 |
| Farmers | $737 |
| USAA | $293 |
USAA is only available to current and former military members and their families.
Car insurance rates in Rhode Island usually more than double after a DUI. In addition, you may have to get SR-22 insurance after a DUI. Most insurance companies charge between $15 and $50 to file an SR-22 form for you. That fee is on top of any increase to your car insurance rates.
Cheapest car insurance for RI drivers with poor credit: Progressive
Progressive has the most affordable car insurance in Rhode Island for drivers with bad credit. A full coverage policy from Progressive costs an average of $356 per month, which is $144 per month less than the Rhode Island average.
Cheapest auto insurance quotes in RI for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $356 |
| Geico | $395 |
| Amica | $421 |
| Travelers | $469 |
| USAA | $255 |
*USAA is only available to current and former military members and their families.
Drivers with bad credit scores pay an average of $224 per month more for full coverage insurance in Rhode Island than those with good credit. Having poor credit shows nothing about your driving, but insurance companies believe drivers with poor credit are more likely to file claims.
Is your car insurance company raising rates in Rhode Island in 2026?
A handful of major insurance companies have raised their rates in Rhode Island in 2026.
- ↑ Biggest increase: Mapfre at +4.0%
- ↑ 2nd biggest increase: AAA and Amica at +2.0%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| Mapfre | ↑ 4.0% | ↑ 50.1% |
| AAA | ↑ 2.0% | ↑ 24.9% |
| Amica | ↑ 2.0% | ↑ 22.1% |
| Allstate | ↑ 1.1% | ↑ 13.0% |
| American Family | ↑ 0.1% | ↑ 42.0% |
| Liberty Mutual | ↑ 0.1% | ↑ 40.7% |
| Geico | 0.0% | ↑ 50.2% |
| USAA | 0.0% | ↑ 27.2% |
| Farmers | 0.0% | ↑ 25.0% |
| Progressive | 0.0% | ↑ 18.8% |
| Travelers | 0.0% | ↑ 2.6% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Don't rush to switch insurance companies just because your bill went up. Even companies that haven't yet had an increase in 2026 still tend to raise their car insurance rates over time.
Rhode Island minimum car insurance coverage
Rhode Island drivers must have a minimum amount of auto insurance to legally drive in the state, which is often written as 25/50/25. Rhode Island isn’t a no-fault state, so drivers don't need to have personal injury protection (PIP).
Minimum coverage limits required in Rhode Island
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000
- Uninsured and underinsured motorist coverage: $25,000 per person/$50,000 per accident for bodily injury, $25,000 for property damage
If you get into an accident that results in property damage, injury to another person or even the death of someone, owning an insurance policy can exempt you from providing extra security — or proof of financial responsibility. We don't recommend doing so, but you may choose to satisfy the law through one of the following means:
Surety bond: A surety bond issued by a licensed surety company can be accepted as your security after an accident. This bond is only valid if its terms state that the surety company will pay for any bodily injuries and property damage you cause in an accident, up to the same limits as a minimum policy (25/50/25). You should know that the main difference between a policy and a bond is that a surety company will make you pay the money back.
Certificate of deposit: You can get this certificate from the Rhode Island general treasurer if you submit two things: $75,000 in cash or securities (such as a government bond or note, which can be legally purchased by savings banks), plus proof, if you were ever involved in an accident before, that there are no records of unsatisfied judgments against you in the county where you live.
In Rhode Island, driving without proof of financial security is illegal. Proof of financial security includes things like depositing $75,000 with the state, but it is most commonly satisfied by carrying at least the minimum required liability car insurance amounts.
Violating the law can lead to a fine of up to $1,000 and license suspension of up to 12 months, whether you were caught driving without insurance or a random verification request from the state discovers you're uninsured.
Potential fines and penalties for driving without insurance in Rhode IslandFirst offense:
- Fine: $100 to $500
- Driving privileges: Driver's license, registration and/or plates suspended for three months
- Other fees: $30 to $50 to reinstate your driver's license and registration
Second offense:
- Fine: $500
- Driving privileges: Driver's license, registration and/or plates suspended for six months
- Other fees: $30 to $50 to reinstate your driver's license and registration
Third and subsequent offenses:
- Fine: $1,000
- Driving privileges: Driver's license, registration and/or plates suspended for up to one year
- Other fees: $30 to $50 to reinstate your driver's license and registration
What's the best car insurance coverage for RI drivers?
Full coverage car insurance is the best choice for most people in Rhode Island.
One reason for this is that full coverage car insurance includes comprehensive and collision coverage, which pay for many types of damage to your car.
For that reason, most lenders require you to have full coverage if you have a car loan or lease. It's also a good idea if your car is less than eight years old or worth more than $5,000.
In addition, full coverage car insurance can have higher liability limits than the state requirement. This is important because the minimum requirement may not be high enough to cover the cost of a major accident.
For example, if you hit and total a new or expensive car, $25,000 of property damage liability coverage probably won't cover the cost to replace it. That means you'll have to pay the difference out of pocket.
Frequently asked questions
How much is car insurance in RI?
The average cost of car insurance in Rhode Island is $276 per month for full coverage and $107 per month for minimum coverage.
Why is Rhode Island car insurance so expensive?
Rhode Island is the sixth-most-expensive state in the country for both minimum and full coverage car insurance. Rhode Island has a higher percentage of uninsured drivers compared to other states, which can make insurance more expensive. It also has a higher percentage of traffic deaths caused by DUIs than many other states.
How much is car insurance in Providence, RI
The average cost of car insurance in Providence is $372 per month. That's $97 per month more than the Rhode Island state average.
Who has the cheapest car insurance in Rhode Island?
In 2026, Travelers is the cheapest auto insurance company in Rhode Island. Full coverage car insurance from Travelers costs around $196 per month, which is 29% cheaper than the Rhode Island average. It also has the cheapest minimum liability coverage, at $63 per month.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across Rhode Island for the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Rates are for a full coverage policy and include liability limits above the minimum, as well as collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Uninsured/underinsured motorist property damage: $25,000
- Comprehensive and collision: $500 deductible
To determine the best-rated insurance companies in Rhode Island, our experts evaluated companies based on their overall levels of customer service, price and coverage options. They also reviewed complaint index numbers from the National Association of Insurance Commissioners (NAIC), J.D. Power's customer satisfaction survey and AM Best's financial strength ratings.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Auto insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Rhode Island Department of Business Regulation. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
