Best car insurance in Rhode Island
To help you find the best cheap Rhode Island auto insurance, our editorial team gathered quotes from top insurance companies across each ZIP code in the state. Quotes for minimum coverage meet the RI state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $25,000 in property damage liability insurance and matching uninsured motorist coverage. Quotes for full-coverage policies include higher liability limits than state minimums along with comprehensive and collision protection.
Additionally, we rated the best car insurance companies in Rhode Island based on affordability for different drivers, customer service reviews, convenience and coverage availability.
The average cost of car insurance in Rhode Island is $1,126 per year, or about $94 per month, for minimum liability.
Cheapest auto insurance in Rhode Island: Travelers
Travelers is the cheapest company for minimum liability car insurance quotes in Rhode Island, at just $42 per month on average. That's about 55% cheaper than the Rhode Island state average for a minimum-coverage policy.
Amica and USAA also have cheaper-than-average quotes.
Find Cheap Auto Insurance Quotes in Rhode Island
Cheapest RI car insurance companies
Cheapest company in RI for full-coverage quotes: Travelers
Travelers is the cheapest auto insurance company in Rhode Island for a full-coverage car insurance quote, with an average rate of just $110 per month. Rhode Island's average full-coverage car insurance rate is $198 per month.
Amica's rates are also affordable, with an average rate of $194 per month, putting it slightly below the average rate statewide.
Cheapest RI full coverage car insurance
Full-coverage car insurance includes liability coverage and comprehensive and collision insurance. Drivers who want to protect themselves for damage to their own cars should consider a full-coverage policy.
A minimum-coverage policy does not include collision coverage, which covers damage to your car if you crash into another vehicle, or comprehensive coverage, which covers situations like hitting a deer.
Cheapest Rhode Island car insurance for drivers with prior incidents
Travelers consistently offers the best quotes for higher-risk drivers in Rhode Island. Insurance companies use your history to assess your risk as a customer. Rhode Island drivers who have accidents, citations or traffic violations as part of their driving history typically have higher quotes than drivers with a clean driving record.
Find Cheap Auto Insurance Quotes in Rhode Island
Cheapest car insurance for people with a speeding ticket in Rhode Island: Travelers
Travelers offers the best rate for car insurance after a speeding ticket in Rhode Island, at $132 per month for full coverage. That's 47% less than the average monthly rate.
Drivers with a speeding ticket will not only pay a hefty sum for their fine, but they will also likely see their insurance rates increase. Rhode Island drivers with a speeding ticket spend an average of $3,007 annually on full-coverage auto insurance — $26% more than drivers with a clean driving record.
Cheapest car insurance quotes for drivers after an accident: Travelers
Travelers has the least expensive full-coverage policy for drivers with an accident history in Rhode Island, with an average monthly rate of $120 for full coverage. The second-best widely available option is Progressive, where the average rate is $204 per month.
Accident history is one of the many factors that insurance companies take into consideration when estimating a quote. Rhode Island drivers who have been in just one at-fault accident have rates that are 26% more expensive on average than rates for drivers without an accident history.
Cheapest RI car insurance companies with an accident history
Cheapest Rhode Island car insurance for drivers with a DUI: Travelers
Travelers has the cheapest quotes for Rhode Island drivers with a DUI, with an average cost of $151 per month for full coverage. If you have been charged with driving under the influence, your car insurance rate will likely increase dramatically — the average rates in Rhode Island more than double after a DUI.
There aren't many alternatives that are close to Travelers' cheap rates. Progressive has the second-cheapest quote for drivers with a DUI, but it's almost $1,000 more per year than Travelers. This difference underlines why it's so important to compare rates from multiple companies, especially if you have a recent incident on your driving record.
Cheapest car insurance for RI drivers with poor credit: Travelers
Travelers is the best company in Rhode Island for drivers with bad credit, with a monthly quote that's about half the rate of the state average — just $185 per month for full coverage.
Many insurance companies use your credit score as an indicator of how risky you are to insure. If you have poor credit, you're likely to pay more for car insurance than someone with excellent credit.
Cheapest RI car insurance companies for poor credit
Cheapest Rhode Island car insurance for young drivers: Allstate
Allstate has the best quotes for a young driver in Rhode Island, with an average monthly rate of $262 for an 18-year-old driver with minimum coverage.
Statistically, young drivers are more likely to be involved in accidents than older drivers. Drivers in their teens and early 20s pay more for car insurance than drivers in their 30s or 40s. The average cost of a full-coverage auto insurance policy for an 18-year-old driver is $780 per month in Rhode Island — nearly four times as expensive as the rate for a 30-year-old driver.
Cheapest RI car insurance for teens
Cheapest quotes for teen drivers in Rhode Island with a speeding ticket: Allstate
Allstate has the cheapest rates for teen drivers in Rhode Island who have been in an accident. The average cost is $294 per month for minimum coverage — 29% less than the state's average rate.
Teens tend to see a smaller relative increase after a speeding ticket than adults because they're already considered high-risk. An 18-year-old will only see an increase of about 12% after a speeding ticket in Rhode Island.
Cheapest RI car insurance for teens with tickets
Cheapest rates for young drivers in Rhode Island after an accident: Allstate
Allstate has the best insurance rates for a young driver after an accident. It has an average quote of $262 per month in Rhode Island for minimum coverage — 37% less than the state average.
The average cost of car insurance for an 18-year-old after an at-fault crash is $414 per month, or $4,964 per year. That's 12% more than drivers without a crash on their record.
Cheapest RI car insurance for teens with an accident history
How to save on car insurance if you're a teen driver
- Compare rates from multiple companies. The difference between the most expensive and most affordable insurance policy for a young driver is $9,363 per year for full coverage.
- Ask your parents if you can combine policies. Their auto insurance rates will increase. However, this is a much cheaper option than getting two separate policies.
- Look for discounts. Most insurance companies have a list of discounts available for young drivers, including discounts for getting good grades.
Cheapest car insurance quotes for married drivers in Rhode Island: Travelers
Travelers offers the best rate for a married driver in Rhode Island, at $103 per month for full coverage. Married drivers pay slightly cheaper rates for auto insurance — spending an average of 8% less for a full-coverage policy.
Monthly rate per car
Best car insurance companies in Rhode Island
USAA is the best overall auto insurance company in Rhode Island when it comes to affordable quotes, useful coverage options and dependable service.
USAA is among the best-rated companies in the country. Customers regularly call out above-and-beyond service from USAA. However, USAA is only available to current and former military members and their families. For the average driver, Amica and Geico are great alternatives with good customer support.
Best car insurance in RI
To determine the best-rated insurance companies in Rhode Island, we evaluated companies based on their overall levels of customer service, price and coverage options. We also reviewed complaint index numbers from the National Association of Insurance Commissioners (NAIC), J.D. Power's consumer satisfaction survey and AM Best's financial strength ratings.
Average auto insurance rates in Rhode Island by city
Newport East is the cheapest city in Rhode Island for full-coverage auto insurance, where coverage costs just $149 per month. Meanwhile, the state capital of Providence is the most expensive, at $272 per month.
The average cost of full-coverage car insurance in Rhode Island is $198 per month.
Insurance companies may charge you more or less for insurance based on where you live. For example, you might pay more if your area has narrow or poorly maintained roads, while you might pay less if crime is low.
Cheapest RI car insurance near you
Average monthly cost
Percent from average
Minimum auto insurance requirements in Rhode Island
Rhode Island drivers have to purchase a minimum amount of auto insurance to legally drive in the state, with limits often written as 25/50/25. Rhode Island is not a no-fault state, so drivers are not required to carry personal injury protection (PIP).
The minimum coverage limits required in Rhode Island are:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000
- Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident for bodily injury, $25,000 for property damage
Although a minimum liability policy is the cheapest option, it may not be enough for most drivers. Drivers with cars that are new or worth more than $3,000 should opt for higher coverage limits. If you get into an accident with an expensive car without enough coverage, you will likely be paying significant out-of-pocket expenses.
Frequently asked questions
How much is car insurance in Rhode Island?
The average cost of car insurance in Rhode Island is $94 per month for minimum liability coverage.
Do I need insurance to register a car in Rhode Island?
Yes, you will need a valid car insurance policy to register your car in Rhode Island.
Is Rhode Island a no-fault auto insurance state?
No, Rhode Island is not a no-fault auto insurance state. That means you must carry insurance to cover injuries and damage if you are at fault in an accident.
We collected thousands of quotes from ZIP codes across Rhode Island for the largest insurance companies in the state. Except where noted, quotes are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Unless otherwise noted, 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||$25,000 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|
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.