Cheapest Auto Insurance Quotes in Rhode Island (2024)

Travelers had the best cheap car insurance in Rhode Island, at $156 per month for full coverage.

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Best cheap car insurance companies in Rhode Island

To help you find the best cheap Rhode Island auto insurance, ValuePenguin’s 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.

Our experts also rated the best car insurance companies in Rhode Island based on affordability for different drivers, customer service reviews, convenience and coverage availability.

Cheapest car insurance in Rhode Island: Travelers

Travelers is the cheapest auto insurance company in Rhode Island for a full-coverage car insurance quote, with an average rate of $156 per month.

For comparison, Rhode Island's average full-coverage car insurance rate is $220 per month.

Nationwide and Geico’s rates are also affordable — they average $216 and $218 per month, respectively, putting them slightly below the average rate statewide.

Cheapest car insurance companies in Rhode Island

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Cheapest RI full-coverage car insurance

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*USAA is only available to current and former military members and their families.

Cheapest liability insurance quotes in Rhode Island: Travelers

Travelers is the cheapest option for minimum liability car insurance quotes in Rhode Island, at just $61 per month on average. That's about 40% cheaper than the Rhode Island state average for a minimum-coverage policy.

Amica and Progressive also have cheaper-than-average quotes.

Cheapest RI liability car insurance quotes

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*USAA is only available to current and former military members and their families.

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Cheap car insurance rates for Rhode Island teens: Allstate

Allstate has the best quotes for a young driver in Rhode Island, with an average monthly rate of $307 for an 18-year-old driver with minimum coverage.

Statistically, young drivers are more likely to be involved in accidents than older drivers. As such, 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 $887 per month in Rhode Island — four times as expensive as the rate for a 30-year-old driver.

Cheapest RI car insurance for young drivers

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Cheap car insurance rates after a speeding ticket in RI: Amica

Amica offers the best rate for car insurance after receiving a speeding ticket in Rhode Island, at $222 per month for full coverage. That's 22% less than the average monthly rate.

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Drivers with a speeding ticket will not only pay a hefty sum for their fine, but they’re also likely to see their insurance rates increase.

Rhode Island drivers with a speeding ticket spend an average of $3,437 per year on full-coverage auto insurance — 30% 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 a recent accident in Rhode Island, with an average monthly rate of $219 for full coverage. The second-best widely available option is Progressive, where the average rate is $222 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 27% more expensive on average than rates for drivers without an accident history.

Cheapest RI car insurance companies with an accident history

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Cheapest quotes for teens in RI with a ticket or accident: Allstate

Allstate has the cheapest rates for teen drivers in Rhode Island who have been in an accident or gotten a speeding ticket. The average cost is $339 per month for minimum coverage after a speeding ticket and $307 after an accident.

Teens tend to see a smaller increase after an accident or ticket than adults because they're already considered high-risk. An 18-year-old will only see an increase of about 14% after a speeding ticket or accident in Rhode Island.

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How to save on car insurance if you're a teen driver

  1. Compare rates from multiple companies. The difference between the most expensive and most affordable insurance policy for a young driver is $7,132 per year for full coverage and $3,738 per year for minimum coverage.
  2. 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.
  3. Look for discounts. Most insurance companies have a list of discounts available for young drivers, including ones for getting good grades.

Cheap auto insurance companies after a DUI in Rhode Island: Progressive

Progressive has the cheapest quotes for Rhode Island drivers with a DUI (driving under the influence) conviction, at an average cost of $247 per month for full coverage.

If you’ve 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.

Travelers is the second-cheapest quote for Rhode Island drivers with a DUI, but it's $743 more per year than Progressive. 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.

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Cheapest car insurance for RI drivers with poor credit: Nationwide

Nationwide is the best company in Rhode Island for drivers with bad credit, with a monthly quote that's 22% less than the state average — $310 per month for full coverage.

Many insurance companies use your credit score as a factor in setting prices. Having poor credit shows nothing about your driving, but insurance companies believe drivers with poor credit are more likely to file claims.

Cheapest RI car insurance companies for poor credit

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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 other drivers, Amica, Nationwide and Geico are great alternatives with good customer support.

Best car insurance in RI

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JD Power
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Average auto insurance rates in Rhode Island by city

Newport East and nearby Middleton are the cheapest cities in Rhode Island for full-coverage auto insurance, with a policy costing just $167 per month.

Meanwhile, the state capital of Providence is the most expensive, at $299 per month.

The average cost of full-coverage car insurance in Rhode Island is $220 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 dangerous roads, while you might pay less if crime is low.

Cheapest RI car insurance near you

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Block Island$186-15%
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Minimum auto insurance requirements in Rhode Island

Rhode Island drivers have to get a minimum amount of auto insurance to legally drive in the state, with limits often written as 25/50/25. Rhode Island isn’t a no-fault state, so drivers aren’t required to carry 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/underinsured motorist coverage: $25,000 per person/$50,000 per accident for bodily injury, $25,000 for property damage

What's the best car insurance coverage for RI drivers?

Full-coverage car insurance includes liability coverage and comprehensive and collision insurance. Drivers who want to protect themselves against damage to their own cars should consider a full-coverage policy.

In contrast, a minimum-coverage policy doesn’t 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.

Although a minimum liability policy is the cheapest option, it may not be enough for most drivers.

Drivers with cars that are less than 8 years old or worth more than $5,000 should opt for higher coverage limits. If you get into an accident with an expensive car without enough coverage, you’ll likely be paying 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 $101 per month for minimum liability coverage and $220 for full coverage.

Do I need insurance to register a car in Rhode Island?

Yes, you’ll 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 isn’t a


ValuePenguin 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

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 insurer filings and should be used for comparative purposes only. Your own quotes may be different.

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.