Who Has the Cheapest Auto Insurance Quotes in Rhode Island?

Find the Cheapest Auto Insurance Quotes in Your Area

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The average cost of car insurance in Rhode Island is $3,847, but the cheapest car insurance company, Progressive, costs 45% less than the price of the most expensive carrier, Allstate.

Rates vary widely based on where you live in Rhode Island and with which company you insure their vehicle. To measure the difference, we analyzed auto insurance quotes across 29 cities in the Ocean State.

Drivers should always shop around online or ask their agent for at least three car insurance quotes if they're looking for affordable rates. Enter your ZIP above for a list of providers active near you to begin shopping for good quotes.

Cheapest auto insurance companies in Rhode Island

Rhode Island's average car insurance rate is $3,847. The cheapest insurers in Rhode Island for a full coverage car insurance policy were:

  • Progressive
  • Nationwide
  • GEICO

The cheapest three carriers averaged an annual premium of $3,333, which meant 13%, or $514, in savings compared to the Rhode Island average.

Here are the most affordable insurance companies in Rhode Island:

This graph compares the best car insurance rates in Rhode Island against the statewide average.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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The most expensive car insurance companies in Rhode Island were:

  • Metropolitan
  • Amica Mutual
  • Allstate

The three insurers quoted an average annual premium of $5,140, costing 34% more than the state average. These rates are for our sample drivers, so it is important that drivers research their individual quotes from at least three carriers that insure vehicles near them.

Here is the table of average annual rates for the seven insurers included in our analysis, ranked from those with the best car insurance quotes to the highest.

RankInsurerRate
1Progressive$3,027
2Nationwide$3,428
3GEICO$3,543
4Metropolitan$4,882
5Amica Mutual$5,050
6Allstate$5,489
NAUSAA$1,510
USAA is not ranked, as only current and former military members and their families are eligible for a policy.

Full coverage car insurance includes liability coverage and comprehensive and collision insurance. Drivers that wish to protect themselves against damage to their own vehicles should consider purchasing a full coverage policy.

Cheap minimum coverage car insurance in Rhode Island

For minimum coverage auto insurance, Nationwide, GEICO and Progressive offered the cheapest annual rates.

Together, the three insurers offered car insurance quotes of $1,475 per year of coverage. That's about 7% cheaper than the Rhode Island state average for a minimum coverage policy.

We ranked Rhode Island insurance companies offering minimum coverage car insurance from the cheapest to most expensive.

RankInsurerRate
1Progressive$1,244
2Nationwide$1,484
3GEICO$1,697
4Amica Mutual$1,737
5Metropolitan$2,007
6Allstate$2,355
NAUSAA$600
USAA is not ranked, as only current and former military members and their families are eligible for a policy.

Minimum coverage auto insurance only meets Rhode Island law's minimum coverage limit requirements. Unlike full coverage car insurance, minimum coverage policies do not include comprehensive and collision coverage.

Though you can buy minimum coverage at a lower cost, minimum coverage limits may put you at risk of insufficient protection after a car accident.

Cheap auto insurance rates in Rhode Island for drivers with an accident history

Progressive, Nationwide and GEICO offered drivers with a prior accident on their driving record the cheapest full coverage car insurance quotes. Together, the three insurance companies averaged $4,777, or 8% less than the state average of $5,221.

RankInsurerRate with no prior accidentRate with one accidentDifference
1Nationwide$3,428$3,85012%
2GEICO$3,543$4,84337%
3Progressive$3,027$5,63886%
4Metropolitan$4,882$5,82319%
5Amica Mutual$5,050$6,75834%
6Allstate$5,489$7,41835%
NAUSAA$1,510$2,21447%
USAA is not ranked, as only current and former military members and their families are eligible for a policy.

A single accident on your driving record can result in significantly more costly car insurance rates. The difference in annual auto insurance quotes in Rhode Island for a full coverage policy with no accident history ($3,847) versus one with a single accident ($5,221) was $1,374.

Top rated car insurance companies in Rhode Island

Nationwide, Amica Mutual and Allstate were the best rated large auto insurance in Rhode Island, according to the complaint index, a customer satisfaction metric based on consumer complaints.

RankInsurerComplaint index
1Nationwide0.43
2Amica Mutual0.67
3Allstate0.69
4Progressive0.91
5GEICO0.92
6USAA1.15
7Metropolitan1.23

To determine the best rated insurance companies in Rhode Island, we reviewed complaint index numbers from the National Association of Insurance Commissioners (NAIC). Any company with a complaint index below one received a lower share of complaints than expected for a company of its size.

A company with a smaller share of complaints than its share of business is doing better than average. Nationwide had a particularly strong index, while Metropolitan performed poorly compared to the rest of the group.

Minimum state auto insurance requirements in Rhode Island

Rhode Island drivers have to purchase a minimum amount of auto insurance in order to legally drive in the state. Rhode Island is not a no-fault state, so drivers are only required to carry liability protection.

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 per accident
  • Uninsured / Underinsured motorist coverage: $25,000 per person / $50,000 per accident

Cheapest car insurance in Rhode Island, by city

We determined which insurance companies had the most affordable auto insurance rates by city within Rhode Island.

For nearly all Rhode Island cities, Progressive, GEICO and Nationwide offered the cheapest car insurance quotes, and usually in that order. Central Falls was the only outlier, with Metropolitan among the city's top three cheapest insurer.

CityInsurerPremium
BarringtonProgressive$2,933
GEICO$3,284
Nationwide$3,440
BristolProgressive$2,933
Nationwide$3,174
GEICO$3,528
Central FallsProgressive$3,837
Nationwide$4,190
Metropolitan$4,580
CharlestownProgressive$2,341
Nationwide$2,799
GEICO$3,121
CoventryProgressive$3,046
Nationwide$3,457
GEICO$3,544
CranstonProgressive$3,494
Nationwide$4,578
GEICO$4,745
CumberlandProgressive$2,695
Nationwide$3,137
GEICO$3,544
East GreenwichProgressive$2,961
GEICO$3,295
Nationwide$3,659
East ProvidenceNationwide$3,750
GEICO$3,814
Progressive$4,078
ExeterGEICO$2,876
Progressive$3,046
Nationwide$3,407
FosterProgressive$3,107
Nationwide$3,315
GEICO$3,839
HopkintonProgressive$2,341
GEICO$2,876
Nationwide$2,899
JamestownProgressive$2,341
GEICO$2,481
Nationwide$2,675
JohnstonProgressive$3,046
Nationwide$4,300
GEICO$4,722
LincolnProgressive$3,046
Nationwide$3,350
GEICO$3,742
Little ComptonGEICO$2,481
Progressive$2,596
Nationwide$2,864
NarragansettProgressive$2,341
Nationwide$2,881
GEICO$3,121
NewportProgressive$2,341
GEICO$2,481
Nationwide$2,689
North KingstownGEICO$2,909
Progressive$2,961
Nationwide$3,348
North ProvidenceProgressive$3,915
Nationwide$4,518
GEICO$4,722
North SmithfieldProgressive$2,695
Nationwide$3,084
GEICO$3,240
PawtucketProgressive$3,385
Nationwide$4,239
GEICO$4,363
ProvidenceProgressive$3,809
Nationwide$4,722
GEICO$4,839
TivertonProgressive$2,596
GEICO$2,610
Nationwide$2,953
WarrenProgressive$2,933
Nationwide$3,046
GEICO$3,528
WarwickProgressive$3,345
GEICO$3,524
Nationwide$3,631
West GreenwichProgressive$3,046
Nationwide$3,383
GEICO$3,544
West WarwickProgressive$2,961
Nationwide$3,449
GEICO$3,863
WoonsocketProgressive$2,695
Nationwide$3,086
GEICO$3,421

Your actual quotes will differ based on these factors, since these premiums were derived from our sample driver, who commutes locally in his Honda Civic EX.

The cheapest car insurance in Rhode Island's largest cities

For a more in-depth look at the five largest cities in Rhode Island, we pulled car insurance quotes for:

  • Providence
  • Cranston
  • Warwick
  • Pawtucket
  • East Providence

We found that the five largest cities in Rhode Island had an average auto insurance rate of $4,461, or 16% above the state average of $3,847.

Fortunately, even if you do live in these cities, there are still many opportunities to save on car insurance. For example, if you're a current or former member of the military, or related to one, you may qualify for especially cheap rates offered by USAA.

Below, we've highlighted some of the cheapest companies in each city that you should include on your list when shopping for auto insurance near you.

Cheap car insurance companies in Providence, Rhode Island

  • Average annual cost = $5,071
  • 32% higher than Rhode Island average

Providence, Rhode Island, is home to the most expensive car insurance in the state. Fortunately, car insurance rates quoted from Progressive, Nationwide and GEICO, the top three cheapest companies in Providence, averaged $1,282. This is 12% less than the city mean and translates to $614 in savings for Providence locals.

Best auto insurance quotes Cranston, Rhode Island

  • Average annual cost = $4,749
  • 23% more than Ocean State average

Cranston ranks third on our list of most expensive cities for auto insurance in Rhode Island. To save some extra money, try looking into Progressive, Nationwide and GEICO for car insurance.

We found that these top three cheapest companies averaged an annual auto insurance rate of $4,272 in Cranston for our driver's policy, which is 10% less than the city mean.

Cheap auto insurance rates in Warwick, Rhode Island

  • Average annual cost = $4,023
  • 5% more than Rhode Island mean

To save money on car insurance, we suggest shopping with Progressive, GEICO and Nationwide, who quoted our motorist an average rate of $3,500. This is 13% less than the city average and is equivalent to saving $523 per year.

Cheapest auto insurance quotes in Pawtucket, Rhode Island

  • Average annual cost = $4,322
  • 12% higher than state average

We recommend Progressive, Nationwide and GEICO for the cheapest quotes in Pawtucket.

Best car insurance rates in East Providence, Rhode Island

  • Average annual cost = $4,140
  • 8% more than Rhode Island average

Nationwide, GEICO and Progressive offered the cheapest rates in East Providence.

Average cost of auto insurance in Rhode Island

The average cost of car insurance in Rhode Island is $3,847, and here are 29 of Rhode Island's most populous cities ranked from the cheapest annual rates to the most expensive.

Newport, Jamestown and Little Compton were the cheapest for auto insurance, while Providence, North Providence and Cranston were the most expensive.

RankCityPremium
1Newport$2,981
2Jamestown$3,136
3Little Compton$3,242
4Tiverton$3,259
5Hopkinton$3,283
6Charlestown$3,329
7Narragansett$3,342
8North Kingstown$3,490
9Woonsocket$3,569
10North Smithfield$3,580
11Exeter$3,583
12Bristol$3,654
13Warren$3,667
14Cumberland$3,703
15Barrington$3,733
16West Greenwich$3,749
17Coventry$3,827
18East Greenwich$3,836
19Lincoln$3,910
20Foster$3,939
21Warwick$4,023
22West Warwick$4,027
23East Providence$4,140
24Pawtucket$4,322
25Central Falls$4,540
26Johnston$4,726
27Cranston$4,749
28North Providence$4,861
29Providence$5,071

Methodology

We collected car insurance quotes for cities in Rhode Island from seven insurance companies. Our sample driver was a:

  • 30-year-old male
  • Driving a 2015 Honda Civic EX

The driver was profiled as having no credit history, making him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.

Our sample driver held full coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person / $100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision$500 deductible

For a minimum coverage policy, our sample driver had coverage equivalent to the minimum Rhode Island state requirements.

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.

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