Who Has the Cheapest Auto Insurance Quotes in Rhode Island? (2022)
Who Has the Cheapest Auto Insurance Quotes in Rhode Island? (2022)
Geico has the best quotes for a minimum-coverage policy, at $997 per year, as well as for most drivers looking for full coverage, at $2,312 per year.
Find Cheap Auto Insurance Quotes in Rhode Island
The average cost of car insurance in Rhode Island is $1,197 per year, or about $100 per month, for minimum liability.
Cheapest auto insurance in Rhode Island: Geico
For minimum liability auto insurance, Geico, Nationwide and Progressive offer the cheapest quotes.
Geico, the single cheapest option, offers car insurance quotes of just $997 per year on average. That's about 17% cheaper than the Rhode Island state average for a minimum-coverage policy.
Find Cheap Auto Insurance Quotes in Rhode Island
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $997 | $83 |
| Nationwide | $1,233 | $103 |
| Progressive | $1,435 | $120 |
| Amica | $1,482 | $124 |
| Allstate | $1,490 | $124 |
| USAA | $297 | $25 |
*USAA is only available to current and former military members and their families.
Cheapest company for full coverage quotes: Geico
Rhode Island's average full-coverage car insurance rate is $2,743 per year. The cheapest insurers in Rhode Island for a full-coverage car insurance quote are Geico and Nationwide.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $2,312 | $193 |
| Nationwide | $2,714 | $226 |
| Progressive | $2,826 | $236 |
| Allstate | $3,424 | $285 |
| Amica | $3,926 | $327 |
| USAA | $1,255 | $105 |
*USAA is only available to current and former military members and their families.
It's important to know that a minimum-coverage policy lacks certain protections. For instance, the policy does not include collision coverage, which covers damage to your car if you crash into another vehicle.
Full-coverage car insurance includes liability coverage and comprehensive and collision insurance. Drivers who want to protect themselves against damage to their own vehicles should consider purchasing a full-coverage policy.
Cheapest car insurance for drivers with prior incidents
Insurers 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 often 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: Nationwide
Receiving a speeding ticket can raise your auto insurance rates as much as an accident can. Drivers who have this history should contact Nationwide, Progressiveand Geico for a quote, as these insurers have the cheapest average rates.
Company | Annual rate | Monthly rate |
|---|---|---|
| Nationwide | $3,280 | $273 |
| Progressive | $3,563 | $297 |
| Geico | $3,873 | $323 |
| Amica | $3,926 | $327 |
| Allstate | $4,198 | $350 |
| USAA | $1,429 | $119 |
*USAA is only available to current and former military members and their families.
Unfortunately, drivers with a speeding ticket will not only pay a hefty sum for their fine, but will also likely see their insurance rate increase. Our sample driver with a speeding ticket spent an average of $3,378 annually on full-coverage auto insurance — $635 more than a driver without a history of violations.
Cheapest quotes for drivers after an accident: Nationwide
Nationwide has the least expensive full-coverage policy for drivers with an accident history, with a typical price of $2,714 for a year of full coverage. A close second is Progressive, which is only $9 more per month.
Accident history is one of the many factors that insurers take into consideration when estimating a quote. Drivers who have been in just one accident have rates that are 18% more expensive on average than rates for drivers without an accident history.
Company | Annual rate | Monthly rate |
|---|---|---|
| Nationwide | $2,714 | $226 |
| Progressive | $2,826 | $236 |
| Geico | $2,838 | $237 |
| Allstate | $3,424 | $285 |
| Amica | $6,270 | $523 |
| USAA | $1,255 | $105 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: Progressive
If you have been charged with driving under the influence, your car insurance rate will most likely increase. Drivers with a DUI can find the cheapest quotes from Progressive, which costs $3,202 annually, on average, for full coverage.
Company | Annual rate | Monthly rate |
|---|---|---|
| Progressive | $3,202 | $267 |
| Allstate | $5,069 | $422 |
| Nationwide | $5,379 | $448 |
| Geico | $7,189 | $599 |
| Amica | $14,129 | $1,177 |
| USAA | $2,322 | $194 |
*USAA is only available to current and former military members and their families.
There aren't many alternatives that are close to Progressive's price range. Allstate has the second-cheapest price for drivers with a DUI, but it's almost $1,900 more per year than Progressive. This difference underlines why it's so important to compare rates from multiple companies, especially if you have a high-risk background.
Cheapest car insurance for drivers with poor credit: Geico
Geico, Nationwide and Progressive have the most affordable full-coverage auto insurance quotes for drivers with poor credit.
Many insurance companies use your credit score as an indicator of how risky you are to insure. If you have poor credit, you may pay more for car insurance than someone with excellent credit.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $2,838 | $237 |
| Nationwide | $3,334 | $278 |
| Progressive | $4,243 | $354 |
| Allstate | $5,379 | $448 |
| Amica | $5,578 | $465 |
| USAA | $2,288 | $191 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for married drivers: Geico
Married drivers pay slightly cheaper rates for auto insurance — spending an average of $48 less for a full-coverage policy. For married couples, the cheapest insurance rates in Rhode Island are offered by Geico, Progressive and Nationwide.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $2,216 | $185 |
| Progressive | $2,297 | $191 |
| Nationwide | $2,507 | $209 |
| Allstate | $3,394 | $283 |
| Amica | $4,719 | $393 |
| USAA | $1,080 | $90 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: Allstate
The best quotes for a young driver in Rhode Island are from Allstate, which quotes 18-year-old drivers an average annual premium of $3,115 for minimum coverage.
Statistically, young drivers are more likely to be involved in accidents than older drivers. Drivers in their teens and 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 $9,816 — more than three times as expensive as the rate for a 30-year-old driver.
Company | Liability only | Full coverage |
|---|---|---|
| Allstate | $3,115 | $7,862 |
| Geico | $3,744 | $8,716 |
| Nationwide | $5,169 | $10,672 |
| Amica | $5,707 | $14,464 |
| Progressive | $6,513 | $13,062 |
| USAA | $1,752 | $4,119 |
*USAA is only available to current and former military members and their families.
Cheapest quotes for teen drivers with one speeding ticket: Allstate
Allstate not only has the best rates for young drivers who have been in an accident, but it also has the best rates for those who have received speeding tickets. Geico is the second-cheapest, though it's about 33% more expensive than Allstate.
Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $3,540 | $295 |
| Geico | $4,700 | $392 |
| Nationwide | $5,553 | $463 |
| Amica | $5,707 | $476 |
| Progressive | $6,655 | $555 |
| USAA | $2,012 | $168 |
*USAA is only available to current and former military members and their families.
Cheapest rates for young drivers after an accident: Allstate
Most young people struggle to find affordable car insurance. If you're young and already have an accident history, obtaining a cheap insurance policy will be even more challenging. On average, 18-year-old drivers pay $4,694 for full coverage after a crash.
The Rhode Island insurer that offers the best full-coverage insurance rates to young drivers is Allstate, which has an average annual rate of $3,115. That's 32% less than the average across all insurers.
Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $3,115 | $260 |
| Geico | $3,940 | $328 |
| Nationwide | $5,169 | $431 |
| Progressive | $6,513 | $543 |
| Amica | $7,072 | $589 |
| USAA | $1,752 | $146 |
*USAA is only available to current and former military members and their families.
Young drivers can save on car insurance in a few ways:
- Compare rates from multiple companies. The difference between the most expensive and most affordable insurance policy for a young driver is $9,392.
- 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 insurers have a list of discounts available, like getting good grades.
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 insurers 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 similarly positive support.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Amica | 867 | A+ | |
| Geico | 841 | A++ | |
| Nationwide | 823 | A+ | |
| Progressive | 840 | A+ | |
| Allstate | 810 | A+ | |
| USAA | 887 | A++ |
To determine the best-rated insurance companies in Rhode Island, we evaluate 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 A.M. Best's Financial Strength Ratings.
Average auto insurance rates in Rhode Island by city
The average cost of full-coverage car insurance in Rhode Island is $2,743.
Newport East is the cheapest city for full-coverage auto insurance, while capital city Providence is the most expensive.
City | Average annual rate | Percent from average |
|---|---|---|
| State average | $2,750 | — |
| Adamsville | $2,690 | -2% |
| Albion | $2,664 | -3% |
| Ashaway | $2,212 | -20% |
| Barrington | $2,672 | -3% |
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. 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 ideal for your needs. 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 but have insufficient coverage, you will likely be paying significant out-of-pocket expenses.
Recap of the cheapest auto insurance quotes in Rhode Island
- Minimum coverage: Geico
- Full coverage: Geico
- After a speeding ticket: Nationwide
- After an at-fault accident: Nationwide
- After a DUI: Progressive
- Poor credit history: Geico
- Married drivers: Geico
- Young drivers: Allstate
- Young drivers after a ticket: Allstate
- Young drivers after an accident: Allstate
Frequently asked questions
How much is car insurance in Rhode Island?
The average cost of car insurance in Rhode Island is $1,197 per year for minimum liability coverage.
Do I need insurance to register a car in Rhode Island?
Yes, you will need valid insurance 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.
Methodology
We collected thousands of quotes from ZIP codes across Rhode Island for the largest insurers in the state. We used a sample driver with the following profile:
- 30-year-old male
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Rhode Island.
For other rates analyses (age, credit score, incident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.