Cheap Rhode Island Car Insurance

Find affordable auto insurance that works for you in Rhode Island. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Rhode Island

Across the Ocean State, there are 13,520 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. Read on to learn more about which insurance companies offer the most affordable average rates in Rhode Island for a variety of driving profiles, or enter your ZIP code above to compare personalized quotes in just a few minutes.


Affordable insurance companies in Rhode Island

What's the cheapest car insurance in Rhode Island?
Rank Company Name Avg. Annual Premium
1 State Farm $972
2 Travelers $1,234
3 USAA $1,640
4 Quincy Mutual $2,209
5 MetLife $2,529
6 Progressive $2,530
7 Cal Casualty $2,997
8 Nationwide $3,194
9 National Grange Mutual $3,506
10 Allstate $3,982

Compare quotes from dozens of insurance companies in Rhode Island by entering your ZIP code below.

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Cheap auto insurance for good drivers in Rhode Island

Drivers with near-pristine driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Rhode Island drivers without a recent at-fault accident typically save 31% on their car insurance premiums — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $474 19.90%
No Accidents $887 31.71%
Good Credit $1,663 46.54%


Cheap auto insurance for young drivers in Rhode Island

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Rhode Island, the typical teen driver pays $6,348 per year — approximately $1,400 more than the national average for teens, and more than three times as much as the average driver in Rhode Island.

Age Annual Rate with Parents Annual Rate Alone
16 $5,666 $9,694
17 $5,304 $8,304
18 $5,257 $7,296
19 $4,632 $4,638


Cheap auto insurance for bad drivers in Rhode Island

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 45% after a DUI, 31% after an at-fault accident, and 19% after a speeding ticket in Rhode Island. The post-citation penalties assessed by car insurance companies in Rhode Island are slightly higher than nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $2,797 31.71%
DUI $3,495 45.36%
Speeding Violation $2,384 19.90%
Bad Credit $3,573 46.54%

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Top rated car insurance companies in Rhode Island

Every auto insurer highlights its cheap rates. But as with any product, the cheapest option is not always the best idea. Considering the financial stakes, it's worth doing the research to zero in on an insurance policy that will cover your car completely after an incident. Be on the lookout for a great value, rather than settling for the cheapest auto insurance you find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
Cal Casualty N/A N/A Good N/A
MetLife N/A Below average Excellent N/A
National Grange Mutual N/A N/A Excellent N/A
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
Quincy Mutual N/A N/A Superior N/A
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5


Rhode Island auto insurance laws

In Rhode Island, the state minimum coverage requirement is liability, with limits of:

  • Bodily Injury Liability $25,000 per person
  • Bodily Injury Liability $50,000 per accident
  • Property Damage Liability $25,000 per accident

Optional coverage in Rhode Island (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

For the legal minimum coverage in Rhode Island, you can expect to owe an average of $1,110 yearly. These rates are pricier than the nationwide mean by 69%. If you want better auto insurance coverage, you can select a policy with comprehensive and collision coverage, protecting against damages caused by vehicular collisions, auto theft, or weather incidents. It's worth noting that better insurance coverage has a cost: in Rhode Island, a comprehensive policy with a $1,000 deductible costs $1,833, 65% more than liability-only coverage. For comprehensive coverage with a $500 deductible, expect to pay 83% more than you would for liability-only insurance.

Learn more about car insurance laws in Rhode Island.

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How tickets change insurance rates in Rhode Island

If you receive a ticket, your car insurance premiums may rise. By how much depends on the type of violation, your car insurance company's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average car insurance rates in Rhode Island after some common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $4,105 95% $1,995
Refused Breathalyzer/Chemical Test $3,970 88% $1,860
DUI $3,970 88% $1,860
Racing $3,894 85% $1,784
Reckless Driving $3,764 78% $1,653
Driving with a Suspended License $3,651 73% $1,540
At-Fault Accident $2,667 26% $557
Driving with an Open Container $3,396 61% $1,285
Operating a Vehicle Without Permission $2,843 35% $732
Passing a School Bus $2,646 25% $536
Improper Passing $2,646 25% $536
Following Too Closely $2,504 19% $393
Speeding $2,600 23% $490
Failure to Stop at a Red Light $2,573 22% $463
Illegal Turn $2,573 22% $463
Driving Wrong Way/Wrong Lane $2,646 25% $536
Failure to Yield $2,573 22% $463
Speeding in a School Zone $2,540 20% $430
Driving Too Slowly $2,540 20% $430
Distracted Driving $2,504 19% $393
Driving with Expired Registration $2,360 12% $250
Failure to Show Documents $2,460 17% $349
Not-at-Fault Accident $2,139 1% $28
Failure to Use Child Safety Restraint $2,119 0% $9
Failure to Wear a Seat Belt $2,139 1% $28
Driving Without Lights $2,139 1% $28


Rhode Island car insurance FAQs

Who has the cheapest car insurance in Rhode Island?

Our data indicate State Farm ($486) and Travelers ($617) have the cheapest premiums in Rhode Island.

How much is car insurance in Rhode Island?

Average rates for drivers in Rhode Island are more expensive than the rest of the U.S. For a liability-only policy, drivers pay $555 per six-month policy or $1,013 for a full coverage policy.

Why is car insurance so expensive in Rhode Island?

Like many other states, car insurance costs are high in Rhode Island due to the rising cost of car maintenance, uninsured drivers, and total number of claims. If you're paying too much for car insurance, see our comparison calculator to see side-by-side rates.

How much does car insurance cost in Rhode Island cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Newport, Rhode Island, and the most expensive in Providence, Rhode Island.

Rank City Avg. Annual Premium
1 Providence $2,820
2 Cranston $2,641
3 Pawtucket $2,486
4 East Providence $2,360
5 Warwick $2,188
6 Woonsocket $1,986
7 Pascoag $1,962
8 Kingston $1,824
9 Hope Valley $1,728
10 Newport $1,597



If I'm involved in an accident with a passenger in my vehicle, are they covered?

In the state of Rhode Island, medical coverage is not a legal requirement to meet the state insurance law so it is optional. "Full Coverage" refers to coverage for damage to your vehicle and doesn't necessarily include any other extras like rental car, roadside, or medical. Your best bet is to contact your insurance company and ask if your policy includes medical coverage for you and your passengers.
Jul 28, 2016 Warwick, RI

I was in a zip car and got into a not-at-fault accident

If you have a police report with the at-fault party information on it, it's very likely Zipcar will contact them for the damage. However, I would check the insurance information you signed up for to see how you could be charged.
May 1, 2018 Providence, RI

Can I get short-term rental car insurance for a van modified for mobility?

Hello, Unfortunately, we do not have any companies that will provide insurance for only two weeks. I'm unaware of any company that will, as most policies are six months or twelve months.
Jul 14, 2019 Providence, RI

Which insurance companies insure foreign licenses?

Since the car will not be registered in your name, the owner of the car will need to add you as a driver to their policy, instead of you getting your own. If your friend's current company will not accept a foreign license, then they will need to shop around to find something you can be added to.
Jul 25, 2018 Newport, RI

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.