Compare rates from the best car insurance companies 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.
Drivers with good 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%|
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|
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|
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.
Compare top insurance companies' fiscal strength and claims satisfaction ratings to better understand the level of service they'll provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — evaluates an insurer's financial stability and ability to meet its policy and contractual obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Cal Casualty||Not Rated||Excellent|
|National Grange Mutual||Not Rated||Excellent|
|Quincy Mutual||Not Rated||Superior|
The minimum required insurance in Rhode Island is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.
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.
Examine average premiums for liability-only and comprehensive policy options below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Rhode Island, the state minimum coverage requirement is liability, with limits of:
The lookback period for DUI in Rhode Island is five years. Multiple DUI offenses within this timeframe may lead to harsher penalties and fines. Additionally, penalties are enhanced for a DUI leading to injury or death or in which a child under 13 years old was being transported.
First-time DUI offenses in Rhode Island in which the violator’s BAC was at least 0.08% but less than 0.10% lead to:
If you receive a ticket, your car insurance premiums may rise. By how much depends on the type of violation, your car insurance company's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average car insurance rates in Rhode Island after some common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$4,105||95%||$1,995|
|Refused Breathalyzer/Chemical Test||$3,970||88%||$1,860|
|Driving with a Suspended License||$3,651||73%||$1,540|
|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|
|Following Too Closely||$2,504||19%||$393|
|Failure to Stop at a Red Light||$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|
|Driving with Expired Registration||$2,360||12%||$250|
|Failure to Show Documents||$2,460||17%||$349|
|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|
Our data indicate State Farm ($486) and Travelers ($617) have the cheapest premiums 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.
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.
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|
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Rhode Island area, while also getting an insider view of the Ocean State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to email@example.com
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2020
Winner(s) will be selected and notified by email by January 31st, 2021
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.