Cheap Rhode Island Car Insurance

Find affordable 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 Premiums in Rhode Island

What's the cheapest car insurance in Rhode Island?
RankCompany NameAvg. Annual Premium
1State Farm$972
4Quincy Mutual$2,209
7Cal Casualty$2,997
9National Grange Mutual$3,506

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Cheap Insurance for Good Drivers in Rhode Island

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$47419.90%
No Accidents$88731.71%
Good Credit$1,66346.54%

Cheap 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.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car 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 FactorAnnual Rate% Increase
At-Fault Accident$2,79731.71%
Speeding Violation$2,38419.90%
Bad Credit$3,57346.54%

Best 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.

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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Cal CasualtyNot RatedExcellent
EncompassNot RatedSuperior
Liberty Mutual3Excellent
National Grange MutualNot RatedExcellent
Quincy MutualNot RatedSuperior
State Farm3Superior


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What is the Best Auto Insurance Coverage in Rhode Island?

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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Rhode Island$1,110.43$1,833.46$2,027.42
National Average$657.66$1,241.26$1,397.94

Rhode Island Auto Insurance Laws

State minimum insurance requirements in Rhode Island

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

Learn more about car insurance laws in Rhode Island.

Driving Laws in Rhode Island

Rhode Island Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on text messaging for all drivers

Rhode Island DUI Laws

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:

  • Up to one year in jail
  • $100 to $300 in fines
  • License suspension for 30 to 180 days
  • 10 to 60 hours of community service

Ticket Impact on Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$4,10595%$1,995
Refused Breathalyzer/Chemical Test$3,97088%$1,860
Reckless Driving$3,76478%$1,653
Driving with a Suspended License$3,65173%$1,540
At-Fault Accident$2,66726%$557
Driving with an Open Container$3,39661%$1,285
Operating a Vehicle Without Permission$2,84335%$732
Passing a School Bus$2,64625%$536
Improper Passing$2,64625%$536
Following Too Closely$2,50419%$393
Failure to Stop at a Red Light$2,57322%$463
Illegal Turn$2,57322%$463
Driving Wrong Way/Wrong Lane$2,64625%$536
Failure to Yield$2,57322%$463
Speeding in a School Zone$2,54020%$430
Driving Too Slowly$2,54020%$430
Distracted Driving$2,50419%$393
Driving with Expired Registration$2,36012%$250
Failure to Show Documents$2,46017%$349
Not-at-Fault Accident$2,1391%$28
Failure to Use Child Safety Restraint$2,1190%$9
Failure to Wear a Seat Belt$2,1391%$28
Driving Without Lights$2,1391%$28

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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.

RankCityAvg. Annual Premium
3Central Falls$2,557
5East Providence$2,360
16Hope Valley$1,728
Recent Questions:

Should I file a claim if my car was side-swiped?

Sorry to hear about your situation. There are several factors to consider before filing a claim.

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.

A drunk person fell on my car, am I covered?

The decision will really be up to you. If they want to pay out of pocket I would take it to a shop you want and trust and get the estimate.

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.

Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, and Kin Insurance.