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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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

In Rhode Island, the average cost of auto insurance is $2,106 per year. Compared to the national average rate, it's more expensive by 38%.

What you pay may be higher or lower than this rate because the factors that go in your quote are highly individual. Information like your age, location, driving record and more are taken into account to evaluate how much risk you pose to an insurance company.

In our guide to Rhode Island car insurance, we analyzed average car insurance rates to give you a reference point while shopping so you know what a fair rate looks like. Continue reading to find out how much auto insurance costs in Rhode Island, or if you're ready to see how much you can save by shopping around, submit your ZIP code above to get personalized quotes from top insurance companies.

The best car insurance companies in Rhode Island

Here are the top three car insurance companies in Rhode Island, according to third-party ratings from J.D. Power.

1st place medal

USAA received a score of 887 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study and also won top marks in The Zebra's Customer Satisfaction Survey.

2nd place medal

Amica Mutual is based in Rhode Island and was the runner-up, scoring 867 in J.D. Power's study.

3rd place medal
State Farm

Coming in third place with a score of 855 out of 1,000 in J.D. Power's 2021 customer satisfaction survey, State Farm is one of the most popular insurers in the nation.

Key takeaways
  • Rhode Islanders pay about 38% more for car insurance on average
  • The cheapest major car insurance company in Rhode Island is State Farm

The cheapest car insurance companies in Rhode Island

These companies offer the cheapest rates in the following scenarios.

Cheapest for full coverage — State Farm

State Farm is the cheapest option for full coverage, costing about $88 per month on average.

Cheapest after at-fault accident or DUI — State Farm

If you have a recent DUI or at-fault accident, State Farm is the most affordable company in Rhode Island.

Cheapest for bad credit — USAA

For drivers with poor credit, USAA is the cheapest insurance company.

Company Avg. Annual Premium
State Farm $1,053
USAA $1,202
Amica Mutual $1,793
Nationwide $2,161
GEICO $2,412
Progressive $3,281
Allstate $3,947

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Rhode Island auto insurance laws

Car insurance is required in almost every state, including Rhode Island. To be considered road-legal, every driver in Rhode Island must have at least a certain level of coverage, along with and proof of this coverage.

Compared to full coverage, opting for the legal minimum coverage level is much more affordable, but can leave you at risk as it doesn't provide any coverage for your own vehicle. In Rhode Island, expect to pay $838 every year for the state minimum level of coverage. This rate is less expensive than the nationwide average by 45%.

State minimum coverage

In order to drive legally in the state of Rhode Island, you must carry at least the minimum liability limits listed below:

  • Bodily injury: $25,000 per person
  • Bodily injury: $50,000 per accident
  • Property damage: $25,000 per accident

Optional coverage in Rhode Island (varies by carrier):

  • Comprehensive
  • Collision
  • Gap coverage
  • Medical payments
  • Roadside assistance
  • Rental car reimbursement
  • Uninsured/underinsured motorist coverage
car with blue windshield

If you want more protection, you can get a policy that includes comprehensive and collision. These coverages — combined with liability insurance — comprise a full coverage policy. This will protect you against the financial ramifications of car accidents, theft, vandalism or weather incidents.

Better coverage, however, can be much more expensive than a liability-only policy. A full coverage insurance policy with a $1,000 deductible costs $1,893 in Rhode Island — 126% more than liability-only insurance. If you choose a full coverage policy with a $500 deductible, expect to pay 162% more than you would for basic coverage.

The Zebra's guide to Rhode Island car insurance laws

Learn more about car insurance requirements in the state of Rhode Island with our helpful guide.

Compare car insurance rates from the best companies in Rhode Island.

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Rhode Island car insurance premiums by rating factor

Rating factors such as your coverage level, age and driving history make a huge impact on what you're quoted for auto insurance, and every insurer calculates rates differently depending on these factors. Things like at-fault accidents, citations and bad credit can majorly affect your car insurance premium.

Consult average rates by rating factor below to get a better understanding of how much you can expect to pay in Rhode Island.

Cheap auto insurance in Rhode Island for minimum coverage

Choosing liability-only coverage at the state minimum level is much cheaper than getting full coverage. However, it can leave you at risk if you get into an accident. In Rhode Island, the average cost for minimum coverage is $70 per month, or $838 yearly — a savings of $1,359 compared to full coverage.

Company Avg. Annual Premium
State Farm $371
USAA $565
Amica Mutual $679
GEICO $894
Nationwide $1,126
Progressive $1,198
Allstate $1,283

Cheap auto insurance in Rhode Island with bad credit

Outside of a handful of states that have banned the practice, your credit score influences your rate. The worse your credit, the higher your premium will be. This is because there is a correlation between drivers with poor credit and a propensity for filing claims. In Rhode Island, those with bad credit pay an additional $1,677 yearly compared to drivers with excellent credit.

Consult sample rates from different insurance companies below and use this information as a jumping-off point in your search for affordable insurance with bad credit.

Company Avg. Annual Premium
USAA $2,089
State Farm $2,166
Nationwide $3,069
Amica Mutual $3,207
GEICO $3,369
Allstate $5,463
Progressive $5,563

Cheap auto insurance in Rhode Island with an at-fault accident

It's no secret that citations and at-fault accidents cause increases in the cost of car insurance. To an insurer, a checkered driving record is a risk indicator. In Rhode Island, a recent at-fault accident can raise your rate by $192 annually.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
State Farm $1,053
USAA $1,202
Amica Mutual $1,793
Nationwide $2,161
GEICO $2,587
Progressive $3,857
Allstate $3,947

Cheap auto insurance for young drivers in Rhode Island

Teens and drivers in their 20s pay the highest rates for car insurance compared to older age groups — nationally, teen drivers pay more than three times what drivers in their 30s pay. This is due to younger drivers' relative inexperience on the road compared to older drivers. In Rhode Island, teens pay $8,783 per year, which is more than $7,000 over the national average and over four times as much as a 30-year-old Rhode Island driver.

Company Avg. Annual Premium
State Farm $3,303
USAA $3,998
GEICO $6,385
Nationwide $7,875
Amica Mutual $8,718
Allstate $8,724
Progressive $14,737

Rhode Island auto insurance rate by violation

Receiving a ticket or violation will make your rate higher because it makes you a riskier client to insure. Because every insurer's pricing standards are different, it's difficult to say exactly how much you can expect your rate to increase. Using data, however, we can provide general estimates.

See below for average auto insurance rates in Rhode Island after a variety of citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $2,329 0% $0
Not-at-fault accident $2,365 2% $36
One comp claim $2,366 2% $37
Two comp claims $2,375 2% $46
One Med/PIP claim $2,426 4% $97
At-fault accident - less than $1000 $2,449 5% $120
At-fault accident - $1000-$2000 $2,449 5% $120
At-fault accident - greater than $2000 $2,449 5% $120
Two Med/PIP claims $2,463 6% $134
Failure to wear a seat belt $2,587 11% $258
Child safety restraint $2,634 13% $305
Driving without lights $2,634 13% $305
Failure to show documents $2,657 14% $328
Driving with expired registration $2,788 20% $459
Following too closely $2,812 21% $483
Driving too slowly $2,819 21% $490
Speeding 6 - 10 MPH over limit $2,819 21% $490
Speeding in school zone $2,819 21% $490
Failure to stop at a red light $2,851 22% $522
Speeding 11 - 15 MPH over limit $2,870 23% $541
Speeding 16 - 20 MPH over limit $2,870 23% $541
Illegal turn $2,875 23% $546
Failure to yield $2,875 23% $546
Wrong way/wrong lane $2,879 24% $550
Cell phone violation $2,895 24% $566
Texting while driving $2,895 24% $566
Improper passing $2,903 25% $574
Speeding 21 - 25 MPH over limit $2,931 26% $602
Passing school bus $2,996 29% $667
Operating a vehicle without permission $3,049 31% $720
In 65 MPH zone $3,079 32% $750
Open container $3,516 51% $1,187
Driving with a suspended license $4,203 80% $1,874
Reckless driving $4,257 83% $1,928
Refusal to submit to a chemical test $4,312 85% $1,983
DUI $4,359 87% $2,030
Racing $4,471 92% $2,142
Leaving scene of an accident/hit and run $4,527 94% $2,198

Rhode Island DUI laws

If you're convicted of a DUI in Rhode Island, we found that this can increase your premium by 87% or over $2,000 a year. It can be a challenge to find affordable car insurance with a recent DUI on your record because it often triggers a larger uptick in your rate than many other citations.

Low-cost car insurance after a DUI in Rhode Island

It’s integral to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Rhode Island. Car insurance premiums following a DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Rhode Island, State Farm, advertises annual rates 76% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Rhode Island is USAA, while the most expensive is Amica, with prices 60% above average.

Company Avg. Annual Premium
State Farm $1,053
USAA $2,197
Progressive $3,861
Nationwide $4,160
GEICO $4,581
Allstate $4,853
Amica Mutual $6,975

It is unlikely that you'll find a cheap car insurance quote in the aftermath of a DUI that's as low as a rate you'd get without a DUI on your record. The recommended way to save after a DUI citation is to shop around with as many companies as possible.


Rhode Island SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Rhode Island to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Rhode Island might require some research, but it shouldn't be too difficult.


How to acquire an SR-22 in Rhode Island

For currently insured drivers

If you already have an active auto insurance policy, requesting an SR-22 is fairly straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.


For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and provide coverage to your higher-risk profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.


For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.

Find an affordable policy in Rhode Island in minutes!

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Rates by city

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

Have a look at the table below to see average car insurance costs in some of Rhode Island's biggest cities.

City Avg. Annual Premium
Warwick $2,359
East Providence $2,526
Pawtucket $2,709
Cranston $2,892
Providence $3,108

Car insurance price trends in Rhode Island

In Rhode Island, average annual auto insurance costs increased by $233 in the past year. A typical Rhode Island driver pays an average of $2,106 per year.

Year over year pricing trends in Rhode Island tend to be more volatile compared to rates across the United States. The steepest decrease occurred in 2020, while the highest surge took place in 2016. Premiums in Rhode Island have continued to vary dramatically in recent years — usually increasing and decreasing by more than $200.

Year Avg. Annual Premium — Rhode Island Yearly Change — Rhode Island Avg. Annual Premium — US Yearly Change — US
2021 $2,106 $233 $1,529 $46
2020 $1,873 -$220 $1,483 -$61
2019 $2,093 -$127 $1,544 $23
2018 $2,220 $213 $1,521 $84
2017 $2,007 $22 $1,437 $69
2016 $1,985 $356 $1,368 $88
2015 $1,629 $92 $1,280 $51
2014 $1,537 $95 $1,229 $34
2013 $1,442 -$96 $1,195 -$80
2012 $1,538 $170 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Rhode Island car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Rhode Island auto insurance.

Our data indicate State Farm ($1,053/year) and USAA ($1,202/year) have the cheapest premiums in Rhode Island for full coverage.

Average rates for drivers in Rhode Island are more expensive than the rest of the U.S. For a liability-only policy, drivers pay $838 per year or $2,106 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.

Save money on your next car insurance policy!

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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 editorial 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.