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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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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?
RankCompany NameAvg. Annual Premium
1State Farm$972
2Travelers$1,234
3USAA$1,640
4Quincy Mutual$2,209
5MetLife$2,529
6Progressive$2,530
7Cal Casualty$2,997
8Nationwide$3,194
9National Grange Mutual$3,506
10Allstate$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$47419.90%
No Accidents$88731.71%
Good Credit$1,66346.54%

 

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.

AgeAnnual Rate with ParentsAnnual 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 FactorAnnual Rate% Increase
At-Fault Accident$2,79731.71%
DUI$3,49545.36%
Speeding Violation$2,38419.90%
Bad Credit$3,57346.54%

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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)

AllstateAbove averageAverageSuperior4.3 / 5
Cal CasualtyN/AN/AGoodN/A
MetLifeExcellentBelow averageExcellentN/A
National Grange MutualN/AN/AExcellentN/A
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
Quincy MutualN/AN/ASuperiorN/A
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 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.

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
DUI$3,97088%$1,860
Racing$3,89485%$1,784
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
Speeding$2,60023%$490
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

 

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

 

Recent Questions:

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

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.
Apr 30, 2018 Bristol, RI

Will my insurance company drop me for not changing my address when I moved?

Hello, Insurance regulations are very state-specific. Therefore, when you move to a different state, you have to get a new policy.
Jul 16, 2019 Pawtucket, 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

Ross Martin
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.