Find affordable auto insurance that works for you in Rhode Island. Compare quotes from over 100 top companies.
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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.
Compare quotes from dozens of insurance companies in Rhode Island by entering your ZIP code below.
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%|
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.
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.
|Allstate||Above average||Average||Superior||4.3 / 5|
|National Grange Mutual||N/A||N/A||Excellent||N/A|
|Nationwide||Above average||Poor||Superior||4.3 / 5|
|Progressive||Below average||Below average||Excellent||4.3 / 5|
|State Farm||Above average||Above average||Superior||4.5 / 5|
|Travelers||Below average||Below average||Superior||4.3 / 5|
|USAA||Excellent||Excellent||Superior||4.6 / 5|
In Rhode Island, the state minimum coverage requirement is liability, with limits of:
Optional coverage in Rhode Island (varies by carrier):
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 $500 deductible, expect to pay 83% more than you would for liability-only insurance.
Learn more about car insurance laws in Rhode Island.
If you receive a ticket, your car insurance premiums may rise. By how much depends on the type of violation, your car insurance company's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average car insurance rates in Rhode Island after some common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ 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|
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|
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.