Car Insurance in Rhode Island
- State Farm offers the cheapest liability at $52/mo.
- Travelers has the cheapest full coverage at $127/mo.
Enter your ZIP code to start your search for Rhode Island car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Rhode Island at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Car insurance quotes in Rhode Island
The average car insurance rate in Rhode Island is $1,415 for a six-month policy — 22% more expensive than the U.S. average.[1] Car insurance rates in Rhode Island are shaped by a variety of factors, including your age and driving history. Your location is an important factor out of many that insurance companies take into account to calculate your premium.
According to our data, 33% of Rhode Islanders believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Best customer service in RI
- Amica Mutual Insurance scored 702 in JD Power's latest study — the highest in Rhode Island.
Cheapest full coverage in RI
- Travelers offered the cheapest full coverage in Rhode Island at $127/mo.
Cheapest liability coverage in RI
- State Farm offered the cheapest liability coverage in Rhode Island at $52/mo.
What are the best car insurance companies in Rhode Island?
We’ve named Amica Mutual Insurance as Rhode Island's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
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Cheap full coverage insurance in Rhode Island
In 2026, the average cost of full coverage insurance in Rhode Island is $1,415 for a six-month policy. Full coverage is a popular choice here, with 56% of The Zebra’s Rhode Island customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Travelers, which has the cheapest rates in Rhode Island according to our latest data.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $761 | $127 |
| State Farm | $845 | $141 |
| USAA | $1,010 | $168 |
| Amica Mutual | $1,022 | $170 |
| Progressive | $1,503 | $251 |
| GEICO | $1,535 | $256 |
| Nationwide | $1,663 | $277 |
| Encompass | $1,940 | $323 |
| Allstate | $2,312 | $385 |
Source: The Zebra
Cheap liability insurance in Rhode Island
The average cost for liability insurance in Rhode Island is $597 for a 6-month policy.[1] For our user profile, State Farm offers the most affordable liability insurance options in the state at $52/mo.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Rhode Island, a full coverage insurance policy with a $500 deductible costs $1,415, considerably more than liability-only car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $312 | $52 |
| Travelers | $314 | $52 |
| Amica Mutual | $375 | $63 |
| USAA | $393 | $66 |
| GEICO | $527 | $88 |
| Progressive | $578 | $96 |
| Nationwide | $754 | $126 |
| Encompass | $969 | $161 |
| Allstate | $1,126 | $188 |
Source: The Zebra
The Zebra’s auto insurance 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.
According to our data, 44% of Rhode Island drivers carry only the state-required liability coverage.[2] In Rhode Island, the law mandates minimum liability limits of 25/50/25. Learn more about car insurance requirements in the state of Rhode Island with our helpful guide.
In Rhode Island, auto insurance companies can't simply raise or lower their rates whenever they choose. State law requires insurers to file proposed rate changes with the Rhode Island Department of Business Regulation, where they are reviewed before they can take effect.[4] This oversight helps ensure that rates are not excessive, inadequate, or unfairly discriminatory, providing consumers with an added layer of protection against unjustified premium increases.
Renata Balasco, licensed insurance writer at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $393 | $1,010 |
| Travelers | $314 | $761 |
| State Farm | $312 | $845 |
| Progressive | $578 | $1,503 |
| Nationwide | $754 | $1,663 |
| MetLife | $676 | $1,372 |
| GEICO | $527 | $1,535 |
| Encompass | $969 | $1,940 |
| Amica Mutual | $375 | $1,022 |
| Allstate | $1,126 | $2,312 |
Source: The Zebra
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.
Local insights
Drivers near you in Rhode Island weigh in
"Try The General. They gave me the cheapest quote when I was young and in need of insurance."
-Reddit user on r/Rhode Island
"Insurance is credit based in RI! If you improve your credit a lot in a short time, your rates can improve and it’s worth shopping it around again."
-Reddit user on r/Rhode Island
Compare car insurance rates from the best companies in Rhode Island.
Car insurance in popular Rhode Island cities
Car insurance companies calculate your rate based on many factors, including where the vehicle is located. The cheapest car insurance is found in Coventry, Rhode Island and the most expensive in Providence, Rhode Island.
Have a look at the table below to see average car insurance costs in some of Rhode Island's biggest cities.
Source: The Zebra
Updating data...
Source: The Zebra
Knowledge you need, guidance you trust
Erick began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty lice…
Credentials
- Licensed Insurance Agent — Property and Casualty
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Rhode Island auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Rhode Island. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average 6-month cost of coverage from top Rhode Island insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
Rhode Island car insurance for high-risk drivers
For high-risk drivers in Rhode Island with serious infractions like a DWI, DUI, or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Rhode Island's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much is DWI insurance in Rhode Island?
In Rhode Island, a DWI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DWI violation isn’t simple. In fact, a DWI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Rate increase: +$1,346
The average 6-month rate increase after a DWI/DUI in Rhode Island. These increased premiums usually last 3-5 years.
First time DWI penalties
- Up to 1 year in prison
- Up to $400 in fines
- License suspension up to 180 days
DWI record impact timeline
- DMV record: 10 years
- Criminal record: Permanent unless expunged
Cheap car insurance after a DWI in Rhode Island
If you're convicted of a DUI or DWI violation in Rhode Island, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Rhode Island.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $845 | $141 |
| Travelers | $1,298 | $216 |
| Progressive | $1,772 | $295 |
| Nationwide | $2,071 | $345 |
| USAA | $2,388 | $398 |
| Allstate | $2,765 | $461 |
| GEICO | $3,174 | $529 |
| Amica Mutual | $4,006 | $668 |
| Encompass | $9,153 | $1,525 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DWI/DUI citation is to shop around.
Rhode Island SR-22 laws
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.
Most states require an SR-22, but Rhode Island is one exception. The state of Rhode Island does not require you to file an SR-22 in order to apply for insurance.
If you move from a state that requires an SR-22 to a state that does not, you will typically still need to follow the requirements of the state that first required you to file an SR-22.
Find an affordable policy in Rhode Island in minutes!
How have average car insurance costs in Rhode Island changed?
Rhode Island's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Rhode Island |
|---|---|
| 2026 | $2,637 |
| 2025 | $2,670 |
| 2024 | $2,390 |
| 2023 | $2,235 |
| 2022 | $2,329 |
| 2021 | $2,106 |
| 2020 | $1,873 |
| 2019 | $2,093 |
| 2018 | $2,220 |
| 2017 | $2,007 |
| 2016 | $1,985 |
| 2015 | $1,629 |
Save money on your next car insurance policy!
Rhode Island car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Rhode Island auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. J.D. Power
U.S. Auto Insurance Study. J.D. Power
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Required rate review process. Rhode Island Department of Business Regulation
Required rate review process. Rhode Island Department of Business Regulation
RECENT QUESTIONS ABOUT CAR INSURANCE IN RI
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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.
