Are Auto Insurance Rates Increasing in Rhode Island?

As most drivers can attest, car insurance rates commonly increase year-over-year. But the reasons for auto insurance rate fluctuations vary, and rate hikes aren't always the prevailing trend.

Geographic location is among the primary rating factors used by insurance companies to set premiums. The local area and state within which a car is stored and operated help determine auto insurance prices, coming down to state laws and the risks associated with insuring cars in varying areas.

Because car insurance pricing is multi-faceted, annual changes in rates diverge by state. Car insurance prices might be rising annually in one state while they fall in a neighboring state.

Please see trending auto insurance rates in Rhode Island. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's car insurance comparison engine allows you to get auto insurance rates based on your details — enter your ZIP below to get started.

Car insurance rate trends in Rhode Island

Average annual auto insurance premiums in Rhode Island went up by $103 in the past year. The usual driver in Rhode Island faces an average rate of $2,110 each year.

The recent pricing trend in Rhode Island is leaning toward more expensive car insurance costs. From 2015 to 2018, rates went up by an average of $481 each year. At the same time, car insurance prices across the nation as a whole have increased in recent years, increasing from $1,280 in 2015 to $1,470 in 2018.

YearAvg. Annual Premium — Rhode IslandYearly Change — Rhode IslandAvg. Annual Premium — USYearly Change — USA

If your rates are rising faster than those in your state, consider shopping around for a better deal.

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How are car insurance rates changing in the largest Rhode Island cities?

Car insurance policies are priced at the ZIP code level with many location-specific variables influencing premiums. That means drivers can see major differences in their car insurance rates, based solely on their ZIP code or city. For instance, Providence drivers endured a larger yearly rate increase (7.1%) than did drivers in East Providence (7.1%) between 2018 and 2017.

See below annual rates of change in major Rhode Island cities. If your location is experiencing ongoing rate hikes, consider shopping for a cheaper policy.

CityAvg. Rate Increase — 2018 vs. 2017
East Providence7.1%

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The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison tool, The Zebra partners with companies such as Allstate, Liberty Mutual, and Progressive to help consumers browse pricing, coverage, and service level for both home and auto insurance policies.