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.

Year Avg. Annual Premium — Rhode Island Yearly Change — Rhode Island Avg. Annual Premium — US Yearly Change — USA
2018 $2,110 $103 $1,470 $32
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 those in your state, consider shopping around for a better deal.

Compare rates today!

Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.

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.

City Avg. Rate Increase — 2018 vs. 2017
Providence 7.1%
East Providence 7.1%
Melville 6.5%
Warwick 6.4%
Newport 6.3%

Compare policies today!

Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.
Ross Martin photo
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