Compare rates from 6 car insurance companies 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.
Liability coverage is legally required in Rhode Island and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Rhode Island, the minimum is listed as 25/50/25 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
These numbers reflect the minimum limits required in Rhode Island but higher coverage amounts are available with most companies.
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.
If you happen to find yourself pulled over by a police officer in Rhode Island you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Rank | City | Avg. Annual Premium |
---|---|---|
1 | Providence | $2,254 |
2 | Cranston | $2,138 |
3 | Pawtucket | $1,913 |
4 | East Providence | $1,833 |
5 | Central Falls | $1,819 |
6 | Valley Falls | $1,724 |
7 | Greenville | $1,717 |
8 | Warwick | $1,715 |
9 | Harmony | $1,674 |
10 | Cumberland Hill | $1,627 |
11 | Chepachet | $1,605 |
12 | Woonsocket | $1,587 |
13 | Pascoag | $1,575 |
14 | Harrisville | $1,562 |
15 | Hope Valley | $1,492 |
16 | Narragansett Pier | $1,490 |
17 | Kingston | $1,486 |
18 | Wakefield-Peacedale | $1,484 |
19 | Bradford | $1,476 |
20 | Ashaway | $1,465 |
21 | Westerly | $1,463 |
22 | Tiverton | $1,401 |
23 | Melville | $1,362 |
24 | Newport | $1,356 |
25 | Newport East | $1,349 |
If I’m involved in an accident with a passenger in my vehicle, are they covered?
I’m going to be taking my neighbor to a doctors appointment and want to know if he will be covered ...
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.Rank | Company Name | Avg. Annual Premium |
---|---|---|
1 | USAA | $712 |
2 | State Farm | $1,117 |
3 | Travelers | $1,234 |
4 | Amica | $1,482 |
5 | Progressive | $1,514 |
6 | Quincy Mutual | $1,611 |
7 | Peerless | $1,750 |
8 | National Grange Mutual | $2,073 |
9 | GEICO | $2,468 |
10 | MetLife | $2,529 |
11 | Nationwide | $2,680 |
12 | Encompass | $2,928 |
13 | Cal Casualty | $2,997 |
14 | Liberty Mutual | $3,013 |
15 | Allstate | $3,089 |
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Rhode Island area, while also getting an insider view of the Ocean State.