Cheap Rhode Island Car Insurance

Compare the best rates from 7 car insurance companies in Rhode Island.

Here's what you need to know when driving 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.

Cheap Car Insurance

It's expensive to get car insurance in Rhode Island!

Dang! Rhode Island is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Rhode Island might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Rhode Island?
Rank Company 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

Cheap Insurance for Good Drivers in Rhode Island

Drivers with good 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%
No Accidents $887 31.71%
Good Credit $1,663 46.54%

Cheap Insurance for Young Drivers in Rhode Island

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
16 $5,666 $9,694
17 $5,304 $8,304
18 $5,257 $7,296
19 $4,632 $4,638

Cheap Car Insurance for Bad Drivers in Rhode Island

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
At-Fault Accident $2,797 31.71%
DUI $3,495 45.36%
Speeding Violation $2,384 19.90%
Bad Credit $3,573 46.54%
Car Insurance Laws

State minimum insurance requirements in Rhode Island

In Rhode Island, the state minimum coverage requirement is liability with limits of:
Optional coverage in Rhode Island (varies by carrier):

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.

Top Rhode Island Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Rhode Island.

Car Insurance FAQs

Are digital insurance cards accepted in Rhode Island?


What does this mean for you?

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.

Do I need uninsured motorist coverage in Rhode Island?

Uninsured Drivers in Rhode Island
Rhode Island




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Rhode Island cities?

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 East, Rhode Island, and the most expensive in Providence, Rhode Island.

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

Recent Rhode Island Car Insurance Questions and Answers

Which insurance companies insure foreign licenses?

Jul 26, 2018

I’m staying in Rhode Island with a waiver visa and an international driving license. My friend will lend me his ...

I was in a zip car and got into a not-at-fault accident

May 02, 2018

My car rental was hit by a hit and run driver while parked. I got the plate he is insured ...

A drunk person fell on my car, am I covered?

May 01, 2018

My cars back windshield was smashed by a student with his head at my university while he was drunk. The ...

If I’m involved in an accident with a passenger in my vehicle, are they covered?

Jul 29, 2016

I’m going to be taking my neighbor to a doctors appointment and want to know if he will be covered ...

Driving Laws

Rhode Island Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Rhode Island
Annual DUI Arrests
Rhode Island
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

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.

Rhode Island Tour Guide Scholarship

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.


So, Rhode Island students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.