What's the Average Cost of Auto Insurance in Rhode Island?

The Zebra
Oct. 11, 2018

Auto insurance is expensive in Rhode Island. The average car insurance price in Rhode Island is $2,004 annually — more than the national average by 40.4%.

Your car insurance prices are affected by factors aside from your location. Car insurance premiums consider an array of factors, including your age, gender, marital status, credit rating, and driving history.

We analyzed mean Rhode Island auto insurance rates by each of the major pricing factors. Read on to learn how much car insurance runs in your state — or submit your zip code to see tailored prices from top car insurance companies.


Average Auto Insurance Rates in Rhode Island by Age

It’s a fact of life: as you age, your car insurance rates change. As a general rule, car insurance is pricier for teenage drivers, as underwriters view inexperienced drivers as more risky.

In Rhode Island, auto insurance costs $9,694 annually for a 16-year-old driver, but only $1,699 annually for a driver aged from 50 to 60.


RHODE ISLAND AUTO INSURANCE RATES BY AGE
AgeAverage Yearly Premium
16$9,694.23
17$8,304.25
18$7,295.56
19$4,638.14
20s$2,614.66
30s$1,880.83
40s$1,799.42
50s$1,698.89
60s$1,932.46
70s$2,120.28



Average Auto Insurance Premiums in Rhode Island by Gender

While gender doesn’t have as significant an impact on car insurance costs as location or experience level, it is employed as a rating factor. Women pay less than do men for car insurance in Rhode Island, but the difference is just $34.56 annually.

RHODE ISLAND AUTO INSURANCE PRICES FOR MEN AND WOMEN
GenderAverage Yearly Premium
Male$1,909.79
Female$1,875.23



Average Car Insurance Premiums in Rhode Island by Marital Status

One benefit of getting hitched — in addition to the honeymoon — is the improved deal you may get on your car insurance policy. In Rhode Island, married drivers save $125 annually on car insurance policies. This is a better deal than the national average of $76.


RHODE ISLAND AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,909.79
Married$1,784.47
Divorced$1,909.79
Widowed$1,847.43



Average Car Insurance Costs in Rhode Island by Credit Score

Auto insurers use credit history as a prediction of the reliability of a prospective customer. Data trends show drivers who hold excellent credit histories are more insurable car insurance customers: they are less likely to file claims , saving insurance companies claims payout costs.

In the state of Rhode Island, a driver who maintains exceptional credit saves $1,955.47 per year in car insurance premiums, compared with a driver who has a bad credit history. Learn more about how credit history can affect car insurance outlays:


RHODE ISLAND CAR INSURANCE RATES BY CREDIT TIER
Credit TierAverage Annual Premium
Very Poor (300-579)$3,572.57
Fair (580-669)$2,991.71
Good (670-739)$2,461.87
Very Good (740-799)$2,016.32
Exceptional (800-850)$1,617.11



Average Car Insurance Costs for Bad Drivers in Rhode Island

If you’re discovered to be to be at fault in an accident or found guilty of a vehicular violation, your auto insurance costs are bound to rise. The more violations you rack up, the pricier your car insurance policy gets.

In Rhode Island, your first minor at-fault crash leads to an additional $390.73 each year in auto insurance payments. A DUI — among the most grave driving infractions — can increase your yearly insurance rates in Rhode Island by an average of $1,491.06.


RHODE ISLAND CAR INSURANCE RATES AFTER TICKETS
AgeAverage Annual Rate
DUI/DWI$3,495.35
Reckless Driving$3,638.73
At-Fault Accident (<$1,000)$2,395.02
At-Fault Accident ($1,000-$2,000)$2,500.72
At-Fault Accident (>$2,000)$2,796.54
Open Container$3,242.45
Speeding (21-25 MPH > limit)$2,496.96
Speeding (16-20 MPH > limit)$2,496.96

If you're tired of dealing with expensive car insurance, consider shopping to get affordable insurance coverage that meets your requirements.


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