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

The Zebra
Feb. 7, 2019

Car insurance is expensive in Rhode Island. The average auto insurance price in Rhode Island is $2,004 per year — more than the US average by 40.4%.

But car insurance costs are affected by factors other than the state in which you live. Car insurance premiums incorporate an array of factors, including a motorist's marital status, driving history, credit rating, gender, and age.

We reviewed average Rhode Island auto insurance rates by each of the main rating qualifications. See below how much car insurance costs in your state — or enter your zip code to see tailored rates from top insurance companies.


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Average Rhode Island car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Costs in Rhode Island by Age Group

It's impossible to avoid: as you age, your car insurance rates change. Generally speaking, car insurance is pricier for teenage drivers, as car insurance companies see inexperienced motorists as less responsible.

In Rhode Island, auto insurance costs $9,694 each year for a 16-year-old motorist, compared to $1,699 annually for a client aged between 50 and 59.


RHODE ISLAND CAR INSURANCE PRICES 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

If you're facing the pricey prospect of insuring a teen driver, it's worth noting Rhode Island is the 4th-most-expensive state in which to purchase car insurance for a 16-year-old.




Average Auto Insurance Outlays in Rhode Island by Gender

While gender does not have as significant an impact on car insurance rates as state or experience level, it is used as a rating factor by insurers.


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

If you're worried you aren't getting the best deal with your present auto insurer, the best option is to do some comparison shopping.




Average Car Insurance Rates in Rhode Island by Marriage Status

One pro of married life — in addition to the honeymoon — is the lower prices you may receive on your car insurance policy. In the state of Rhode Island, married drivers save $125 each year on auto insurance. This is more than the US mean of $76.


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

Auto insurance for divorced drivers in Rhode Island is the 4th most expensive in the nation. If you are being overcharged for your auto insurance policy, don't hesitate to shop around. It never hurts to see what's out there!




Average Car Insurance Costs in Rhode Island by Credit

Car insurers utilize credit history to get an idea of how reliable a client will be. Data trends indicate motorists who carry solid credit are more reliable auto insurance clients: they less frequently file claims insurance companies are compelled to repay.

In Rhode Island, a driver who carries excellent credit saves $1,955.47 annually in insurance payments, compared to a driver saddled with a poor credit score. Read more about how credit affects car insurance expenses:


RHODE ISLAND CAR INSURANCE EXPENDITURES BY CREDIT
Credit LevelAverage 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

Finding affordable car insurance with a bad credit history is difficult. But we're here to assist. Check out our tips on finding car insurance with bad credit and save!




Typical Car Insurance Costs for High-Risk Drivers in Rhode Island

If you are determined to be at fault in a crash or found guilty of an on-road offense, your car insurance costs are bound to rise. The more violations you accumulate, the pricier your auto insurance becomes.

In Rhode Island, your first minor at-fault accident results in a penalty of $390.73 per year in auto insurance premiums. A DUI — among the most severe driving violations — will boost your insurance rates in Rhode Island by an average of $1,491.06.


RHODE ISLAND CAR INSURANCE RATES AFTER INFRACTIONS
AgeAverage Yearly Premium
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 your car insurance premiums cost more than average, consider shopping policies to find affordable insurance coverage that fits your needs.




Average Auto Insurance Prices by Coverage in Rhode Island

The amount you pay every month for car insurance depends on the level of coverage you select. Liability-only coverage usually is less expensive, while low-deductible comprehensive coverage costs more. In Rhode Island, the premium difference between liability-only coverage and comprehensive coverage with a $500 deductible is $889.


RHODE ISLAND AUTO INSURANCE PRICES BY COVERAGE
Coverage LevelAverage Yearly Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$1,186
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,875
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$2,060
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$1,026
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,719
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,904
State Minimum — Liability Only$920
State Minimum — $1,000 Comprehensive/Collision$1,622
State Minimum — $500 Comprehensive/Collision$1,809

If your policy is more costly than the state average, think about policy shopping to get cheap insurance coverage that covers your vehicle appropriately.


Find cheap insurance today!

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