Temporary Car Insurance in Rhode Island

The Zebra
Jan. 18, 2019

If you are looking for a creative approach to car insurance coverage, you could be interested in a temporary auto insurance policy. However, temporary auto insurance is hard to come by for several different reasons.

Firstly, major insurance companies don't offer policy terms for fewer than six months. Since auto insurance is legally required in every state but one, it can be risky to hop between policies. Additionally, you risk creating gaps in your insurance history if you swap policies often, resulting in higher rates down the road.

The good news is car insurance policies typically run for only six months. This short duration allows auto insurance companies to re-rate — or re-price — your bill with your updated driving profile and demographics.


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It also gives you a perfect chance for you to reevaluate your insurance by checking out other companies. Getting policies online is free, and there isn't necessarily a penalty for switching insurers at the start of a new policy — or even mid-policy, assuming you never let your coverage lapse.

The flexible nature of car insurance makes it relatively simple to find quickly. If you need an insurance policy before you can drive a new vehicle off of the lot, looking for insurance for a long-term rental, or searching for coverage on a vehicle you don't own but drive more than occasionally, think about purchasing a policy and ending the term as needed.

Below are average auto insurance rates in the state of Rhode Island, organized by top insurance companies and cities. If you’re paying substantially more than the rates below, consider making a change.


TEMPORARY CAR INSURANCE RATES IN RHODE ISLAND — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Rhode Island State Average — All Companies$1,002$167
USAA$476$79
Amica$848$141
Allstate$1,042$174
Nationwide$1,100$183
MetLife$1,112$185

The cheapest option for single-month car insurance in Rhode Island is USAA, which can save you $62 monthly, compared to the next-cheapest choice, Amica. In Rhode Island, the average monthly cost of auto insurance is $167, or $1,002 over a six-month period.

The place in which you live has as great an influence on your auto insurance rates as the insurance company you choose. Auto insurance companies take into account the number of local insurance claims when assigning rates by ZIP. View insurance premiums in the biggest cities in Rhode Island and compare how much you’re paying.


TEMPORARY AUTO INSURANCE RATES IN RHODE ISLAND — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Providence$1,127$188
Warwick$858$143
Cranston$1,069$178
Pawtucket$957$183
East Providence$917$153

If your costs don't match those listed above, think about shopping around. The short-term nature of a car insurance policy enhances the importance of remaining informed and ready to shop.

Find out more about temporary car insurance or use our search function to compare policies today.


Additional resources

Learn more about weekend-only car insurance.

Is it possible to get car insurance with no credit history?

Find cheap auto insurance for new drivers.

Check out the best car insurance options for teen drivers.


Get a great policy today!