The best car insurance in Rhode Island

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 19, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

The average cost of a full coverage auto insurance policy in Rhode Island is $1,860 a year, but even in a small state, rates vary depending on where you live. In Pawtucket, the average rate is $2,186 a year while in Jamestown then the average rate is only $1,435.

Ready to shop car insurance?

Start calculator

The best way to find cheap car insurance is to compare quotes from multiple companies before you buy. Policygenius can show you quotes from top car insurance companies, so you can be sure you’re getting the coverage you need at an affordable rate.

Key Takeaways

  • State Farm has the cheapest car insurance rates in Rhode Island at $983 per year

  • State Farm also has the cheapest car insurance for 16-year-olds in Rhode Island

  • Rhode Island requires $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

Cheapest car insurance companies in Rhode Island

Each insurance company considers the same factors, like your age, driving history, address, and credit score in determining your rate.

Although they all use the same data, they don’t weigh each factor in the same way, so you could be offered the same insurance coverage at different rates depending on the company. That’s why it’s so important to shop around before you buy.

Company

Average cost

JD Power Rating

State Farm

$983

881

USAA

$1,111

890

Travelers

$1,337

861

GEICO

$1,456

871

Main Street America

$1,714

--

Cheapest car insurance companies by age in Rhode Island

Young drivers pay the most for car insurance of any age group, because their inexperience on the road means they're more likely to get into an accident and need to file a claim.

Age

Cheapest company

Average cost

16

State Farm

$3,112

18

State Farm

$2,615

21

State Farm

$1,805

25

State Farm

$1,132

30

State Farm

$997

35

State Farm

$984

45

State Farm

$967

55

State Farm

$911

Choosing the right car insurance company in Rhode Island

There’s no one right company for every driver. Because car insurance rates are so personalized, the company that offers your neighbor their cheapest rates may not be the most affordable one for you.

The only way to be sure you’re finding the best company for you is to shop around and compare quotes before you buy. Policygenius makes it easy to compare options, so you can pick the car insurance company that offers you the most coverage at the lowest rate.

Car insurance rates for drivers with driving violations in Rhode Island

The more driving violations or accidents on your record, the higher your car insurance rates will be, and more serious violations lead to bigger increases. Do what you can to avoid accidents and speeding tickets and you will get a better rate on car insurance.

Violation

State Farm

USAA

Travelers

GEICO

Main Street America

At-fault Accident

$1,350

$1,872

$1,472

$2,487

$2,909

DUI

$997

$2,147

$1,940

$5,104

$3,003

Driving with a suspended license

$997

$2,010

$1,940

$1,825

$3,003

Driving with an open container

$997

$1,866

$1,940

$4,605

$3,003

Driving with expired registration

$997

$1,344

$1,422

$2,028

$2,583

Driving without Lights

$997

$1,344

$1,745

$1,825

$2,583

Failure to show documents

$997

$1,344

$1,422

$2,028

$2,583

Failure to stop at a red light

$997

$1,344

$1,745

$2,487

$3,114

Cheapest car insurance for drivers with bad credit in Rhode Island

Poor credit scores mean higher car insurance rates, so if you know you have bad credit, it’s even more important to shop around for coverage before you buy.

Company

Rates for drivers with bad credit

GEICO

$2,038

State Farm

$2,050

Travelers

$2,315

USAA

$2,421

Nationwide

$3,186

Car insurance costs in Rhode Island cities

Your neighborhood also affects what you’ll pay for car insurance. The numbers of accidents and claims, reports of car theft and vandalism, even the average cost of car repairs where you live will affect what you’ll pay for coverage.

  • Providence: $2,529

  • Cranston: $2,198

  • Warwick: $1,923

  • Pawtucket: $2,186

  • East Providence: $2,088

  • Woonsocket $1,852

  • Newport: $1,421

  • Central Falls: $2,377

  • Westerly: $1,501

  • Newport East: $1,423

Ready to shop car insurance?

Start calculator

Buying car insurance in Rhode Island

You are required to have car insurance in order to register a car in Rhode Island. The minimum amount of car insurance coverage required by law is:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $25,000

  • Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident

Rhode Island drivers must carry proof of car insurance in their vehicle and it must be carried throughout the registration period. If you can’t show proof of insurance when it’s requested, then you may race consequences including fines and license suspension.

How to get cheap car insurance in Rhode Island

  • Drive safely: Avoid accidents and driving violations if you want the lowest rates on your car insurance

  • Compare quotes: You should compare options from several insurers if you want to get the cheapest rate possible

  • Bundle policies: Get your car and home insurance policies from the same company and save on both

  • Score discounts: Earn savings for paying your premiums in full, going paperless, taking a defensive driving course or sticking with the same insurance company

Frequently asked questions

Who has the cheapest car insurance rates in Rhode Island?

The cheapest insurance companies in Rhode Island are State Farm and USAA, although USAA policies are only available to families associated with the U.S. military.

Is Rhode Island a no-fault state?

Rhode Island is not a no-fault state. The car insurance company of the driver who is at-fault for an accident will pay the medical bills and repair costs of the other party in the accident.

Does Rhode Island require car insurance?

Yes, Rhode Island requires $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage. Uninsured/underinsurance motorist coverage is also required.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.