The best car insurance in Rhode Island

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.

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.

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.

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
60	State Farm	$881
65	State Farm	$990
70	State Farm	$990

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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
Suspended license	$997	$2,010	$1,940	$1,825	$3,003
Open container	$997	$1,866	$1,940	$4,605	$3,003
Expired registration	$997	$1,344	$1,422	$2,028	$2,583
Driving without lights	$997	$1,344	$1,745	$1,825	$2,583
Not showing documents	$997	$1,344	$1,422	$2,028	$2,583
Running a red light	$997	$1,344	$1,745	$2,487	$3,114
Failure to yield	$997	$1,344	$1,745	$2,487	$3,114
Following too closely	$997	$1,344	$1,422	$1,825	$3,114
Hit and run	$997	$2,279	$1,940	$5,104	$3,003
Illegal turn	$997	$1,344	$1,745	$2,487	$3,114
Improper passing	$997	$1,344	$1,745	$2,487	$3,114
Not-at-fault accident	$997	$1,180	$1,597	$1,736	$1,947
Passing a school bus	$997	$1,701	$1,745	$2,487	$3,003
Racing	$997	$2,147	$1,940	$5,104	$3,003
Reckless driving	$997	$1,701	$1,940	$4,605	$3,003
Speeding	$997	$1,344	$1,940	$2,487	$3,003

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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.

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

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

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.