The best car insurance in Rhode Island

The average cost of a full coverage auto insurance policy in Rhode Island is $1,830 a year, but your rates will vary depending on where you live. For example, in Pawtucket, the average rate is $2,166 a year while in Jamestown then the average rate is only $1,412.

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	$3,034
18	State Farm	$2,547
21	State Farm	$1,753
25	State Farm	$1,096
30	State Farm	$964
35	State Farm	$952
45	State Farm	$935
55	State Farm	$881
60	State Farm	$851
65	State Farm	$958
70	State Farm	$958

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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	$1,311	$1,924	$1,504	$2,571	$2,895
DUI	$964	$2,120	$1,992	$5,264	$2,991
Suspended license	$964	$1,986	$1,992	$1,884	$2,991
Open container	$964	$1,846	$1,992	$4,751	$2,991
Expired registration	$964	$1,334	$1,442	$2,097	$2,573
Driving without lights	$964	$1,334	$1,782	$1,884	$2,573
Running a red light	$964	$1,334	$1,782	$2,571	$3,102
Following too closely	$964	$1,334	$1,782	$1,884	$3,102
Hit and run	$964	$2,250	$1,992	$5,264	$2,991
Not-at-fault accident	$964	$1,174	$1,630	$1,791	$1,943
Passing a school bus	$964	$1,684	$1,782	$2,571	$2,991
Reckless driving	$964	$1,684	$1,992	$4,751	$2,991
Speeding	$964	$1,334	$1,992	$2,571	$2,991

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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: $2,498

• Cranston: $2,149

• Warwick: $1,868

• Pawtucket: $2,166

• East Providence: $2,062

• Woonsocket $1,849

• Newport: $1,413

• Central Falls: $2,350

• Westerly: $1,453

• Newport East: $1,389

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.

How much is car insurance per month in Rhode Island?

Drivers in Rhode Island pay an average of $153 per month for car insurance, which comes to $1,830 per year.

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: $50,000 per person/$100,000 per accident

• Property damage liability: $50,000

• Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

• 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.