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.
Methodology & why you can trust our rates
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.
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 | $950 | 882 |
USAA | $1,106 | 890 |
Travelers | $1,348 | 854 |
GEICO | $1,502 | 874 |
Main Street America | $1,717 | -- |
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 |
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 |
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 |
|---|---|
State Farm | $1,982 |
GEICO | $2,104 |
Travelers | $2,388 |
USAA | $2,392 |
Nationwide | $3,305 |
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.
