Get free quote in-app


cheap car insurance in Rhode Island (May 2023)

The better Way to shop for car insurance in Rhode Island

√ Free quotes from 200+ carriers in seconds

√ Lowest rate guaranteed

√ Up to $971 savings per year on average

4.9/5 Rating on the App Store


Why Compare Car Insurance Rates in Rhode Island:

  • On average, people who compare rates save about $970 a year on car insurance
  • is an insurance power broker agency with over 200+ partners
  • Get real personalized quotes from real companies

Car insurance will undoubtedly play a significant role in any claim brought following a traffic accident in Rhode Island, as it will in any state. Like most states, Rhode Island mandates that car owners and drivers maintain specified levels of financial responsibility in the event of an accident (in other words, to purchase liability insurance coverage).

Car insurance is not only required in Rhode Island, but it is also a fantastic way to protect yourself and your valuables. It is recommended that you add coverage or increase your current limits to ensure that you are adequately protected. If you're concerned about a rise in your rates, though, it could be time to look around for a better deal. can help you compare insurance rates from the nation's major insurers side by side. Read on to learn more about Rhode Island's vehicle insurance regulations, how coverage affects car accident cases, and what fines you can expect if you drive without insurance in the state.

Minimum Required Auto Insurance Coverage in Rhode Island

All states require you to buy such insurance coverage before you can register your car. According to the Rhode Island Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $25000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident) $50000 ($100000 for injuries resulting in death)
Property Damage Liability $25000
Uninsured Motorist $25000 bodily injury per person $50000 bodily injury per accident

Cheapest Car Insurance in Rhode Island for Minimum Liability Coverage

Minimum coverage car insurance satisfies state liability requirements, but it may leave you vulnerable to financial problems if it fails to cover an accident. If you want to go this route, State Farm and American Mutual are the lowest insurers in Rhode Island, and Nationwide is the most expensive option for minimal coverage auto insurance.

Company Annual rate
State Farm $349
Amica Mutual $428
American Family $443
Travelers $538
Progressive $662
Allstate $842
Nationwide $898

Do I Need More Than the Minimum Required State Coverage in Rhode Island?

It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect yourself financially. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term.

It is never a good idea to carry only the state-mandated minimums, which puts you and your investments in danger. Although Rhode Island's liability limitations are higher than some other states, this does not guarantee that you will be sufficiently protected. Raising your restrictions is nearly necessary, given how quickly medical expenditures can mount, especially if you damage more than one person.

This is also true for property damage coverage, as the $25,000 limit isn't enough to cover a new car's typical cost if you need to replace one.

To prevent being stuck footing the bill out of pocket, all drivers are strongly advised to increase these limitations. Bodily coverage is also your only option to protect your car.

See what you could save on auto insurance

Rhode Island Car Insurance Laws

CARCO inspection in Rhode Island

A CARCO inspection is a third-party examination that certifies the vehicle's existence and its accessories, options, physical condition, and mileage. Your vehicle is photographed, and a report is created and sent to your insurance company.

To carry certain insurance coverages, including comprehensive and collision, Rhode Island requires that the car undergo such an inspection. In most cases, the inspection takes no more than 15 minutes.

There is no charge for these inspections. You do not need to provide any documents, but you must supply your insurer's name. Any pertinent documents are acceptable, but they are not essential. You'll need to find a nearby location and make an appointment.

PIP laws in Rhode Island

In Rhode Island, personal injury protection (PIP) is not needed.

In Rhode Island, PIP is not even available. Instead of PIP insurance, Rhode Island insurers offer medical payments insurance (often known as MedPay), which covers hospital expenditures incurred due to an automobile accident.

MedPay and PIP insurance are similar in that they both cover your medical expenditures even if you cause a car accident. MedPay, on the other hand, is less comprehensive than personal injury protection, with no provisions for lost pay or assistance with household chores that you are unable to perform owing to your injury.

In no-fault states, personal injury protection is a type of car insurance that covers medical expenses regardless of who caused the collision.

Rhode Island is an at-fault state, which means that following a collision, at least one driver is determined to be "at blame." The average cost of insurance in Rhode Island – $2058 – is extremely high compared to both PIP and non-PIP states, owing to disparities in vehicle insurance rules.

Auto Insurance Coverage Types

Like most states, Rhode Island has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.

To be lawful in Rhode Island, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional coverage alternatives.

Proof of Auto Insurance in Rhode Island

You will be punished and lose your driving privileges and car registration if you are found driving without insurance in Rhode Island.

A first violation is punishable by a license/registration suspension of up to three months and a fine of $100 to $500, according to Rhode Island General Laws § 31-47-9. The penalty for a second offense is a six-month license/registration suspension and a $500 fine. Your license/registration may be suspended for up to one year, and you may be fined $1,000 for a third or subsequent infraction.

Of course, these fines will be little compared to the financial consequences of being involved in a car accident without insurance.

All Rhode Island drivers must have auto insurance. Additionally, proof of insurance must be carried at all times while driving, and this must be shown if law enforcement officers seek it. Continue reading to learn more about the mandatory and optional car insurance coverage in Rhode Island.

You might expect the following penalties if you are found guilty of driving without insurance in Rhode Island:

  • A fine of at least $100 and up to $500 for the first offense.
  • License/registration suspension for up to three months
  • Fees for reinstatement range from $30 to $50.
  • An SR-22 certificate must be filed.

A punishment of $500 is imposed for the second offense:

  • License/registration suspension for up to six months
  • Fees for reinstatement range from $30 to $50.
  • An SR-22 certificate must be filed.

Offenses committed for the third or subsequent time (civil violation):

  • A $1,000 fine is imposed.
  • License/registration suspension for up to one year
  • Fees for reinstatement range from $30 to $50.
  • An SR-22 certificate must be filed.

Average Cost of Auto Insurance Companies in Rhode Island

Car insurance in Rhode Island costs an average of $1108 a year, which is relatively pricey compared to other states. Aside from Rhode Island's minimal requirements and the make and model of your car, several factors determine car insurance quotes in Rhode Island. Since each carrier gives different weight to each of these variables, comparing several carriers is even more critical to ensure you are getting affordable car insurance in Rhode Island for your financial situation.

However, auto insurance premiums are influenced by factors other than geography. The cost of auto insurance is determined by various factors, including your marital status, driving history, credit score, gender, and age.

We looked at Rhode Island's average car insurance prices based on each of the primary rating categories. Read on to determine how much auto insurance costs in your state, or enter your zip code to get customized quotes from top insurers.

Full Coverage Car Insurance in Rhode Island

Company Annual rate
State Farm $705
Amica Mutual $894
American Family $1,018
Travelers $1,089
Progressive $1,287
Nationwide $1,327
Allstate $1,436

Rhode Island Rates for Teen Drivers

Company 16-year-old-male 16-year-old-female
State Farm $3,045 $2,058
Nationwide $6,907 $5,328
Allstate $4,185 $3,585
Travelers $24,721 $17,749
Progressive $12,380 $11,211

Rhode Island Rates for Seniors

Company Annual rate
State Farm $717
Travelers $1,105
American Family $1,194
Amica Mutual $1,202
Nationwide $1,265
Progressive $1,486
Allstate $1,617

Cheapest Car Insurance Quotes For Rhode Island Drivers

Car owners with a clean driving record will discover prices comparable to the state average, with some insurers providing significantly lower rates. State Farm's rates are only a few dollars higher than USAA's for good drivers in Rhode Island. On the other hand, MetLife offers the best prices for skilled drivers.

USAA $979
State Farm $982
Travelers $1,290
Progressive $1,548
Statewide Average $1,611
Amica Mutual $2,047
Nationwide $2,191
Allstate $2,327
MetLife $2,751

Cheap car insurance in Rhode Island for young drivers

As you become older, your auto insurance premiums drop, and young adult rates in Rhode Island are closer to the state average than teen rates. State Farm has the cheapest car insurance rates for male and female young adults, while Progressive has the most expensive rates for this age group.

Rhode Island Rates for Young Adults

Company Annual rate
State Farm $867
Amica Mutual $970
Travelers $1,126
American Family $1,355
Allstate $1,551
Nationwide $1,628
Progressive $1,657

Cheap car insurance for Rhode Island drivers with a speeding ticket

Drivers in Rhode Island should shop around because rates can vary as much as or more than those for a single speeding violation. State Farm is the cheapest, and the rates are comparable for individuals with a clean driving record or a single speeding violation.

Speeding tickets raise annual insurance policy costs, but our research reveals that the cheapest insurance companies in Rhode Island tend to keep consistent when it comes to driving histories. State Farm has the lowest average rate for a driver with one speeding ticket, while MetLife has the most.

State Farm $992
American Family $1,559
USAA $1,122
Travelers $1,580
Statewide Average $2,015
Amica Mutual $2,057
Progressive $2,267
Nationwide $2,592
Allstate $2,900
MetLife $3,267

Cheap auto insurance for Rhode Island drivers after a car accident

An accident claim on your driving record can raise your rates even more, but there will be a greater pricing range than speeding tickets. The rates charged by USAA are the lowest and are lower than the rates charged by USAA to drivers who have received a speeding ticket.

State Farm comes in second. According to our research, Allstate has the highest premiums.

USAA $989
State Farm $1,355
Travelers $1,502
Progressive $3,164
Nationwide $2,201
American Family $1,012
Statewide Average $2,248
Amica Mutual $2,722
MetLife $3,332
Allstate $3,440

Cheap car insurance quotes for Rhode Island drivers with a DUI

Driving under the influence or while inebriated is one of the more serious offenses that can be committed (DUI). You may expect to pay the most if you have a DUI on your record, compared to most other driving demographics, except teenagers. Amica is the most expensive insurer in our survey for Rhode Island drivers following a DUI, charges roughly seven times that amount.

State Farm $992
USAA $1,837
Travelers $2,012
American Family $1,512
Progressive $2,043
Statewide Average $3,334
Allstate $3,535
Nationwide $4,087
MetLife $4,742
Amica Mutual $6,887

Cheap car insurance for married Rhode Island drivers

Married drivers pay significantly less for auto insurance than single drivers, with a full-coverage policy costing them an average of $48 less. Progressive, and Nationwide offer the best insurance prices in Rhode Island for married couples.

Company Annual rates
Progressive $2307
Nationwide $2514
Allstate $3405
Amica $4725

Cheap full coverage car insurance quotes for young drivers with an accident history

The majority of young individuals have difficulty finding affordable vehicle insurance. Finding a low-cost insurance policy will be even more difficult if you're young and have a history of accidents. After a crash, 18-year-old drivers pay an average of $4710 for full coverage.

With an average annual premium of $3129, Allstate is the Rhode Island insurer that gives young drivers the best full-coverage insurance rates. This is 32% less than the national average of all insurers.

Company Annual rates
Allstate $3129
Nationwide $5178
Progressive $6522
Amica $7083

Compare car insurance rates in top Cities

In Rhode Island, full-coverage car insurance costs an average of $2751. Full-coverage auto insurance is the cheapest in Newport East, while Providence is the most expensive.

City Annual Rate
Adamsville $2,693
Albion $2,669
Ashaway $2,213
Barrington $2,681
Block Island $2,093
Bradford $2,297
Bristol $2,525
Carolina $2,273
Central Falls $3,557
Charlestown $2,321
Chepachet $2,741
Clayville $2,897
Coventry $2,741
Cranston $3,485
Cumberland $2,705
Cumberland Hill $2,693
East Greenwich $2,765
East Providence $3,005
Exeter $2,537
Fiskeville $2,981
Forestdale $3,101
Foster $3,041
Glendale $2,693
Greene $2,657
Greenville $2,837
Harmony $2,837
Harrisville $2,585
Hope $3,029
Hope Valley $2,225
Hopkinton $2,213
Jamestown $2,081
Johnston $3,557
Kenyon $2,285
Kingston $2,345
Lincoln $2,861
Little Compton $2,129
Manville $2,705
Mapleville $2,597
Melville $2,117
Middletown $2,033
Misquamicut $2,141
Narragansett $2,357
Narragansett Pier $2,357
Newport $2,069
Newport East $2,021
North Kingstown $2,465
North Providence $3,629
North Scituate $3,113
North Smithfield $2,561
Oakland $2,609
Pascoag $2,585
Pawtucket $3,365
Peace Dale $2,825
Portsmouth $2,201
Providence $3,785
Prudence Island $2,249
Riverside $3,089
Rockville $2,405
Rumford $3,173
Saunderstown $2,429
Shannock $2,297
Slatersville $2,633
Slocum $2,969
Smithfield $2,801
Tiverton $2,237
Valley Falls $2,693
Wakefield $2,369
Wakefield-Peacedale $2,333
Warren $2,561
Warwick $2,825
West Greenwich $2,621
West Kingston $2,357
West Warwick $2,921
Westerly $2,141
Wood River Junction $2,297
Woonsocket $2,681
Wyoming $2,273

Cheap auto insurance in Rhode Island with bad credit

Company Avg. Annual Premium
USAA $2,099
State Farm $2,176
Nationwide $3,079
Amica Mutual $3,217
Allstate $5,473
Progressive $5,573

Rhode Island auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $2,339 1% $10
Not-at-fault accident $2,375 3% $46
One comp claim $2,376 3% $47
Two comp claims $2,385 3% $56
One Med/PIP claim $2,436 5% $107
At-fault accident - greater than $2000 $2,459 6% $130
At-fault accident - $1000-$2000 $2,459 6% $130
At-fault accident - less than $1000 $2,459 6% $130
Two Med/PIP claims $2,473 7% $144
Failure to wear a seat belt $2,597 12% $268
Child safety restraint $2,644 14% $315
Driving without lights $2,644 14% $315
Failure to show documents $2,667 15% $338
Driving with expired registration $2,798 21% $469
Following too closely $2,822 22% $493
Speeding 6 - 10 MPH over limit $2,829 22% $500
Driving too slowly $2,829 22% $500
Speeding in school zone $2,829 22% $500
Failure to stop at a red light $2,861 23% $532
Speeding 11 - 15 MPH over limit $2,880 24% $551
Speeding 16 - 20 MPH over limit $2,880 24% $551
Illegal turn $2,885 24% $556
Failure to yield $2,885 24% $556
Wrong way/wrong lane $2,889 25% $560
Texting while driving $2,905 25% $576
Cell phone violation $2,905 25% $576
Improper passing $2,913 26% $584
Speeding 21 - 25 MPH over limit $2,941 27% $612
Passing school bus $3,006 30% $677
Operating a vehicle without permission $3,059 32% $730
In 65 MPH zone $3,089 33% $760
Open container $3,526 52% $1,197
Driving with a suspended license $4,213 81% $1,884
Reckless driving $4,267 84% $1,938
Refusal to submit to a chemical test $4,322 86% $1,993
DUI $4,369 88% $2,040
Racing $4,481 93% $2,152
Leaving scene of an accident/hit and run $4,537 95% $2,208

See what you could save on auto insurance

Car insurance price trends in Rhode Island

Year Avg. Annual Premium - Rhode Island Yearly Change - Rhode Island Avg. Annual Premium - US Yearly Change - US
2021 $2,116 $243 $1,539 $56
2020 $1,883 -$230 $1,493 -$51
2019 $2,103 -$117 $1,554 $33
2018 $2,230 $223 $1,531 $94
2017 $2,017 $32 $1,447 $79
2016 $1,995 $366 $1,378 $98
2015 $1,639 $82 $1,290 $61
2014 $1,547 $85 $1,239 $44
2013 $1,452 -$86 $1,205 -$70
2012 $1,548 $180 $1,286 $92

How to find the best car insurance in Rhode Island

Getting cheap auto insurance quotes in Rhode Island is more accessible than in most other states. Always remember getting affordable car insurance quotes in Rhode Island does not mean that it is the final rate. The auto insurance quotes in Rhode Island are just an estimation of what the rate would look like. The car insurance premium would be slightly different. Usually, the final premium decided by the company will be higher.

The expert analysts at performed an annual survey of the best car insurance companies in Rhode Island to see which ones have the best coverage, rates, and service.

If you're looking for cheap auto insurance in Rhode Island, you should start by looking for car insurance quotes Rhode Island from car insurance companies in Rhode Island. There are other ways to save money as well. Here are some options to get affordable car insurance in Rhode Island:

  • Compare rates: Obtaining quotes from several different insurance companies to determine which one can provide you with the best rate for the level of coverage you require may assist you in finding a policy at a reduced cost.
  • Please pay upfront: Drivers who can afford to pay their vehicle insurance premium in full may be eligible for a reduction.
  • Take a defensive driving course: Many insurance companies provide discounts to drivers who finish a defensive driving course that has been authorized.
  • Improve your credit score: Your credit score impacts your auto insurance quote because drivers with lower credit scores file more claims statistically. You might be able to save money by improving your credit score.

Consider whether a provider's discounts are eligible for while making a decision. One of the simplest ways to save money on vehicle insurance is to take advantage of discounts.

Car insurance is a highly personalized transaction, so the provider, coverages, policy features, and discounts you select will be significantly influenced by your unique circumstances. Taking stock of what you want and need from a firm may assist you in finding the best coverage for you.

How to Get Discounts on Car Insurance in Rhode Island

Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

Who has the cheapest car insurance in Rhode Island?

The cheapest full-coverage vehicle insurance provider in Rhode Island is Progressive, with an average full coverage auto insurance rate of $3597. Progressive is the lowest full coverage automobile insurance company in Rhode Island.

How much is car insurance in Rhode Island?

The average cost of car insurance in Rhode Island is $1884 per year.

How much is car insurance per month in RI?

On average, car insurance in Rhode Island costs $126 per month or $1521 per year. This is more than the average cost of vehicle insurance in other states.

Why is car insurance so expensive in RI?

Rhode Island car insurance is pricey due to the state's second-highest population and extremely high auto maintenance costs. Rhode Island car insurance is more expensive than the national average, roughly $1500 for full coverage and roughly $600 for minimal coverage.

Do you need car insurance in Rhode Island?

A minimum level of auto insurance is required by state law in Rhode Island. The minimum vehicle insurance needed in Rhode Island is $25,000 bodily injury per person per accident. $50,000 in bodily injury for all those involved in an accident.

Is it illegal to drive without insurance in Rhode Island?

Driving a motor vehicle without proof of insurance or financial responsibility is illegal in the state of Rhode Island. Throughout the registration term, the driver must show proof of continuing insurance.

Is car insurance cheaper in Rhode Island?

Progressive and Nationwide had the least annual rates for minimal liability auto insurance. The three insurers give an average of $1338 per year in auto insurance quotations. This is around 3% less expensive for a minimum coverage policy than the state average in Rhode Island.

What is full coverage RI?

In Rhode Island, full coverage insurance is typically characterized as a policy covering more than the state's minimum liability coverage, which is $25,000 per person, $50,000 per accident, and $25,000 in property damage coverage.

What type of auto insurance is required by law in Rhode Island?

It would be best to have minimum bodily injury liability limits of $25,000 per person and $50,000 per accident in Rhode Island. This means you're covered for losses done by a single individual up to $25,000 and up to $50,000 in a single accident if more than one person is involved.

Is RI a no fault state?

Rhode Island is not a no-fault state. Hence PIP coverage is not available. As a result, anyone injured in a car accident in Rhode Island, no matter how minor or severe, can file a claim or file a lawsuit against the at-fault driver right once.

Learn more by city and state for car insurance

Learn more by city and state for car insurance

Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!


app store
google play