Rhode Island Auto Insurance (2023)
Rhode Island auto insurance costs $176 per month on average, 38% more than the national average, but you can still save.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Dec 16, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 16, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
If you live in Rhode Island and need cheap car insurance, it’s important to shop online and compare quotes from several companies. The average cost of auto insurance in Rhode Island is $2,106 annually, breaking down to about $176 per month for coverage.
While the costs are 38% higher than the national average, there’s a good chance you can find cheaper rates if you have a clean driving record. Still, you don’t want to take the first option you find without comparing it to quotes from other competitors in your area.
You won’t know how much you’ll pay for car insurance coverage until you find and compare quotes from multiple companies. Each insurer considers several factors when determining a person’s rates, like age, ZIP code, credit score, and driving history.
When you shop for coverage, you could find cheap auto insurance rates online with multiple companies in Rhode Island.
The cheapest company for Rhode Island auto insurance is State Farm. Read our State Farm auto insurance review to learn more about the company, or scroll down to start comparing Rhode Island car insurance rates with different companies.
Table of Contents
Which company offers the cheapest liability-only car insurance in Rhode Island?
If you purchase the minimum coverage required in Rhode Island, you’ll likely have lower-than-average coverage rates. Liability auto insurance coverage is a good way to save money on car insurance since you’re purchasing the lowest possible coverage.
Still, a minimum coverage policy may not be a great idea if you want to ensure you’re protected on the road no matter what.
The average cost for minimum coverage in Rhode Island is $838 annually or $70 per month. Many Rhode Island residents can save around $1,359 annually or $113 per month by choosing a liability policy.
| Insurance Company | Average Minimum Coverage Rates | |
|---|---|---|
| Allstate | $61 | |
| American Family | $44 | |
| Farmers | $53 | |
| Geico | $31 | |
| Liberty Mutual | $68 | |
| Nationwide | $44 | |
| Progressive | $39 | |
| State Farm | $33 | |
| Travelers | $37 | |
| Average | $45 | |
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State Farm charges the lowest amount for a minimum coverage policy. The average rate is $371 annually or $31 per month. The next cheapest option is Amica Mutual at $679 annually or $57 each month. As you can see, there’s a significant difference between these two companies. Read our Amica Mutual car insurance review to learn more.
Allstate charges the most for a minimum coverage policy. The average rate for a liability policy with Allstate in Rhode Island is $1,283 annually or $107 monthly, $76 a month more than a policy with State Farm.
It’s important to consider whether a minimum coverage policy offers the protection you need when you’re on the road. For example, if you have a newer car, owe money on your vehicle, or have an expensive vehicle, you may want to consider purchasing additional coverage to protect your investments.
Many drivers choose to purchase full coverage policies that include both collision and comprehensive insurance. Without these options, you’ll pay for any repairs to your vehicle out of pocket.
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Which company offers the cheapest full coverage auto insurance in Rhode Island?
A full coverage car insurance policy typically includes all the state minimum requirements, collision coverage, and comprehensive coverage. Therefore, if you purchase a full coverage policy, your rates will be higher than with a liability-only policy.
A full coverage policy consists of both collision and comprehensive coverage. With collision insurance, repairs to your vehicle will be covered if you’re in a car accident. This coverage will help with repairs even if you’re considered to be at fault in an accident.
Comprehensive insurance helps to cover vehicle damage not caused by a collision. Instances of comprehensive claims include damage from hail, falling debris, or vandalism.
If you have a lease on your vehicle, you may be required to carry a full coverage policy. Even if you own your car and don’t make payments, you should consider purchasing a full coverage policy for added protection. Otherwise, you may have to pay for damage to your vehicle out of pocket.
| Insurance Company | Average Full Coverage Rates | |
|---|---|---|
| Allstate | $160 | |
| American Family | $117 | |
| Farmers | $139 | |
| Geico | $80 | |
| Liberty Mutual | $173 | |
| Nationwide | $115 | |
| Progressive | $105 | |
| State Farm | $86 | |
| Travelers | $99 | |
| Average | $120 | |
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State Farm offers the cheapest full coverage on average in Rhode Island. The annual rate for a full coverage policy with State Farm is $1,053, about $88 a month.
Amica Mutual offers the second-cheapest option for full coverage. Full coverage rates with Amica are around $1,793 annually or $149 monthly.
Allstate charges the most for a full coverage policy in Rhode Island. The company charges $3,947 annually or $329 a month for coverage.
Can I get cheap car insurance in Rhode Island with bad credit?
Believe it or not, you’ll likely pay higher rates for car insurance if you have a poor credit score. Statistically, there’s a correlation between bad credit and a higher likelihood of filing claims. Many companies automatically charge people with bad credit higher premiums to offset this, so finding the best auto insurance companies for bad credit can be a challenge.
In Rhode Island, the average cost of car insurance for someone with bad credit is around $1,677 annually or $140 a month. However, you may be able to find cheaper rates with certain companies.
| Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
|---|---|---|---|
| American Family | $203 | $136 | $116 |
| Average | $226 | $148 | $123 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| USAA | $129 | $76 | $63 |
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State Farm charges the lowest rates among well-known companies if you have bad credit. Unfortunately, State Farm’s rates are automatically higher than the state average. The company charges $2,166 annually or $181 a month for coverage.
Progressive charges the highest premiums for car insurance if you have bad credit. The average auto insurance rate for someone with a poor credit score is $5,563 annually or $464 monthly.
If you have bad credit, the best thing you can do to get a better rate is to improve your credit score. It can take a while to improve your credit, but as you do, you should notice your car insurance costs less. You can compare quotes at least once yearly to see if you can get cheaper coverage with a new insurer.
Can I get cheap auto insurance in Rhode Island if I have an accident on my record?
It’s common knowledge that finding cheap auto insurance after an accident can be a challenge. For example, in Rhode Island, you could pay around $200 more each year for car insurance if you were in an accident.
| Insurance Company | Rates with an Accident | Rates with a Clean Record | ||
|---|---|---|---|---|
| Allstate | $225 | $160 | ||
| American Family | $176 | $117 | ||
| Average | $172 | $120 | ||
| Farmers | $198 | $139 | ||
| Geico | $132 | $80 | ||
| Liberty Mutual | $234 | $173 | ||
| Nationwide | $161 | $115 | ||
| Progressive | $186 | $105 | ||
| State Farm | $102 | $86 | ||
| Travelers | $139 | $99 | ||
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State Farm has the lowest rates for someone with an at-fault accident on their record. Rates with the company are around $1,053 annually or $88 a month, whereas Amica Mutual charges $1,793 annually or $149 monthly.
Progressive and Allstate charge the highest rates. Progressive charges $3,857 annually or $321 a month, and Allstate charges $3,947 annually or $329 each month.
If you have an accident on your driving record, you could see your rates drop once the accident falls off your record. In Rhode Island, you can expect the accident to impact your rates for up to three years. Still, you should shop online and compare quotes at least once yearly to ensure you’re not overpaying for coverage.
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Can young drivers find cheap car insurance in Rhode Island?
Almost every driver can find cheap car insurance in Rhode Island. However, if you’re looking for car insurance for a teen or young adult driver, you can expect to pay higher-than-average rates for coverage.
Teen and young adult drivers can pay up to six times what drivers in their mid-30s pay for coverage. The average cost for car insurance for teen drivers in Rhode Island is $8,783 annually or $732 a month.
Rhode Island auto insurance companies often charge young drivers higher rates because they have less experience on the road and are more likely to get into an accident or file a claim. Still, some companies are cheaper than others regarding car insurance for teens and young adults.
| Insurance Company | 16-Year-Old Male With a Clean Record | 16-Year-Old Female With a Clean Record | 18-Year-Old Male with a Clean Record | 18-Year-Old Female with a Clean Record |
|---|---|---|---|---|
| Allstate | $638 | $608 | $519 | $448 |
| American Family | $480 | $390 | $390 | $288 |
| Farmers | $742 | $778 | $603 | $573 |
| Geico | $312 | $298 | $254 | $220 |
| Liberty Mutual | $778 | $716 | $633 | $528 |
| Nationwide | $476 | $411 | $387 | $303 |
| Progressive | $814 | $801 | $662 | $591 |
| State Farm | $349 | $311 | $284 | $229 |
| Travelers | $897 | $709 | $729 | $523 |
| Average | $610 | $558 | $496 | $411 |
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State Farm charges teens and young adults $3,303 on average for car insurance each year, equating to $275 per month. In comparison, Progressive charges a whopping $14,737 annually for teen and young adult drivers, or $1,128 monthly.
Teens and young adults can save money on car insurance by jumping on a parent or guardian’s policy. However, if this is impossible for you, your best bet is to shop around and compare quotes from several providers.
Certain providers may offer discounts based on good grades or defensive driving courses. These discounts could help you save anywhere from 5% to 15% on your car insurance.
Do insurance rates in Rhode Island vary based on where you live?
In most states, you’ll likely find that where you live significantly impacts your car insurance rates. Car insurance companies set a person’s rates by considering several factors. One of the factors many companies consider is your ZIP code.
You may enjoy lower rates if you live in a rural area that experiences less traffic and fewer crime incidents. Similarly, your car insurance rates may be higher than average if you live in a crowded or highly trafficked area.
In Rhode Island, the cheapest auto insurance rates are often in Middletown. Unfortunately, Providence carries the highest car insurance premiums.
As you can see from the chart, rates can vary significantly from one city to another. So if you live in a city with a higher average for auto insurance, you should still shop around and compare rates to ensure you aren’t overpaying for coverage.
How can a DUI impact car insurance rates in Rhode Island?
A DUI conviction in Rhode Island can raise your car insurance rates by 87% or around $2,000 annually. Finding affordable coverage will be challenging if you have a DUI on your record. Still, some companies charge less than others for auto insurance after a DUI, so it’s important to shop around.
| Insurance Company | Rates with a DUI | Rates with a Clean Record | ||
|---|---|---|---|---|
| State Farm | $112 | $86 | ||
| Progressive | $140 | $105 | ||
| Farmers | $192 | $139 | ||
| American Family | $194 | $117 | ||
| Travelers | $206 | $99 | ||
| Geico | $216 | $80 | ||
| Nationwide | $234 | $115 | ||
| Allstate | $270 | $160 | ||
| Liberty Mutual | $313 | $173 | ||
| Average | $209 | $120 | ||
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The average annual premium for a minimum coverage policy in Rhode Island is around $3,800 yearly. State Farm offers coverage for individuals with a DUI for $1,053 annually or $88 monthly. Remember that this cost is for a liability-only policy — full coverage will cost more.
Progressive offers the second-cheapest option with an annual rate of around $3,861, equating to roughly $322 a month. Nationwide charges $347 monthly, and Geico charges $382 a month. Allstate charges individuals with a DUI on their driving record $4,853 annually or $404 monthly.
The most expensive insurance company for someone with a DUI is Amica. The company charges $6,975 annually or $581 monthly for coverage if you have a DUI conviction.
Unfortunately, a DUI stays on your driving record for years — in Rhode Island, a DUI remains on your driving record for a minimum of five years. Once the DUI drops from your driving record, your car insurance rates should decrease. If not, you’ll need to shop around and compare rates with other companies.
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Do I have to have car insurance in Rhode Island?
It’s illegal in most U.S. states to drive without car insurance. In Rhode Island, you must have car insurance to drive, as the state requires a specific coverage level for all drivers. You must show proof of insurance if you ever get pulled over in Rhode Island.
The minimum coverage in Rhode Island will be cheaper than a full coverage policy in the state. Still, you may want to consider purchasing more than the state’s minimum coverage amounts to ensure you have enough protection on the road.
How much car insurance do I need in Rhode Island?
You must carry bodily injury and property damage liability to drive legally in Rhode Island. Bodily injury coverage pays for another person’s medical bills in an accident you caused. Property damage coverage helps pay for another person’s vehicle or property if you damaged it during an accident.
The required coverage amounts in Rhode Island are:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per accident
- $25,000 property damage liability per accident
Rhode Island’s minimum coverage amounts can be written as 25/50/25. Most insurance companies in Rhode Island will help you ensure you have proper coverage when you purchase a policy. Still, it is ultimately your responsibility to maintain proper levels of coverage if you drive in the state.
Keep in mind that the state minimums are fairly low. If you get in a car accident and cause more than 25/50/20 damage, you could end up paying for it out of pocket. To avoid doing so, you may want to purchase higher coverage levels.
Speak with an insurance representative or agent to learn more about your options.
Are there other car insurance coverages available in Rhode Island?
In addition to Rhode Island state minimum requirements, you can purchase additional coverage options.
Some of the most common car insurance coverage options include:
- Comprehensive coverage. This coverage helps pay for damage to your vehicle caused by something other than an accident, such as wind, hail, falling debris, or vandalism.
- Collision coverage. This coverage pays for damage to your vehicle from an accident. Collision coverage kicks in regardless of who is at fault in the accident.
- GAP insurance. If you owe more on your car than it’s worth based on its actual cash value, GAP insurance pays the difference, so you don’t pay for your loan out of pocket if the vehicle gets totaled.
- Medical payments (MedPay). MedPay covers medical bills related to an accident, such as visits to the doctor and hospital stays.
- Roadside assistance. Roadside assistance offers help if you get stranded on the road and need towing services, flat tire repair, lockout services, or fuel delivery. Some companies may include roadside assistance in a full coverage policy, but many don’t.
- Rental car reimbursement. If your vehicle gets damaged and needs repair, this coverage helps reimburses you for rental car expenses during that time.
- Uninsured/underinsured motorist coverage. This coverage helps to cover your injuries or property damage caused by another driver with no insurance, insufficient insurance, or a hit-and-run driver.
You may choose to carry only your state’s minimum requirements. However, if you add more coverage to your auto insurance policy, you’ll be better protected on the road. It’s important to note that Rhode Island’s minimum coverage requirements don’t help if your vehicle gets damaged in an accident and you’re at fault.
Purchasing collision and comprehensive insurance with liability make a full coverage policy. Some insurance companies offer additional coverage in a full coverage policy, but this varies from one insurance company to the next.
In Rhode Island, a full coverage policy with a $1,000 deductible costs around $1,893 annually or $158 a month. A full coverage policy with a $500 deductible is more than 162% higher than a minimum coverage policy in Rhode Island.
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What is SR-22 insurance?
There is no such thing as SR-22 insurance. An SR-22 is simply a form you must submit to your department of motor vehicles proving you have financial responsibility as a driver.
Most people won’t need to submit this form, but you may have to if any of the following are true:
- You have a DUI conviction
- You have multiple traffic tickets on your record
- You have one or more at-fault accidents on your record
- You got caught driving without car insurance
- You got caught driving with a suspended or revoked license
- You’re behind on child support payments
You don’t need special insurance if you need to file an SR-22 form with your state. Instead, you need an insurance company to help you file your SR-22 properly. If you have one already, the company may be willing to file the SR-22 on your behalf, but you may have some work to do otherwise.
How can I file an SR-22 if I have insurance?
Filing an SR-22 with an existing insurance policy is simple. You just need to reach out to your current insurer to submit the form on your behalf. Unfortunately, you may have to pay a filing fee of anywhere between $20 to $50.
How can I file an SR-22 if I don’t have insurance?
You’ll need to find an insurance company to file an SR-22 on your behalf. Unfortunately, finding coverage could be difficult, depending on the nature of your driving record. Still, you should be able to find a company to help you by shopping online and comparing car insurance quotes in Rhode Island.
How can I file an SR-22 if I don’t own a vehicle?
You may find the easiest way to file an SR-22 if you don’t own a vehicle is to purchase a non-owner car insurance policy with a company. Speak with representatives from any company you’re considering to let them know your situation. You may receive lower-than-average rates if you don’t drive very often.
Cheap Auto Insurance in Rhode Island: The Bottom Line
If you’re looking for cheap car insurance in Rhode Island, you’ll want to compare auto insurance quotes in Rhode Island from several companies. The average cost of auto insurance in Rhode Island is $2,106 annually, which breaks down to about $176 per month for coverage.
Rhode Island insurance companies offer the state minimum coverage and add-on options for more protection. If you purchase a full coverage policy in Rhode Island, you’ll pay more for your insurance than you would for a minimum coverage policy. However, full coverage offers more protection when you’re behind the wheel.
Rhode Island insurers often charge young drivers more for coverage. If you’re a teen or young adult driver, see if your parents or guardians will add you to their insurance policy so you can get cheaper rates. If that’s not possible, find and compare car insurance quotes to see which company offers the best rates.
You should shop for car insurance coverage at least once a year if you live in Rhode Island. Doing so will help ensure you have the cheapest rates for the coverage you need. Additionally, as your driving record and credit score improve, continue to compare quotes from multiple companies to enjoy cheaper coverage rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|