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Rhode Island Car Insurance Rates

On average, state car insurance rates in Providence are twice as much as those in Rhode Island's East Bay and other cities. But every ZIP code has a high-cost insurance carrier and a low-cost insurance carrier. We've got the potential savings mapped out below for every city and town in Rhode Island.

Rhode Island car insurance requirements

Rhode Island state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $25,000

Rhode Island Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Rhode Island
  • 02909: $2,331
  • 02903: $2,175
  • 02908: $2,167
  • 02907: $2,167
Cheapest Neighborhoods
In Rhode Island
  • 02842: $1,139
  • 02835: $1,147
  • 02841: $1,158
  • 02840: $1,158

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What you need to know about car insurance in Rhode Island

Penny Gusner
Consumer Analyst

The cheapest insurance policy you can buy in Rhode Island will pay up to $25,000 to anyone you injure and up to $25,000 to repair or replace whatever you hit. Any damage above those amounts will have to come out of your own pockets. We recommend those with a home, a business or much in savings increase those liability limits when possible.

Rhode Island requires that insurance companies offer you uninsured and underinsured motorist bodily injury coverage, plus uninsured motorist property damage, but you may decline.

A mandatory option: If you choose to buy liability coverage that is higher than the state minimum of 25/50/25 -- a good idea, we think -- you no longer have the option of declining uninsured/underinsured motorist bodily injury coverage.

Insurance needed for registration: Rhode Island requires the name of your insurance company and your policy number to register a car or renew its registration.

When no one will insure you: The Rhode Island Automobile Insurance Plan is the state's high-risk pool for problem drivers. Any licensed agent can sign you up, and you will pay exorbitant rates to the insurer that draws your name. But after three years with a clean record, that insurer must offer you a standard -- and much cheaper -- policy.

Double accident reporting: You will need more than a police report for a serious accident in Rhode Island. You must file a separate report with the state DMV for any crash with damage of more than $1,000.