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 state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
Rhode Island Car Insurance Rates by ZIP Code & City
Invalid ZIP code or data not available
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2014 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
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 liability insurance 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.
Uninsured motorist penalties for Rhode Island: You may be fined $100 to $500, your license and registration may be suspended and you may be required to file an SR-22 form.
When no one will insure you: The Rhode Island Automobile Insurance Plan is the state's solution for high-risk 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 car accident in Rhode Island. You must file a separate report with the state DMV for any crash with damage of more than $1,000.
Largest car insurance companies for Rhode Island by market share
Company / Group
Direct Premiums Written ($)
Market Share (%)
Progressive Insurance Group
Allstate Insurance Group
Amica Mutual Group
Berkshire Hathaway Insurance
MetLife Personal Lines Group
Liberty Mutual Insurance Companies
MAPFRE North America Group
Source: A.M. Best market share rankings are based on direct premiums written in 2013.