You can find the cheapest full-coverage car insurance in Rhode Island for $110 a month from State Farm. It saves you $62 compared to the state average car insurance cost of $172 monthly.
Shopping for car insurance in Rhode Island can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Rhode Island should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, State Farm stands out as the cheapest option for full coverage car insurance in Rhode Island, with an insurance premium of $110 per month.
- Drivers in Rhode Island with a clean record pay 41% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Rhode Island is Newport East, with an annual premium of $1,585 .
- Rhode Island drivers can save up to 36% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in Rhode Island?
Based on data analysis by CarInsurance.com, State Farm provides the cheapest full coverage auto insurance rates for Rhode Island drivers at a monthly rate of $110 or $1,319 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Rhode Island.
Cheapest car insurance rates in Rhode Island per month
| Company | Full Coverage Monthly Rates |
|---|---|
| State Farm | $110 |
| American Family | $153 |
| Progressive | $153 |
| Nationwide | $159 |
| Travelers | $162 |
| Amica Mutual | $184 |
| Geico | $191 |
| Allstate | $249 |
| Farmers | $278 |
| USAA* | $96 |
Note: USAA is only available to military community members and their families.
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Rhode Island drivers who pay lower insurance premiums
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 5% less than single drivers.
- Rhode Island drivers with clean records pay 41% less than drivers who have a DUI on their records.
- Rhode Island drivers in their 20s pay 61% lower rates for insurance than a 16-year-old in Rhode Island.
- Adding a teen to your policy will cost you 74% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 29% less on their insurance premiums.
- Drivers insured for three or more years can save up to 18% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest companies for different coverage levels in Rhode Island
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- State Farm is the cheapest for a state minimum policy.
- State Farm has the cheapest rates for a liability-only policy (50/100/50).
- State Farm offers the cheapest car insurance for a full coverage policy (100/300/100) in Rhode Island.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Rhode Island
In Rhode Island, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Rhode Island, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| State Farm | $366 |
| American Family | $527 |
| Amica Mutual | $535 |
| Travelers | $559 |
| Geico | $646 |
| Progressive | $777 |
| Nationwide | $882 |
| Farmers | $916 |
| Allstate | $975 |
| USAA* | $352 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Rhode Island
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Rhode Island, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| State Farm | $455 |
| American Family | $666 |
| Amica Mutual | $710 |
| Geico | $825 |
| Travelers | $831 |
| Progressive | $955 |
| Farmers | $975 |
| Nationwide | $1,079 |
| Allstate | $1,203 |
| USAA* | $421 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Rhode Island
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Rhode Island, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| State Farm | $1,319 |
| American Family | $1,833 |
| Progressive | $1,841 |
| Nationwide | $1,911 |
| Travelers | $1,946 |
| Amica Mutual | $2,206 |
| Geico | $2,292 |
| Allstate | $2,993 |
| Farmers | $3,336 |
| USAA* | $1,147 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Rhode Island by driving history
Your driving history impacts insurance premiums in Rhode Island, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Rhode Island, drivers with a history of traffic violation pay an average of $554 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates in Rhode Island after a speeding ticket
If you have a speeding ticket on your Rhode Island driving record and you are looking for cheap car insurance, Travelers offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $2,093 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Travelers | $1,617 | $2,093 | 29% | $476 |
| Nationwide | $1,910 | $2,702 | 41% | $792 |
| Geico | $1,656 | $2,760 | 67% | $1,105 |
| Progressive | $1,992 | $2,816 | 41% | $824 |
| American Family | $1,930 | $2,834 | 47% | $904 |
| Allstate | $2,973 | $3,659 | 23% | $686 |
| USAA* | $1,104 | $1,256 | 14% | $151 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Rhode Island after a DUI conviction
Rhode Island drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,157 a year, followed by Travelers with an annual premium of $2,172 annually, based on recent data.
If you have a clean record, you are likely to pay 41% less for car insurance than someone with a DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| Travelers | $1,617 | $2,172 | 34% | $556 |
| Progressive | $1,992 | $2,529 | 27% | $537 |
| American Family | $1,930 | $2,972 | 54% | $1,042 |
| Nationwide | $1,910 | $3,575 | 87% | $1,664 |
| Allstate | $2,973 | $4,430 | 49% | $1,458 |
| Geico | $1,656 | $5,631 | 240% | $3,976 |
| USAA* | $1,104 | $2,018 | 83% | $914 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Rhode Island after an at-fault accident
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,295 .
Travelers is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,812 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,157 | $1,295 | 12% | $139 |
| Travelers | $1,617 | $1,812 | 12% | $195 |
| Geico | $1,656 | $2,032 | 23% | $376 |
| Progressive | $1,992 | $2,088 | 5% | $96 |
| Nationwide | $1,910 | $2,218 | 16% | $308 |
| American Family | $1,930 | $2,260 | 17% | $330 |
| Allstate | $2,973 | $3,543 | 19% | $571 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Rhode Island cities with the lowest auto insurance rates
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
In Rhode Island, Newport East stands out as the city with the lowest auto insurance rates, at an average of $1,585 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
The table below shows a list of cities in Rhode Island with the most affordable car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Newport East | $1,585 |
| Jamestown | $1,638 |
| Newport | $1,655 |
| Portsmouth | $1,665 |
| Westerly | $1,665 |
| Little Compton | $1,673 |
| Prudence Island | $1,720 |
| Ashaway | $1,748 |
| Block Island | $1,752 |
| Bradford | $1,759 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on auto insurance in Rhode Island?
If you compare car insurance quotes, you could enjoy an annual saving of around 36% on a full coverage policy in Rhode Island.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Rhode Island: Save on premiums
In Rhode Island, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Rhode Island below.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $16 |
| Anti-theft device | 1% | $30 |
| Daily commute | 6% | $169 |
| Days advanced purchase | 8% | $253 |
| Days per week driven | 4% | $101 |
| Education | 11% | $279 |
| Electronic funds transfer | 5% | $138 |
| Electronic signature | 10% | $211 |
| Homeowner | 3% | $84 |
| Lower annual mileage | 7% | $168 |
| Loyalty – years renewal with company | 2% | $72 |
| Marital status | 5% | $118 |
| Multi policy | 8% | $205 |
| Paperless/electornic documents | 4% | $110 |
| Payment type | 10% | $306 |
| Primary use | 11% | $287 |
| Profession | 18% | $406 |
| Purchase status | 8% | $237 |
| Safety devices | 3% | $94 |
| Telematics | 9% | $190 |
| Vehicle ownership | 8% | $229 |
| Years insured | 17% | $755 |
| Years licensed | 25% | $1,712 |
The bottom line on cheap auto insurance in Rhode Island
Our research shows that State Farm has the cheapest full coverage car insurance rates in Rhode Island for individuals with a good driving record.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Rhode Island is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Rhode Island for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Rhode Island