- The average cost of car insurance in Rhode Island is $2,061 a year or $172 per month, based on our data analysis.
- Minimum liability coverage in Rhode Island costs around $646 annually for limits of 25/50/25, while liability-only coverage costs $808 per year for limits of 50/100/50.
- State Farm provides the most affordable annual rates for full coverage car insurance in Rhode Island, costing $1,319 per year.
- In Rhode Island, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 34%, a DUI raising rates by 71%, and an at-fault accident by up to 14%.
The cost of car insurance in Rhode Island varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. State Farm offers the cheapest rates at $1,319 a year for full coverage.
This comprehensive guide to buying car insurance for Rhode Island drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how car insurance works in Rhode Island and how much you need.
How much is car insurance in Rhode Island?
In Rhode Island, drivers pay an average of $172 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Rhode Island based on driver profile:
- Teen drivers in Rhode Island pay the most — about $594 a month or $7,124 a year.
- Young drivers in their 20s pay an average of $282 monthly or $3,387 annually, for car insurance.
- Senior drivers pay around $180 monthly or $2,163 a year.
- A speeding ticket can increase your rates to $251 monthly or $3,016 annually.
- An at-fault accident increases car insurance rates to $230 a month or $2,762 a year.
- Poor credit drivers usually see their car insurance costs increase to $348 monthly or $4,174 annually.
Average cost of auto insurance in Rhode Island by coverage level
In Rhode Island, the cost of car insurance can vary depending on how much coverage you purchase. Rhode Island drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Rhode Island. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Rhode Island for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $54 | $646 |
| Liability Only – 50/100/50 BI/PD | $67 | $808 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 | $2,061 |
State minimum car insurance in Rhode Island
In Rhode Island, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
In Rhode Island, you can get state minimum car insurance for $646 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Rhode Island must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Rhode Island
The average cost of liability-only insurance in Rhode Island is $808 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Rhode Island
The average annual premium in Rhode Island is $2,061 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Rhode Island
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, residents in higher-risk neighborhoods in Rhode Island pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Rhode Island
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
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Estimate car insurance in Rhode Island by car model
In Rhode Island, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Rhode Island.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Rhode Island
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Rhode Island drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,015 annually.
Drivers aged 16-19 pay $5,109 more for car insurance than Rhode Island drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,124 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,220 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,015 annually in Rhode Island.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,163 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Rhode Island
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Rhode Island can increase your premiums by up to 71% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Rhode Island, you’ll likely see an increase in your car insurance premium by up to 34% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 34% increase
- DUI conviction: 71% increase
- At-fault accident (bodily injury and property damage): 14% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Rhode Island for high-risk drivers
High-risk drivers in Rhode Island pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Rhode Island
In Rhode Island, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Rhode Island by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Rhode Island and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| State Farm | $366 | $455 | $1,319 |
| American Family | $527 | $666 | $1,833 |
| Progressive | $777 | $955 | $1,841 |
| Nationwide | $882 | $1,079 | $1,911 |
| Travelers | $559 | $831 | $1,946 |
| Amica Mutual | $535 | $710 | $2,206 |
| GEICO | $646 | $825 | $2,292 |
| Allstate | $975 | $1,203 | $2,993 |
| Farmers | $916 | $975 | $3,336 |
| USAA | $352 | $421 | $1,147 |
Car insurance rates by city in Rhode Island
Johnston is the priciest city in Rhode Island for car insurance, costing an average of $2,644 annually. On the other hand, Newport East is the most affordable city, where drivers pay an average of $1,585 per year for car insurance.
Car insurance premiums differ across cities in Rhode Island and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Rhode Island’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Rhode Island per month?
In Rhode Island, a full coverage car insurance policy with 100/300/100 limits typically costs about $172 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $54 |
| Liability Only – 50/100/50 BI/PD | $67 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 |
Final thoughts on choosing car insurance in Rhode Island
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Rhode Island. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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