Drivers typically see an increase in car insurance rates starting at age 65, according to CarInsurance.com data. The Centers for Disease Control and Prevention reports that older drivers have higher fatal crash rates than those aged 35 to 54.
Even though rates may rise, seniors can still find good car insurance deals. Our guide will help find the most affordable rates for senior drivers in Rhode Island and suggest other ways to save on your auto insurance premiums.
- A 65-year-old driver in Rhode Island pays an average of $2,086 annually for full coverage car insurance.
- In Rhode Island, a 70-year-old driver’s car insurance rates are 2% more for full coverage than for a 65-year-old driver.
- Compared to a 65-year-old driver, a 75-year-old driver in Rhode Island pays 8% more a full-coverage car insurance.
- To get the best car insurance rates in Rhode Island, shop for quotes every six months or when your policy is up for renewal.
Cheapest car insurance companies for seniors in Rhode Island
Find the cheapest full coverage car insurance rates in Rhode Island for drivers of different ages below.
- Cheapest for seniors, overall: State Farm, $111 per month.
- Cheapest for seniors at age 65: State Farm, $111 per month.
- Cheapest for seniors at age 70: State Farm, $111 per month.
- Cheapest for seniors at age 75: State Farm, $111 per month.
Compare cheap car insurance quotes for senior drivers in Rhode Island
State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.
Liability car insurance with limits of 50/100/50 means:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury per accident
- $50,000 per accident for property damage
A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.
Full coverage insurance with limits of 100/300/100 includes higher liability limits:
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury to multiple people
- $100,000 per accident for property damage
Full coverage also typically includes:
- Collision coverage: Pays for damages to your car from a collision.
- Comprehensive coverage: Covers damages to your car from non-collision events (e.g., theft, fire, vandalism).
Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.
Below, find the cheapest car insurance rates in Rhode Island from major insurers for three coverage levels: state minimum, liability-only with limits of 50/100/50 and full coverage with 100/300/100 limits.
Select your age and type of coverage below to see the average annual and monthly rates.
| Company Name | Avg. Annual Premium | Avg. Monthly Premium |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Why do car insurance rates increase for senior drivers in Rhode Island?
Car insurance tends to become more expensive for older drivers due to several factors. Statistics show that seniors, on average, tend to be involved in more accidents than younger drivers (excluding teens).
Although older drivers typically have many years of experience on the road, they often face age-related challenges such as hearing or vision loss, slower reflexes, medication side effects and other health issues that can complicate driving.
According to the CDC, drivers aged over 70 have higher crash death rates per 1,000 crashes compared to those aged 35-54. NHTSA data also shows that in 2020, senior drivers 65 and older were involved in 13% of fatal accidents, marking a 26% increase since 2011.
In addition, seniors are more likely to require medical care, even after a less severe accident, and expensive hospital bills will increase the insurance cost.
“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.
“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.
All of this leads to higher car insurance rates. Car insurance premiums go up for most senior drivers in their mid-60s, according to CarInsurance.com data analysis, and then continue to climb. The average car insurance cost for a 65-year-old driver in Rhode Island is $2,086 for a full coverage policy. Drivers age 70 pay $2,131 for the same coverage.
In Rhode Island, 70-year-old drivers pay 2% more for full coverage than 65-year-olds and 75-year-olds pay 8% more for a full coverage policy, based on CarInsurance.com data.
Find below the annual average rate increases for senior drivers in Rhode Island by age and different coverage limits.
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $676 | $859 | $2,086 |
| 70 | $692 | $875 | $2,131 |
| 75 | $748 | $929 | $2,270 |
Coverage types:
- Full coverage: 100/300/100 liability with $500 comp/coll deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage only
Find out how much insurance costs for seniors
Cheapest car insurance for seniors with tickets in Rhode Island
A speeding ticket or other moving violation will increase your insurance rates regardless of age. Insurers rely on statistics, which indicate that drivers with a ticket are more likely to be involved in an accident that could lead to a claim.
The rate increase will vary by insurance company, but Rhode Island drivers can expect a 43% rise in their premiums after receiving a speeding ticket for going 1-29 mph over the limit.
Seniors with a speeding ticket or minor moving violation should expect to pay more for coverage. According to our analysis, the best insurance companies for seniors with tickets are mentioned below.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| Nationwide | $2,651 | $221 |
| Progressive | $2,744 | $229 |
| American Family | $3,100 | $258 |
| Travelers | $3,415 | $285 |
| Allstate | $3,583 | $299 |
| Geico | $3,848 | $321 |
| Amica | $3,877 | $323 |
| Farmers | $4,399 | $367 |
| USAA* | $1,386 | $116 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in Rhode Island
A DUI is a serious offense and your insurance rates will skyrocket once it appears on your driving record. Typically, your insurance premium will double after a DUI. According to our data, in some states, the increase can be as high as 106% after your first DUI. If you get a second DUI, the insurance rates could increase by 193%.
After a DUI, finding affordable or any coverage can be difficult, but based on our data, these insurers are the best options for seniors with a DUI in Rhode Island:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| Progressive | $2,481 | $207 |
| American Family | $3,233 | $269 |
| Nationwide | $3,564 | $297 |
| Travelers | $3,877 | $323 |
| Allstate | $4,323 | $360 |
| Farmers | $5,549 | $462 |
| Geico | $7,839 | $653 |
| Amica | $9,109 | $759 |
| USAA* | $2,255 | $188 |
Cheapest car insurance for seniors after an accident in Rhode Island
Much like a ticket or DUI, having an accident on your driving record will raise your insurance rates. While the increase varies by insurer, our data show that drivers can expect their premium to jump by 16% after one at-fault accident with property damage exceeding $2,000.
The increase will generally be in effect for three to five years, so it’s essential to seek the most affordable insurance provider. Below, these insurers offer the cheapest car insurance rates for seniors after an accident in Rhode Island.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| State Farm | $1,464 | $122 |
| Progressive | $2,087 | $174 |
| Nationwide | $2,136 | $178 |
| Travelers | $2,392 | $199 |
| American Family | $2,612 | $218 |
| Amica | $2,797 | $233 |
| Geico | $2,813 | $234 |
| Allstate | $3,468 | $289 |
| Farmers | $3,597 | $300 |
How can seniors save on car insurance in Rhode Island?
Auto insurance for seniors can be expensive, but there are ways to save. The following are easy ways to reduce your premiums:
- Shop around: Shopping regularly for car insurance – every six months or yearly around renewal time – can ensure you have the best price.
- Raise your deductible: Increasing your deductible from $500 to $1,000 can save you a bit of money every month – but make sure you have the necessary funds to cover the higher deductible.
- Ask about discounts: Discounts – bundling with homeowners insurance, loyalty discounts and discounts for years of being licensed – are a great way to save on your car insurance. More on discounts below.
Editor’s Tip:Take a senior driving course: With an approved defensive driving course, seniors can save up to 5% on their car insurance in Rhode Island. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Rhode Island.
Car insurance discounts for senior drivers in Rhode Island
Here are some car insurance discounts to help seniors reduce their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 1% |
| Anti-theft device | 1% |
| Daily commute | 6% |
| Days advanced purchase | 8% |
| Days per week driven | 4% |
| Defensive driver | 5% |
| Education | 11% |
| Electronic funds transfer | 5% |
| Electronic signature | 10% |
| Homeowner | 2% |
| Lower annual mileage | 6% |
| Loyalty – years renewal with company | 20% |
| Marital status | 5% |
| Multi policy | 14% |
| Paperless/electronic documents | 4% |
| Payment type | 10% |
| Primary use | 13% |
| Profession | 18% |
| Purchase status | 63% |
| Safety devices | 4% |
| Telematics | 9% |
| Vehicle ownership | 37% |
| Years insured | 17% |
| Years licensed | 25% |
Choosing the cheapest and best car insurance for seniors in Rhode Island
Senior drivers, except teen drivers, shell out higher premiums than younger adult drivers. If you are looking for an affordable policy, carefully evaluate your needs and decide the amount of coverage to purchase. While shopping for insurance, consider the price, customer service and the discounts they offer.
Find the best auto insurance companies online to see which carrier provides affordable rates and easy-to-use websites or apps.
FAQ: Cheap car insurance for seniors in Rhode Island
Who has the cheapest state minimum auto insurance for seniors in Rhode Island?
Our data show that State Farm provides the cheapest state minimum auto insurance for seniors in Rhode Island, at around $378 per year. Amica and Geico also rank highly for affordable state minimum coverage for seniors in Rhode Island.
Which companies offer the cheapest liability car insurance for seniors in Rhode Island?
State Farm offers the cheapest liability car insurance for senior drivers in Rhode Island, with an average annual premium of $470. According to a CarInsurance.com data analysis, Amica and American Family also provide cheap liability insurance for seniors in Rhode Island.
Does State Farm offer a senior discount in Rhode Island?
State Farm does not offer a senior discount in Rhode Island, but it provides many discounts that seniors can use to lower their premiums. It includes discounts for defensive driving courses, safe driving, long-term customer loyalty, bundling policies and advanced safety feature discounts.
Bottom line
A CarInsurance.com analysis found that State Farm provides the cheapest full-coverage car insurance quotes for senior drivers in Rhode Island.
Shopping around and comparing online rates from different insurers can help seniors find the best car insurance deals. Additionally, senior drivers might qualify for discounts by taking defensive driving courses or bundling their car insurance with another policy.
Check out how to shop for car insurance for seniors
Resources & Methodology
Additional Resources
There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:
- American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
- AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
- National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
- Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
- Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.
Sources:
- Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed March 2025.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed March 2025.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed March 2025.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed March 2025.
Methodology
CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.
To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.
Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied
- One at-fault property damage accident over $2K
- One at-fault property damage accident under $2K
- At-fault bodily injury accidents
- DUI/DWI first offense.
- Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)
These are sample rates and should only be used for comparison purposes.
Note: USAA is only available to military community members and their families.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs