The cheapest full coverage car insurance in Rhode Island is $110, saving you $62 compared to the average cost of insurance in the state, which is around $172 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Rhode Island, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Who pays a lower insurance premium in Rhode Island?
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 insurers 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.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and 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
The following table lists Rhode Island’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 Rhode Island insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Rhode Island’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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 car insurance 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.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Rhode Island from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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
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Cheapest car insurance in Rhode Island, by driving history
Your driving history affects how much you pay for insurance in Rhode Island because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $554 more annually in Rhode Island than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Rhode Island
If you’ve got a speeding ticket on your Rhode Island driving record and need affordable car insurance, Travelers might be the answer. With an average annual rate of $2,093, Travelers offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Rhode Island.
| 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 rates after an at-fault accident in Rhode Island
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.
Check out the most affordable insurance options in your neighboring state
Rhode Island cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Newport East is the city with the lowest premiums in Rhode Island at an annual auto insurance rate of $1,585.
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.
Find below a list of Rhode Island cities with the lowest 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 |
Explore the top 10 factors that influence car insurance rates
Average savings on car 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.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Rhode Island: Save on premiums
Rhode Island drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Rhode Island.
| 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 |
Final thoughts on cheap car 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 understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Rhode Island, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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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