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 includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Rhode Island by different insurance carriers for a full coverage policy.
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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Who pays a lower insurance premium in Rhode Island?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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 record.
- 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 Rhode Island companies for different coverage levels
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
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.
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 car insurance companies in Rhode Island for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or 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 lists major insurance providers in Rhode Island based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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 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.
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 after a speeding ticket in Rhode Island
A speeding ticket can impact your Rhode Island car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Travelers has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $2,093 a 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.
Cheap car insurance rates after a DUI conviction in Rhode Island
State Farm offers the cheapest car insurance to Rhode Island drivers with a DUI conviction at $1,157 per year and Travelers has the second-cheapest insurance premiums at $2,172 a year, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 41% less than drivers with a DUI on their record.
| 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
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,295 annually.
Travelers is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,812 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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 Cities with the lowest auto insurance rates in Rhode Island
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.
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.
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
How much can you save on car insurance in Rhode Island?
By comparing car insurance quotes, you can save an average of 36% per year for 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
Car insurance discounts in Rhode Island can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Rhode Island.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
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
Managing 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