- State Farm has the cheapest car insurance rates in Rhode Island for full coverage at $110 a month among the companies analyzed by the team of CarInsurance.com.
- In Rhode Island, drivers with clean driving records pay 41% less than drivers with a DUI.
- The city of Newport East has the lowest auto insurance rates in Rhode Island, with an average premium of $1,585 per year.
- You can save up to 36% per year on your car insurance policy in Rhode Island by comparing price quotes from multiple insurers.
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.
Car insurance companies with cheap car insurance in Rhode Island
State Farm has the cheapest full coverage car insurance in Rhode Island, at an average premium of $110 per month or around $1,319 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Rhode Island. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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.
Rhode Island drivers who pay lower insurance premiums
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 companies for different coverage levels in Rhode Island
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.
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
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 liability-only coverage in Rhode Island
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Rhode Island, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 in Rhode Island after a speeding ticket
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.
Cheapest car insurance in Rhode Island after a DUI conviction
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.
Drivers with clean driving records can expect to pay an average of 41% less than those with a history of 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 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.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased 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
Which cities in Rhode Island have 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.
The city with the lowest auto insurance rates in Rhode Island is Newport East, at $1,585 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Rhode Island with the lowest auto 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 |
A detailed guide on the 10 most important 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 savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
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
Based on our findings, State Farm provides the cheapest rates for a full coverage policy in Rhode Island if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Rhode Island, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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