The type of vehicle you own in Rhode Island can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Rhode Island for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Rhode Island
The Subaru Forester and Honda CR-V are the cheapest vehicles to insure in Rhode Island, closely followed by the Honda HR-V and Chrysler Voyager, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Rhode Island and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Subaru Forester | $1,118 |
| Honda CR-V | $1,126 |
| Honda HR-V | $1,126 |
| Chrysler Voyager | $1,130 |
| Volkswagen Tiguan | $1,143 |
| Subaru Outback | $1,144 |
| Mazda CX-5 | $1,156 |
| Subaru Crosstrek | $1,174 |
| Mini Cooper Countryman JCW | $1,177 |
| Subaru Impreza | $1,178 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Rhode Island
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Rhode Island
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,226. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Volkswagen Jetta ranks second on our list with an insurance cost of $1,307, followed by Honda Civic Sedan, which costs $1,315 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Rhode Island and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,226 |
| Volkswagen Jetta | $1,307 |
| Honda Civic Sedan | $1,315 |
| Nissan Versa | $1,321 |
| Honda Accord | $1,367 |
| Kia Forte | $1,375 |
| Volkswagen Jetta GLI | $1,390 |
| Nissan Sentra | $1,411 |
| Toyota Camry | $1,424 |
| Chevrolet Malibu | $1,428 |
| Hyundai Elantra | $1,455 |
| Toyota Corolla | $1,475 |
| Mazda 3 Sedan | $1,475 |
| Nissan Altima | $1,482 |
| Mitsubishi Mirage G4 | $1,529 |
| Hyundai Sonata | $1,574 |
| Kia K5 | $1,603 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Rhode Island
The Subaru Forester and Honda CR-V have the lowest car insurance rates, at $1,118 and $1,126, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Subaru Forester | $1,118 |
| Honda CR-V | $1,126 |
| Honda HR-V | $1,126 |
| Volkswagen Tiguan | $1,143 |
| Mazda CX-5 | $1,156 |
| Subaru Crosstrek | $1,174 |
| Honda Pilot | $1,186 |
| Chevrolet TrailBlazer | $1,189 |
| Ford Escape | $1,197 |
| Toyota Corolla Cross | $1,202 |
| Volkswagen Taos | $1,214 |
| Buick Encore GX | $1,214 |
| Hyundai Tucson | $1,217 |
| Mazda CX-30 | $1,220 |
| Chevrolet Equinox | $1,223 |
| Toyota RAV4 | $1,224 |
| Kia Seltos | $1,228 |
| Hyundai Kona | $1,231 |
| Kia Sportage | $1,234 |
| Subaru Ascent | $1,242 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Rhode Island
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,236.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,236 |
| Honda Civic Si | $1,443 |
| Chevrolet Camaro | $1,607 |
| Subaru WRX | $1,658 |
| Honda Civic Type R | $1,667 |
| Toyota GR86 | $1,740 |
| Ford Mustang | $1,742 |
| Subaru BRZ | $1,765 |
| Toyota GR Supra | $1,860 |
| Porsche 718 Boxster | $1,897 |
| BMW Z4 | $1,898 |
| Toyota GR Corolla | $1,930 |
| Chevrolet Corvette | $1,971 |
| Porsche 718 Cayman | $2,132 |
| Chevrolet Camaro ZL1 | $2,163 |
| Jaguar F-Type | $2,453 |
| Chevrolet Corvette Z06 | $2,472 |
| Nissan Z | $2,832 |
| Porsche 911 | $2,860 |
| Porsche 911 GT3 | $2,951 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Rhode Island
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $1,304 for a full coverage six-month policy. It is followed by the Mercedes-Benz GLA-Class ($1,388) and Cadillac XT5 ($1,403).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,304 |
| Mercedes-Benz GLA-Class | $1,388 |
| Cadillac XT5 | $1,403 |
| Acura MDX | $1,407 |
| Cadillac XT4 | $1,423 |
| Audi Q3 | $1,425 |
| Lincoln Corsair | $1,457 |
| Volvo XC40 | $1,470 |
| BMW X3 | $1,490 |
| Jaguar E-Pace | $1,508 |
| Mercedes-Benz GLB-Class | $1,513 |
| BMW X1 | $1,516 |
| Land Rover Discovery Sport | $1,521 |
| Lexus RX | $1,523 |
| Infiniti QX50 | $1,532 |
| Cadillac XT6 | $1,537 |
| BMW X2 | $1,539 |
| Lincoln Aviator | $1,542 |
| Mercedes-Benz GLC-Class | $1,566 |
| Audi Q5 | $1,581 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Rhode Island
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $3,905 annually, or $325 monthly.
The table below lists the most affordable EVs to insure in Rhode Island and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,279 |
| Hyundai Kona Electric | $1,375 |
| Kia Niro EV | $1,396 |
| Volkswagen ID.4 | $1,420 |
| Subaru Solterra | $1,422 |
| Chevrolet Silverado EV | $1,491 |
| Nissan Leaf | $1,494 |
| Chevrolet Blazer EV | $1,524 |
| Jaguar I-Pace | $1,580 |
| Toyota bZ4X | $1,609 |
| Hyundai Ioniq 5 | $1,609 |
| Ford Mustang Mach-E | $1,654 |
| Audi Q4 e-tron | $1,665 |
| Genesis Electrified GV70 | $1,684 |
| Volvo XC40 Recharge | $1,734 |
| Mercedes-Benz EQB | $1,743 |
| Hyundai Ioniq 6 | $1,756 |
| Toyota Mirai | $1,766 |
| Kia EV6 | $1,785 |
| Cadillac LYRIQ | $1,794 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Rhode Island
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Chrysler Voyager is $3,876, while insuring a Honda HR-V costs $3,899 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Rhode Island?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,279 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,375 for the Hyundai Kona Electric for the same coverage.
Which SUVs are the cheapest to insure in Rhode Island?
In Rhode Island, insuring a Subaru Forester SUV costs about $1,118 for six months, making it one of the most affordable options. The Honda CR-V and Honda HR-V also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Rhode Island?
The Chrysler Voyager, Honda HR-V, Subaru Forester and Honda CR-V are some of the cheapest cars to insure for 18-year-olds in Rhode Island. However, insuring models such as the Maserati Quattroporte, Mercedes-AMG EQS and BMW i7 can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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