- The average cost of car insurance in Rhode Island is $2,878 a year or $240 per month, based on our data analysis.
- Minimum liability coverage in Rhode Island costs around $1,054 annually for limits of 25/50/25, while liability-only coverage costs $1,300 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Rhode Island, costing $2,124 per year.
- In Rhode Island, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 51%, a DUI raising rates by 118%, and an at-fault accident by up to 40%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Travelers offers the most affordable car insurance at $2,124 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Rhode Island. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Rhode Island and how much you need.
How much is car insurance in Rhode Island?
According to CarInsurance.com data, drivers in Rhode Island pay about $240 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Rhode Island based on driver profile:
- Teen drivers in Rhode Island pay the most — about $910 a month or $10,921 a year.
- Young drivers in their 20s pay an average of $446 monthly or $5,358 annually, for car insurance.
- Senior drivers pay around $249 monthly or $2,990 a year.
- A speeding ticket can increase your rates to $362 monthly or $4,340 annually.
- An at-fault accident increases car insurance rates to $335 a month or $4,025 a year.
- Poor credit drivers usually see their car insurance costs increase to $488 monthly or $5,858 annually.
Average cost of auto insurance in Rhode Island by coverage level
Car insurance costs in Rhode Island can differ based on the coverage limit. To legally drive, Rhode Island residents must adhere to the minimum liability limits of 25/50/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Rhode Island car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $88 | $1,054 |
| Liability Only – 50/100/50 BI/PD | $108 | $1,300 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $240 | $2,878 |
State minimum car insurance in Rhode Island
In Rhode Island, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Rhode Island costs $1,054 a year but doesn’t provide much protection for drivers. Rhode Island drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Rhode Island must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Rhode Island
According to CarInsurance.com data, liability-only car insurance costs $1,300 in Rhode Island for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Rhode Island
In Rhode Island, you can expect to pay around $2,878 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Rhode Island
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Rhode Island have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Rhode Island
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Rhode Island by car model
Rhode Island car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Rhode Island.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Rhode Island
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Rhode Island, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $2,804 annually.
Rhode Island drivers aged 16-19 pay $8,117 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $10,921 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $5,041 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,804 per year in Rhode Island.
- For senior drivers: Drivers age 65 and older can expect to pay $2,990 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Rhode Island
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Rhode Island, a DUI conviction lead to increased rates and you may see a rate hike of up to 118% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Rhode Island, be prepared for your car insurance rates to rise by up to 51% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 51% increase
- DUI conviction: 118% increase
- At-fault accident (bodily injury and property damage): 40% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Rhode Island for high-risk drivers
In Rhode Island, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Rhode Island
In Rhode Island, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Rhode Island by getting quotes from different insurance companies.
Below are the details of Rhode Island car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $867 | $1,165 | $2,124 |
| State Farm | $737 | $898 | $2,288 |
| Progressive | $907 | $1,174 | $2,523 |
| American Family | $977 | $1,243 | $2,904 |
| GEICO | $952 | $1,294 | $2,906 |
| Nationwide | $1,755 | $1,943 | $3,073 |
| Amica | $873 | $1,148 | $3,132 |
| Allstate | $1,163 | $1,524 | $3,195 |
| Farmers | $1,286 | $1,316 | $3,864 |
Car insurance rates by city in Rhode Island
Providence is Rhode Island’s most expensive city for car insurance at an average cost of $3,668 annually. Newport is the state’s least expensive city, with an average car insurance rate of $2,328 annually.
Car insurance costs differ from city to city in Rhode Island, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Rhode Island’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Rhode Island per month?
In Rhode Island, a full coverage car insurance policy with 100/300/100 limits typically costs about $240 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $88 |
| Liability Only – 50/100/50 BI/PD | $108 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $240 |
Final thoughts on choosing car insurance in Rhode Island
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Rhode Island. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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