- The average cost of car insurance in Rhode Island is $2,061 a year or $172 per month, based on our data analysis.
- Minimum liability coverage in Rhode Island costs around $646 annually for limits of 25/50/25, while liability-only coverage costs $808 per year for limits of 50/100/50.
- State Farm provides the most affordable annual rates for full coverage car insurance in Rhode Island, costing $1,319 per year.
- In Rhode Island, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 34%, a DUI raising rates by 71%, and an at-fault accident by up to 14%.
Car insurance costs in Rhode Island vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. State Farm offers the cheapest annual rates for full coverage car insurance in Rhode Island at $1,319 annually.
This comprehensive guide to buying car insurance for Rhode Island drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Rhode Island works and how much insurance you need.
How much is car insurance in Rhode Island?
According to CarInsurance.com data, drivers in Rhode Island pay about $172 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 $594 a month or $7,124 a year.
- Young drivers in their 20s pay an average of $282 monthly or $3,387 annually, for car insurance.
- Senior drivers pay around $180 monthly or $2,163 a year.
- A speeding ticket can increase your rates to $251 monthly or $3,016 annually.
- An at-fault accident increases car insurance rates to $230 a month or $2,762 a year.
- Poor credit drivers usually see their car insurance costs increase to $348 monthly or $4,174 annually.
Average cost of auto insurance in Rhode Island by coverage level
In Rhode Island, the cost of car insurance can vary depending on how much coverage you purchase. Rhode Island drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Rhode Island. However, they don’t offer much protection.
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.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Rhode Island for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $54 | $646 |
| Liability Only – 50/100/50 BI/PD | $67 | $808 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 | $2,061 |
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 $646 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
The average cost of liability-only insurance in Rhode Island is $808 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Rhode Island
In Rhode Island, you can expect to pay around $2,061 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 costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Rhode Island pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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)
Speak with a friendly agent and get your quote in minutes!
Calculate the cost of car insurance in Rhode Island
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Rhode Island pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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)
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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Rhode Island drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,015 annually.
Car insurance for drivers aged 16-19 costs $5,109 more annually than Rhode Island drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,124 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,220 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,015 per year in Rhode Island.
- For senior drivers: Drivers age 65 and older can expect to pay $2,163 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Rhode Island can increase your premiums by up to 71% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Rhode Island, you’ll likely see an increase in your car insurance premium by up to 34% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Rhode Island after driving incidents:
- Speeding ticket: Up to 34% increase
- DUI conviction: 71% increase
- At-fault accident (bodily injury and property damage): 14% increase
But even with a traffic ticket, comparison shopping can save you money.
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 |
|---|---|---|---|
| State Farm | $366 | $455 | $1,319 |
| American Family | $527 | $666 | $1,833 |
| Progressive | $777 | $955 | $1,841 |
| Nationwide | $882 | $1,079 | $1,911 |
| Travelers | $559 | $831 | $1,946 |
| Amica Mutual | $535 | $710 | $2,206 |
| GEICO | $646 | $825 | $2,292 |
| Allstate | $975 | $1,203 | $2,993 |
| Farmers | $916 | $975 | $3,336 |
| USAA | $352 | $421 | $1,147 |
Car insurance rates by city in Rhode Island
Johnston is the priciest city in Rhode Island for car insurance, costing an average of $2,644 annually. On the other hand, Newport East is the most affordable city, where drivers pay an average of $1,585 per year for car insurance.
Car insurance premiums differ across cities in Rhode Island and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Rhode Island’s largest 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 $172 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 | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $54 |
| Liability Only – 50/100/50 BI/PD | $67 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 |
Final thoughts on choosing car insurance in Rhode Island
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Rhode Island.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
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.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
