- Average cost of car insurance in Rhode Island
- Best car insurance in Rhode Island: State Farm
- Cheapest car insurance in Rhode Island: Travelers
- Rhode Island car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Rhode Island
- Cheapest car insurance cost in Rhode Island by age
- Cheapest car insurance companies in Rhode Island by driver profile
- Compare auto insurance rates by city in Rhode Island
- Car insurance premium trends in Rhode Island
- Methodology
- Compare Rhode Island car insurance rates with other states
Average cost of car insurance in Rhode Island
The average car insurance cost in Rhode Island is $225 per month for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Rhode Island is $761.
Best car insurance in Rhode Island: State Farm
State Farm is the best car insurance company in Rhode Island, based on our data analysis, with an overall rating of 4.46. Amica came in second.
Below is a full list of the top Rhode Island insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| State Farm | A++ | 664 | 0.79 | $1,319 | 4.46 |
| Amica | A+ | 709 | 0.75 | $2,206 | 4.28 |
| Travelers | A++ | 623 | 0.52 | $1,946 | 4.1 |
| GEICO | A++ | 638 | 0.69 | $2,292 | 3.88 |
| Progressive | A+ | 620 | 0.71 | $1,841 | 3.88 |
| Allstate | A+ | 646 | 1.1 | $2,993 | 3.15 |
| Farmers | A | 600 | 0.86 | $3,336 | 2.79 |
| USAA | A++ | 741 | 1.18 | $1,147 | 4.5 |
Cheapest car insurance in Rhode Island: Travelers
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Rhode Island and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in Rhode Island but is only available to military members, veterans, and their families, with average rates of $1,399 annually or $117 a month for full coverage. Travelers is the cheapest company that is open to all drivers, with an average annual rate of $2,141 for full coverage in Rhode Island.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $567 | $839 | $2,141 |
| State Farm | $632 | $779 | $2,162 |
| Progressive | $684 | $871 | $2,369 |
| Nationwide | $1,286 | $1,482 | $2,866 |
| American Family | $718 | $901 | $2,924 |
| GEICO | $691 | $928 | $2,982 |
| Allstate | $951 | $1,193 | $3,181 |
| Amica | $661 | $864 | $3,293 |
| Farmers | $1,209 | $1,234 | $3,939 |
| USAA | $413 | $500 | $1,399 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Rhode Island
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Peace Dale | $977 | $81 |
| Slocum | $973 | $81 |
| North Kingstown | $956 | $80 |
| Tiverton | $950 | $79 |
| Exeter | $947 | $79 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Pascoag | $1,004 | $84 |
| Bristol | $1,007 | $84 |
| Harrisville | $1,017 | $85 |
| Oakland | $1,027 | $86 |
| Chepachet | $1,030 | $86 |
The Rhode Island Division of Insurance says...
Two factors determine what you pay for auto insurance. The first factor is underwriting; the process where insurance companies assess the risk associated with an applicant. The second factor is rating. Rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for an applicant's potential claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
- The Rhode Island Division of InsuranceRhode Island car insurance requirements
Rhode Island's minimum car insurance coverage limits are 25/50/25. Rhode Island's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $761 annually or $63 monthly.
Minimum liability insurance requirements for Rhode Island:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per accident
Cheapest car insurance companies for minimum liability coverage in Rhode Island
According to Insurance.com, State Farm provides the cheapest state minimum liability insurance, averaging $779 annually or $65 monthly. USAA offers cheaper rates but is available only to military veterans and their families.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Rhode Island.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| State Farm | $779 | $65 |
| Travelers | $839 | $70 |
| Amica | $864 | $72 |
| Progressive | $871 | $73 |
| American Family | $901 | $75 |
| GEICO | $928 | $77 |
| Allstate | $1,193 | $99 |
| Farmers | $1,234 | $103 |
| Nationwide | $1,482 | $123 |
| USAA | $500 | $42 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Rhode Island by age
In Rhode Island, car insurance rates are higher for teen drivers; they are more likely to cause an accident.
State Farm offers the cheapest car insurance for a 16-year-old driver in Rhode Island at $7,075 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Rhode Island, Travelers offers the cheapest full coverage car insurance for a 25-year-old and a 65-year-old driver at $2,418 per year and $2,175 per year, respectively, unless they are eligible for coverage from USAA.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| State Farm | $7,075 | $590 |
| Allstate | $9,702 | $808 |
| Nationwide | $10,538 | $878 |
| GEICO | $10,801 | $900 |
| Progressive | $10,862 | $905 |
| American Family | $12,086 | $1,007 |
| USAA | $15,148 | $1,262 |
| Farmers | $15,680 | $1,307 |
| Amica | $17,690 | $1,474 |
| Travelers | $32,358 | $2,697 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Rhode Island by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for insurance.
The severity and frequency of the incidents also play a role in the insurance rates. For instance, drivers with a single minor accident will see a smaller rate increase than those with multiple major accidents.
Below are average Rhode Island rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| State Farm | $2,162 | $2,795 | $0 |
| Travelers | $2,141 | $2,920 | $3,166 |
| Progressive | $2,369 | $2,480 | $3,260 |
| Allstate | $3,181 | $5,016 | $3,922 |
| Nationwide | $2,866 | $4,336 | $4,127 |
| American Family | $2,924 | $4,901 | $4,302 |
| GEICO | $2,982 | $3,659 | $5,006 |
| Farmers | $3,939 | $5,196 | $5,334 |
| Amica | $3,293 | $5,642 | $6,883 |
| USAA | $1,399 | $0 | $1,594 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Rhode Island
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Rhode Island will impact what you pay. Below, we've gathered Rhode Island car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Bristol | $1,825 |
Central Falls | $2,538 |
Providence | $2,495 |
Warwick | $2,121 |
Car insurance premium trends in Rhode Island
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Rhode Island to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Rhode Island car insurance rates with other states
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