Cheapest car insurance in Rhode Island for a bad driving record

If you have a bad driving record in Rhode Island, Progressive, Nationwide, American Family offer affordable car insurance. However, Progressive has the lowest average rate of $2,652.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you’ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

CompanyAverage annual premium for clean recordAnnual premium for high-risk driver
Progressive$1,841$2,652
Nationwide$1,911$3,062
American Family$1,833$3,076
Travelers$1,946$3,234
Allstate$2,993$4,257
Geico$2,292$4,551
State Farm$1,319$5,034
Farmers$3,336$5,349
Amica$2,206$5,593
USAA$1,147$1,696
Data updated in 2024

How much is high-risk car insurance in Rhode Island?

A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,597 in Rhode Island, you can find rates as low as $2,652 from Progressive.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Keep reading as we break down high-risk car insurance factors and rates.

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Rhode Island
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over 2K1 At-fault property damage accident under 2K1 comprehensive claim for over 2k1 comprehensive claim for under 2k2 At-fault property damage accident over 2k2 comprehensive claims for over 2k2 speeding tickets 11 mph or overAt-fault bodily injury accidentCareless drivingDUI/DWI first offenseDUI/DWI second offenseDistracted driving ticketDriving without a license or permitDriving without insuranceFailure to stopFailure to yieldFair creditFollowing too closelyHit and run - injuryHit and run - property damageImproper turnImproper/illegal passLapse of coverage for 7 daysLapse of coverage for 7 to 30 daysLapse of coverage for over 30 daysOperating a vehicle in a race (highway racing)Passing stopped school busPoor creditReckless drivingSR22 Filing OnlySR22 with 1 DUISeatbelt infractionSingle vehicle accident (so the drivers car only)Speeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limitTalking on cellphone ticketTexting ticket
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Rhode Island, RI is $2,929
Show Graph View
CompanyAnnual premium for clean recordAnnual premium after violation
State Farm$1,319$1,706
Progressive$1,841$1,927
Travelers$1,946$2,655
Geico$2,292$2,813
Nationwide$1,911$2,891
American Family$1,833$3,071
Amica$2,206$3,780
Farmers$3,336$4,400
Allstate$2,993$4,720
Data updated in 2024
Average annual rate

Cheapest car insurance in Rhode Island with a DUI

While many insurers offer coverage after a DUI, Progressive has the lowest rate at $2,280.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Rhode Island.

CompanyAverage annual premium for clean recordAnnual premium for a DUI
Progressive$1,841$2,280
American Family$1,833$2,808
Travelers$1,946$3,181
Nationwide$1,911$3,679
Allstate$2,993$4,475
Farmers$3,336$5,705
Geico$2,292$7,839
Amica$2,206$9,037
USAA$1,147$2,101
Data updated in 2024

Cheapest car insurance in Rhode Island with multiple tickets

The cheapest insurer for drivers with multiple traffic tickets is Progressive, with rates averaging $2,534 or $211.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.

This table shows Rhode Island drivers how much multiple tickets increase premiums.

CompanyAverage annual premium for clean recordAnnual premium with a speeding ticket
Progressive$1,841$2,534
American Family$1,833$2,696
Nationwide$1,911$2,752
Travelers$1,946$2,878
Allstate$2,993$3,691
Geico$2,292$3,848
Farmers$3,336$4,518
Amica$2,206$4,611
USAA$1,147$1,306
Data updated in 2024

Cheapest car insurance in Rhode Island with a reckless driving conviction

American Family offers the cheapest rates for drivers with reckless driving convictions at $2,808.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.

CompanyAverage annual premium for clean recordAnnual premium for reckless driving
American Family$1,833$2,808
Progressive$1,841$2,866
Travelers$1,946$3,181
Nationwide$1,911$3,679
Allstate$2,993$4,475
Geico$2,292$4,810
Farmers$3,336$5,705
Amica$2,206$6,662
USAA$1,147$1,671
Data updated in 2024

Cheapest car insurance in Rhode Island with bad credit

The cheapest Rhode Island insurer for bad credit is Nationwide, with rates averaging $2,761 or $230. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer’s perspective, higher risk means an increased chance of filing a 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., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Rhode Island car insurance.

CompanyAnnual premium for good creditAnnual premium for bad credit
Nationwide$1,911$2,761
Amica$2,206$3,041
Geico$2,292$3,112
Progressive$1,841$3,163
Travelers$1,946$4,404
American Family$1,833$4,750
State Farm$1,319$5,034
Allstate$2,993$5,522
Farmers$3,336$7,131
USAA$1,147$2,482
Data updated in 2024

Cheapest car insurance after an accident in Rhode Island

Progressive has the lowest rates after an accident at $1,927. Geico also has affordable rates at $2,813.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.

CompanyAverage annual premium for clean recordAnnual premium for one at-fault accidentAnnual premium for multiple accident
Progressive$1,841$1,927$2,034
Geico$2,292$2,813$2,958
Data updated in 2024

Cheapest car insurance in Rhode Island by city

Newport has the cheapest car insurance rates in Rhode Island at $2,904. But the most expensive city is Central Falls with rates of $4,474.

Your location in Rhode Island also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

CityAverage annual premium for clean recordAnnual premium for high-risk driver
Newport$1,655$2,904
Bristol$1,825$3,180
Shannock$1,840$3,214
Woonsocket$2,077$3,647
Warwick$2,121$3,745
Hope$2,152$3,760
East Providence$2,262$3,920
Pawtucket$2,452$4,261
Providence$2,495$4,282
Central Falls$2,538$4,474
Data updated in 2024

How to reduce car insurance rates in Rhode Island for a bad driving record

Finding affordable car insurance in Rhode Island is possible, even with a bad driving record. Ways to lower car insurance rates include:

  • Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
  • Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren’t added.
  • Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
  • Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
  • Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

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