- Cheapest car insurance for high-risk drivers in Rhode Island
- Average rates for high-risk drivers in Rhode Island by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Rhode Island
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Rhode Island is State Farm, followed by Travelers and Progressive.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,360 | $113 |
| Travelers | $2,192 | $183 |
| Progressive | $2,937 | $245 |
| Nationwide | $2,998 | $250 |
| American Family | $3,182 | $265 |
| Geico | $3,542 | $295 |
| Allstate | $4,216 | $351 |
| USAA | $1,623 | $135 |
Average rates for high-risk drivers in Rhode Island by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| USAA | $1,104 |
| State Farm | $1,572 |
| Travelers | $1,742 |
| Geico | $2,032 |
| Progressive | $2,088 |
| Nationwide | $2,834 |
| American Family | $2,920 |
| Allstate | $4,685 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Rhode Island for a driver with a DUI is Travelers with an average annual of $2,172 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Travelers | $2,172 | $181 |
| Progressive | $2,529 | $211 |
| American Family | $2,972 | $248 |
| Nationwide | $3,575 | $298 |
| Allstate | $4,430 | $369 |
| Geico | $5,631 | $469 |
| USAA | $2,018 | $168 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Rhode Island, the cheapest car insurance with multiple tickets is from Travelers. It offers full coverage insurance at $2,093 per year or $174 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Travelers | $2,093 | $174 |
| Nationwide | $2,702 | $225 |
| Geico | $2,760 | $230 |
| Progressive | $2,816 | $235 |
| American Family | $2,834 | $236 |
| Allstate | $3,659 | $305 |
| USAA | $1,256 | $105 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Rhode Island, Travelers offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $2,172 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Travelers | $2,172 | $181 |
| American Family | $2,972 | $248 |
| Progressive | $3,184 | $265 |
| Nationwide | $3,575 | $298 |
| Allstate | $4,430 | $369 |
| Geico | $5,091 | $424 |
| USAA | $1,600 | $133 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Rhode Island is Geico with an average annual cost of $2,247 or $187 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $2,247 | $187 |
| State Farm | $2,380 | $198 |
| Travelers | $2,530 | $211 |
| Nationwide | $2,730 | $228 |
| Progressive | $3,459 | $288 |
| American Family | $4,644 | $387 |
| Allstate | $5,457 | $455 |
| USAA | $2,351 | $196 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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