Which company has the cheapest car insurance in Rhode Island for a bad driving record?
Progressive offers the cheapest average rate in Rhode Island for drivers with a poor driving record at $2,652 per year. Nationwide and American Family also rank among the more affordable insurers for high-risk drivers.
Having accidents, DUIs or traffic tickets on your driving record will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual 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 |
How much is high-risk car insurance in Rhode Island?
The average cost of high-risk car insurance in Rhode Island is $3,597 per year. Depending on your driving history and insurer, you may be able to find rates as low as $2,652 annually.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual 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 |
People ask
Who is considered a high-risk driver in Rhode Island?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
What company offers the cheapest car insurance in Rhode Island after a DUI?
Progressive has the cheapest average DUI insurance rates in Rhode Island at $2,280 annually.
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.
| Company | Average annual premium for clean record | Annual 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 |
What is the cheapest car insurance in Rhode Island with multiple tickets?
Progressive is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,534 a year or $211 a month.
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.
| Company | Average annual premium for clean record | Annual 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 |
Expert's Insight
Two minor tickets can sometimes cost you more on your insurance than one major violation.
Which company offers the cheapest insurance for reckless driving in Rhode Island?
American Family offers the cheapest average reckless driving insurance rates in Rhode Island at $2,808 per year.
Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.
The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual 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 |
Expert's Insight
Some insurers may limit your coverage options after a reckless driving conviction, making quote comparisons even more important.
Which company has the cheapest car insurance for drivers with bad credit in Rhode Island?
The cheapest Rhode Island insurer for bad credit is Nationwide, with rates averaging $2,761 per year or $230 per month. 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.
| Company | Annual premium for good credit | Annual 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 |
What company has the cheapest car insurance in Rhode Island after an accident?
Progressive has the cheapest average post-accident insurance rates in Rhode Island at $1,927 per year. GEICO also offers below-average rates after an at-fault crash.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Progressive | $1,841 | $1,927 | $2,034 |
| GEICO | $2,292 | $2,813 | $2,958 |
Expert's Insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city has the cheapest car insurance for high-risk drivers in Rhode Island?
Newport has the cheapest average high-risk car insurance rates in Rhode Island at $2,904 per year. In comparison, drivers in Central Falls pay the highest average rates at $4,474 annually.
Where you live in Rhode Island also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual 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 |
How can high-risk drivers lower their car insurance rates in Rhode Island?
High-risk drivers in Rhode Island can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.
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.
- Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
People ask
How long are you considered a high-risk driver in Rhode Island?
Three years is common, but how long you are considered a high-risk driver in Rhode Island depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined $53M insurance quotes analyzed
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.
All base rate 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
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
FAQ: High-risk car insurance in Rhode Island
Can high-risk drivers get full coverage car insurance in Rhode Island?
Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.
Does an SR-22 automatically make your insurance more expensive in Rhode Island?
Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.
Will my car insurance rates go down after three years in Rhode Island?
It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.
Compare Rhode Island high-risk driver car insurance rates with other states
You might also be interested in- Rhode Island car insurance laws and requirements: What is changing in 2026
- Rhode Island DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Rhode Island
- Non-owner car insurance in Rhode Island: Best and cheapest companies
- Rhode Island gap insurance: Everything you need to know
- Low-income car insurance in Rhode Island
- Rhode Island car insurance coverage calculator
- Rhode Island car insurance guide
- Cheapest home and auto insurance bundle in Rhode Island
- Best and cheap car insurance in Rhode Island for 2026
In case you missed it
Stay updated with our latest insurance insights and guides
August 21, 2026Progressive is the cheapest car insurance company for South Carolina high-risk drivers...
Read article August 21, 2026Nationwide is the cheapest car insurance company for South Dakota high-risk drivers...
Read article August 21, 2026Progressive is the cheapest car insurance company for Tennessee high-risk drivers at...
Read article August 21, 2026Nationwide is the cheapest car insurance company for Texas high-risk drivers at...
Read article August 21, 2026Nationwide is the cheapest car insurance company for Utah high-risk drivers at...
Read article August 20, 2026State Farm is the cheapest car insurance company for Nevada high-risk drivers...
Read article August 20, 2026Auto-Owners is the cheapest car insurance company for New Hampshire high-risk drivers...
Read article August 20, 2026NJM is the cheapest car insurance company for New Jersey high-risk drivers...
Read article August 20, 2026Progressive is the cheapest car insurance company for New Mexico high-risk drivers...
Read article August 20, 2026Progressive is the cheapest car insurance company for New York high-risk drivers...
Read article August 20, 2026Erie Insurance is the cheapest car insurance company for Ohio high-risk drivers...
Read article August 20, 2026Progressive is the cheapest car insurance company for Oklahoma high-risk drivers at...
Read article August 20, 2026Travelers is the cheapest car insurance company for Oregon high-risk drivers at...
Read article August 20, 2026Travelers is the cheapest car insurance company for Pennsylvania high-risk drivers at...
Read article August 19, 2026Nationwide is the cheapest car insurance company for Mississippi high-risk drivers at...
Read article August 19, 2026Kemper is the cheapest car insurance company for Montana high-risk drivers at...
Read article August 19, 2026Nationwide is the cheapest car insurance company for Nebraska high-risk drivers at...
Read article August 19, 2026Erie Insurance is the cheapest car insurance company for North Carolina high-risk...
Read article August 19, 2026American Family is the cheapest car insurance company for North Dakota high-risk...
Read article
