Cheapest car insurance for high-risk drivers in Rhode Island

Which company has the cheapest car insurance in Rhode Island for a bad driving record?

Drivers with a poor record in Rhode Island will find the lowest rates from Progressive, Nationwide and American Family. Among these, Progressive provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,652 annually.

If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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

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

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Rhode Island, high-risk car insurance costs $3,597 per year. However, you can get rates as low as $2,652 annually from Progressive.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Rhode Island, RI is $2,929

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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

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Average annual rate

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?

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

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

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What is the cheapest car insurance in Rhode Island with multiple tickets?

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

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your 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

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Rhode Island?

American Family offers the most affordable rates for drivers with reckless driving convictions, averaging $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

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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Rhode Island?

In Rhode Island, Nationwide provides the lowest premiums for drivers with poor credit, averaging $2,761 per year or $230 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Rhode Island.

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

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What company has the cheapest car insurance in Rhode Island after an accident?

Progressive has the lowest average rates after an accident at $1,927 a year. GEICO also offers affordable rates, averaging $2,813 per year.

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

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Key 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 car insurance rates in Rhode Island, averaging $2,904 a year. However, the most expensive city is Central Falls, with average insurance rates of $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

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How can high-risk drivers lower their car insurance rates in Rhode Island?

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.

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 California 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: