Average cost of car insurance in Rhode Island

The average car insurance cost in Rhode Island is $172 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 $646

Best car insurance in Rhode Island: State Farm

State Farm is the best car insurance company in Rhode Island, based on an analysis by Insurance.com, with an overall rating of 3.63. Travelers 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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage Annual Premium
State FarmA++8290.73.63$1,319
Amica MutualA+8330.613.32$2,206
American FamilyA8201.12.68$1,833

Data updated in 2024
Read our full methodology

Cheapest car insurance in Rhode Island: State Farm

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 $1,147 annually or $95 a month for full coverage. State Farm is the cheapest company that is open to all drivers, with an average annual rate of $1,319 for full coverage in Rhode Island. 

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
State Farm$366$455$1,319
American Family$527$666$1,833
Amica Mutual$535$710$2,206

*USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Rhode Island
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male Female
2909 - Providence
For a 30-year-old male
$78 State minimum
$251 Full coverage
$98 Liability only

Most & least expensive ZIP codes for auto insurance in Rhode Island

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate
28420Newport East$140
Data updated in 2024
Read our full methodology

Rhode Island car insurance requirements

Rhode Island's minimum car insurance coverage limits are 25/50/25. Rhode Island's state minimum liability insurance costs an average of $638 annually or $53 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 $366 annually or $30 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.

State minimum auto insurance coverage in Rhode Island, RI
Company Liability insurance premiumMonthly liability insurance premium
State Farm$366$30
American Family$506$42
Amica Mutual$535$45

*USAA offers coverage only to military veterans and their family

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Rhode Island by age

Cheapest for teens
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Cheapest for adults
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Cheapest for seniors
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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 teen drivers in Rhode Island at $3,736 per year for a full coverage policy.

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, State Farm offers the cheapest full coverage car insurance for adult and senior drivers at $1,315 per year and $1,330 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.

Age group
State Farm$4,284$357
American Family$7,396$616
Amica Mutual$11,625$969
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Rhode Island by driver profile

Cheapest for at-fault accident
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Cheapest for DUI
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Cheapest for speeding ticket
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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. 

CompanyClean RecordAccidentSpeeding Ticket
State Farm$1,319$1,448$1,319
American Family$1,833$2,246$2,696

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Compare auto insurance rates by city in Rhode Island

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Rhode Island.

CityAnnual insurance premium
Central Falls
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Rhode Island have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.  

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