- Average cost of car insurance in Rhode Island
- Best car insurance companies in Rhode Island: State Farm
- Cheapest car insurance companies in Rhode Island: State Farm
- Cheapest car insurance cost in Rhode Island by age
- Cheapest car insurance companies in Rhode Island by driver profile
- Compare auto insurance rates by city in Rhode Island
- Methodology
- Compare auto insurance rates with other states
Average cost of car insurance in Rhode Island
The average car insurance rate 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 companies 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.
| Company | AM Best | JD Power | NAIC | Insurance.com score | Avg. Annual Premium |
|---|---|---|---|---|---|
| State Farm | A++ | 829 | 0.7 | 3.63 | $1,319 |
| Travelers | A++ | 782 | 0.49 | 3.49 | $1,946 |
| Amica Mutual | A+ | 833 | 0.61 | 3.32 | $2,206 |
| Progressive | A+ | 802 | 0.65 | 3.23 | $1,841 |
| Nationwide | A+ | 810 | 0.64 | 3.2 | $1,911 |
| Geico | A++ | 836 | 0.91 | 2.99 | $2,292 |
| Allstate | A+ | 816 | 0.65 | 2.74 | $2,993 |
| American Family | A | 820 | 1.1 | 2.68 | $1,833 |
| Farmers | A | 821 | 0.8 | 2.38 | $3,336 |
Cheapest car insurance companies 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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA* | $352 | $421 | $1,147 |
| State Farm | $366 | $455 | $1,319 |
| American Family | $527 | $666 | $1,833 |
| Progressive | $777 | $955 | $1,841 |
| Nationwide | $882 | $1,079 | $1,911 |
| Travelers | $559 | $831 | $1,946 |
| Amica Mutual | $535 | $710 | $2,206 |
| Geico | $646 | $825 | $2,292 |
| Allstate | $975 | $1,203 | $2,993 |
| Farmers | $916 | $975 | $3,336 |
*USAA offers car insurance only to military members, veterans and their families.
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Most & least expensive ZIP codes for auto insurance in Rhode Island
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 02909 | Providence | $251 |
| 02907 | Providence | $250 |
| 02908 | Providence | $242 |
| 02905 | Providence | $230 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 28420 | Newport East | $140 |
| 28350 | Jamestown | $145 |
| 28400 | Newport | $145 |
| 28410 | Newport | $147 |
Cheapest car insurance cost in Rhode Island by age
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.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | State Farm | $3,736 |
| Teens (16-19) | American Family | $5,997 |
| Teens (16-19) | USAA* | $6,061 |
| Teens (16-19) | Nationwide | $6,172 |
| Teens (16-19) | Geico | $7,194 |
| Teens (16-19) | Allstate | $8,142 |
| Teens (16-19) | Progressive | $8,458 |
| Teens (16-19) | Travelers | $9,349 |
| Teens (16-19) | Amica Mutual | $9,794 |
| Teens (16-19) | Farmers | $11,441 |
| Young Adults (20-24) | USAA* | $2,069 |
| Young Adults (20-24) | State Farm | $2,284 |
| Young Adults (20-24) | Travelers | $3,003 |
| Young Adults (20-24) | Nationwide | $3,158 |
| Young Adults (20-24) | American Family | $3,216 |
| Young Adults (20-24) | Progressive | $3,259 |
| Young Adults (20-24) | Geico | $3,621 |
| Young Adults (20-24) | Amica Mutual | $4,438 |
| Young Adults (20-24) | Allstate | $4,807 |
| Young Adults (20-24) | Farmers | $5,533 |
| Adults (25-60) | USAA* | $1,178 |
| Adults (25-60) | State Farm | $1,315 |
| Adults (25-60) | Progressive | $1,872 |
| Adults (25-60) | Nationwide | $1,876 |
| Adults (25-60) | Travelers | $1,920 |
| Adults (25-60) | American Family | $1,921 |
| Adults (25-60) | Amica Mutual | $2,169 |
| Adults (25-60) | Geico | $2,323 |
| Adults (25-60) | Allstate | $2,997 |
| Adults (25-60) | Farmers | $3,338 |
| Seniors (65-75) | USAA | $1,215 |
| Seniors (65-75) | State Farm | $1,330 |
| Seniors (65-75) | Nationwide | $1,817 |
| Seniors (65-75) | Progressive | $1,991 |
| Seniors (65-75) | American Family | $2,089 |
| Seniors (65-75) | Travelers | $2,279 |
| Seniors (65-75) | Geico | $2,431 |
| Seniors (65-75) | Amica Mutual | $2,463 |
| Seniors (65-75) | Allstate | $2,995 |
| Seniors (65-75) | Farmers | $3,273 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Rhode Island by driver profile
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.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| USAA* | $1,104 | $1,104 | $1,386 |
| State Farm | $1,157 | $1,260 | $1,157 |
| Travelers | $1,617 | $1,865 | $2,095 |
| Geico | $1,656 | $2,058 | $2,981 |
| Nationwide | $1,910 | $2,141 | $2,682 |
| American Family | $1,930 | $2,177 | $3,003 |
| Progressive | $1,992 | $2,118 | $2,947 |
| Allstate | $2,973 | $3,401 | $3,716 |
*USAA offers car insurance only to military members, veterans and their families.
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.
| City | Annual insurance premium |
|---|---|
Bristol | $1,825 |
Central Falls | $2,538 |
Providence | $2,495 |
Warwick | $2,121 |
Methodology
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:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- 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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