Average cost of car insurance in Rhode Island

The average car insurance rate in Rhode Island is $1,717 a year 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 $593. 

Best car insurance companies in Rhode Island

State Farm is the best car insurance company in Rhode Island, based on a 2023 analysis by Insurance.com, with an overall rating of 4.59. USAA 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.

Best car insurance companies in Rhode Island
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
State FarmA++$ 1,1010.524.59
USAAA++$ 9620.994.03
GeicoA++$ 1,6920.773.92
NationwideA+$ 1,8640.663.71
American FamilyA$ 1,7570.573.68
ProgressiveA+$ 1,9620.733.49
TravelersA++$ 1,5521.033.49
Amica MutualA+$ 1,7920.953.17
AllstateA+$ 2,7720.952.41

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

Cheapest car insurance companies in Rhode Island

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 $962 annually or $80 a month for full coverage. State Farm is the cheapest company that is open to all drivers, with an average annual rate of $1,101 for full coverage in Rhode Island.  

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
State Farm$ 327$ 412$ 1,101
USAA$ 345$ 380$ 962
Amica Mutual$ 499$ 666$ 1,792
Geico$ 506$ 568$ 1,692
Travelers$ 519$ 728$ 1,552
American Family$ 521$ 671$ 1,757
Progressive$ 791$ 955$ 1,962
Allstate$ 829$ 1,048$ 2,772
Nationwide$ 1,004$ 1,199$ 1,864

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

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36110 - Montgomery
For a -year-old
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Liability only

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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 $3,100 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 $1,114 per year and $1,082 per year, respectively, unless they are eligible for coverage from USAA.

Cheapest car insurance by age in Rhode Island
Age (group) Company Group Avg. Annual Premium
Teens (16-19)State Farm$ 3,100
Teens (16-19)American Family$ 5,261
Teens (16-19)USAA$ 5,311
Teens (16-19)Geico$ 5,922
Teens (16-19)Nationwide$ 5,928
Teens (16-19)Allstate$ 6,585
Teens (16-19)Amica Mutual$ 9,705
Teens (16-19)Progressive$ 10,272
Teens (16-19)Travelers$ 14,170
Young Adults (20-24)USAA$ 1,757
Young Adults (20-24)State Farm$ 1,896
Young Adults (20-24)Geico$ 2,666
Young Adults (20-24)Travelers$ 3,047
Young Adults (20-24)Nationwide$ 3,052
Young Adults (20-24)American Family$ 3,098
Young Adults (20-24)Amica Mutual$ 3,319
Young Adults (20-24)Progressive$ 3,563
Young Adults (20-24)Allstate$ 4,055
Adults (25-55)USAA$ 1,004
Adults (25-55)State Farm$ 1,114
Adults (25-55)Travelers$ 1,504
Adults (25-55)Geico$ 1,651
Adults (25-55)Amica Mutual$ 1,789
Adults (25-55)Nationwide$ 1,857
Adults (25-55)American Family$ 1,905
Adults (25-55)Progressive$ 2,042
Adults (25-55)Allstate$ 2,806
Seniors (60-75)USAA$ 1,012
Seniors (60-75)State Farm$ 1,082
Seniors (60-75)Travelers$ 1,635
Seniors (60-75)Geico$ 1,712
Seniors (60-75)Nationwide$ 1,753
Seniors (60-75)American Family$ 2,009
Seniors (60-75)Progressive$ 2,078
Seniors (60-75)Amica Mutual$ 2,363
Seniors (60-75)Allstate$ 2,918

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. 

Cheapest car insurance companies for tickets and accidents in Rhode Island 
CompanyClean recordAccidentTicket
USAA$ 1,107$ 1,107$ 1,258
State Farm$ 1,157$ 1,364$ 1,157
Travelers$ 1,639$ 1,820$ 1,816
Geico$ 1,729$ 2,122$ 2,427
American Family$ 1,878$ 2,119$ 2,776
Nationwide$ 1,913$ 2,144$ 2,269
Progressive$ 1,981$ 2,075$ 2,932
Allstate$ 2,938$ 3,366$ 3,624

*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.

CityAnnual insurance premium
Central Falls

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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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