The cost of car insurance in Rhode Island can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Rhode Island is $1,786 annually for the profile of a 30-year-old driver.
When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.
- Cheapest car insurance companies in Rhode Island
- Cheapest car insurance for teens in Rhode Island
- Cheapest car insurance for young drivers in Rhode Island
- Cheapest car insurance for adults in Rhode Island
- Cheapest car insurance for seniors in Rhode Island
- Cheapest car insurance rates in Rhode Island by driving record
- Average cost of car insurance in Rhode Island
Cheapest car insurance companies in Rhode Island
USAA Casualty is the cheapest car insurance company in Rhode Island that offers full coverage policy at about $970 per year or $81 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Rhode Island.
Following is the list of the cheap auto insurance companies and their average annual and monthly premium.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA Casualty | $970 | $81 |
| State Farm Mutl Automobile Ins | $1,157 | $96 |
| GEICO General | $1,656 | $138 |
| Travelers Home & Marine | $1,672 | $139 |
| Nationwide General | $1,840 | $153 |
| Main St Am Protection | $1,930 | $161 |
| Progressive Direct | $1,971 | $164 |
| Allstate F&C | $2,249 | $187 |
| Metropolitan Casualty | $2,628 | $219 |
Cheapest car insurance for teens in Rhode Island
State Farm is the cheapest car insurance provider for teen drivers in Rhode Island. It offers insurance at about $3,180 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.
| Company | Average annual premium |
|---|---|
| State Farm Mut Auto | $3,180 |
| Geico Gen | $4,397 |
| Allstate Fire & Cas | $6,788 |
| Nationwide Gen | $7,284 |
| Progressive Direct | $10,596 |
| Amica Mut | $12,340 |
Cheapest car insurance for young drivers in Rhode Island
The cheapest car insurance company for young drivers in Rhode Island is Geico at about $1,501 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.
| Company | Average annual premium |
|---|---|
| Geico Gen | $1,501 |
| State Farm Mut Auto | $1,939 |
| Progressive Direct | $3,289 |
| Nationwide Gen | $3,872 |
| Allstate Fire & Cas | $4,212 |
| Amica Mut | $4,420 |
Cheapest car insurance for adults in Rhode Island
According to Insurance.com's rate analysis, State Farm offers the cheapest car insurance for adults in Rhode Island. Its average rate is $1,133 annually.
Below are the companies that offer cheap insurance rates for adult drivers in Rhode Island.
| Company | Average annual premium |
|---|---|
| State Farm Mut Auto | $1,133 |
| Geico Gen | $1,210 |
| Progressive Direct | $1,828 |
| Nationwide Gen | $2,350 |
| Amica Mut | $2,662 |
| Allstate Fire & Cas | $2,957 |
Cheapest car insurance for seniors in Rhode Island
State Farm offers the cheapest car insurance for seniors in Rhode Island. The average annual premium offered is $1,105. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.
Below is the list of companies that offer the cheapest car insurance for seniors in Rhode Island:
| Company | Average annual premium |
|---|---|
| State Farm Mut Auto | $1,105 |
| Geico Gen | $1,387 |
| Progressive Direct | $1,671 |
| Nationwide Gen | $2,147 |
| Allstate Fire & Cas | $3,067 |
| Amica Mut | $4,532 |
Cheapest car insurance rates in Rhode Island by driving record
The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.
Cheapest auto insurance for drivers with poor credit: Geico
Geico has the cheapest auto insurance for drivers with poor credit at about $2,347 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.| Company | Average annual premium |
|---|---|
| Geico | $2,347 |
| State Farm | $2,430 |
| USAA | $2,492 |
| Nationwide | $2,818 |
| Travelers | $2,832 |
| Progressive | $3,773 |
| Main St Am Protection | $5,214 |
| Allstate | $5,417 |
| Metropolitan | $6,834 |
Cheapest auto insurance for drivers with a speeding ticket: State Farm
If you have a speeding ticket on your record, State Farm offers the cheapest car insurance at about $1,181 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.
| Company | Average annual premium |
|---|---|
| State Farm | $1,181 |
| USAA | $1,377 |
| Travelers | $2,281 |
| Nationwide | $2,765 |
| Geico | $2,886 |
| Progressive | $3,024 |
| Main St Am Protection | $3,164 |
| Allstate | $3,632 |
| Metropolitan | $4,347 |
Cheapest auto insurance after an at-fault accident : USAA
USAA offers the cheapest car insurance after an at-fault accident. Its average cost for Rhode Island drivers is $1,209 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.| Company | Average annual premium |
|---|---|
| USAA | $1,209 |
| State Farm | $1,604 |
| Travelers | $1,919 |
| Geico | $2,122 |
| Progressive | $2,280 |
| Nationwide | $2,903 |
| Main St Am Protection | $3,238 |
| Metropolitan | $4,271 |
| Allstate | $4,658 |
Cheapest auto insurance after a DUI : State Farm
If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in Rhode Island at $1,181 per year. To find the best deal, it is required to shop around and compare insurance quotes.
The table below lists the cheapest car insurance companies after DUI in Rhode Island, along with their average annual premium.
| Company | Average annual premium |
|---|---|
| State Farm | $1,181 |
| USAA | $2,222 |
| Travelers | $2,364 |
| Progressive | $2,733 |
| Main St Am Protection | $3,318 |
| Nationwide | $3,644 |
| Allstate | $4,403 |
| Metropolitan | $5,492 |
| Geico | $5,892 |
Average cost of car insurance in Rhode Island
The average car insurance rate for full coverage in Rhode Island is $1,786 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.
The state minimum average rate in Rhode Island is $641 annually.