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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

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.

CompanyAverage annual premiumAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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:

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.