Low-income car insurance in Rhode Island: What you need to know

Rhode Island government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in Rhode Island. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In Rhode Island, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

Rhode Island minimum car insurance requirements

The minimum car insurance requirements in Rhode Island are as follows:

Minimum liability coverage limits	25/50/25
Average annual premium	$646
Other types of insurance required (if any)	-

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Remember that if you have a loan on your car, you're required to carry full coverage, which includes collision and comprehensive.

Best low-income car insurance in Rhode Island

State Farm came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Rhode Island and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in Rhode Island.

Company	Average annual premium	J.D. Power	AM Best	NAIC	Insurance.com score
State Farm	$366	829	A++	0.7	3.63
Travelers	$559	782	A++	0.49	3.48
Amica Mutual	$535	833	A+	0.61	3.46
GEICO	$646	836	A++	0.91	3.01
Progressive	$777	802	A+	0.65	2.87
Nationwide	$882	810	A+	0.64	2.72
American Family	$527	820	A	1.1	2.67
Allstate	$975	816	A+	0.65	2.59
Farmers	$916	821	A	0.8	2.46

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Cheapest low-income car insurance in Rhode Island

Based on state-minimum coverage, we found that the cheapest car insurance company in Rhode Island is State Farm at an average rate of $366 a year.

When you're working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Rhode Island to find the cheapest options on average.

Company name	Average annual premium	Average monthly premium
State Farm	$366	$30
American Family	$527	$44
Amica	$535	$45
Travelers	$559	$47
GEICO	$646	$54
Progressive	$777	$65
Nationwide	$882	$74
Farmers	$916	$76
Allstate	$975	$81
USAA	$352	$29

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PEOPLE ASK:

What can I do if I can't afford car insurance in Rhode Island?

If you can't find affordable car insurance in Rhode Island, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.

Car insurance discounts for low-income drivers in Rhode Island

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Rhode Island can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type	% Discount
Years Licensed	25%
Profession	18%
Years Insured	17%
Primary Use	11%
Education	11%
Payment Type	10%
Electronic Signature	10%
Telematics	9%
Multi Policy	8%
Days Advanced Purchase	8%
Vehicle Ownership	8%
Purchase Status	8%
Lower Annual Mileage	7%
Daily Commute	6%
Marital Status	5%
Electronic Funds Transfer	5%
Days Per Week Driven	4%
Paperless/Electornic Documents	4%
Homeowner	3%
Safety Devices	3%
Loyalty - Years Renewal With Company	2%
Anti-Theft Device	1%
Air Bags	1%

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Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

Low-income car insurance in Rhode Island: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In Rhode Island, State Farm is the cheapest car insurance company with the average rate of $366. However, that's based on average rates and may differ for you, so it's important to shop around.

Does Rhode Island have car insurance for low-income individuals?

No, Rhode Island doesn't offer a car insurance program for low-income individuals or families.

What happens if I can't pay my car insurance?

If you don't pay your car insurance bill, your car insurance will be canceled and you won't have coverage. If you can't pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.