Cheapest Car Insurance in Rhode Island

Car insurance rates in Rhode Island are slightly below average. But that shouldn’t stop you from finding affordable auto insurance in the state. Below, we’ll look at the cheapest Rhode Island car insurance and coverage options, beginning with the most affordable providers and coverage options.

Cheapest Car Insurance Companies in Rhode Island

The cheapest car insurance companies in Rhode Island are State Farm, USAA, Progressive and Travelers. Below are the overall and cost ratings for these providers.

Rhode Island Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	# of Discounts Offered	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
Progressive Learn More	9.0	9.5	7.8	16	Learn More
Travelers Learn More	9.5	9.8	9.8	16	Learn More

Rhode Island Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	# of Discounts Offered	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
Progressive Learn More	9.0	9.5	7.8	16	Learn More
Travelers Learn More	9.5	9.8	9.8	16	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Rhode Island.

Since car insurance companies have different calculation methods for insurance premiums, no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Rhode Island.

Cheapest Rhode Island Car Insurance Coverage

Coverage level significantly impacts car insurance rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in Rhode Island for both coverage types.

Cheapest Liability Car Insurance in Rhode Island

At $39 per month or $474 per year, USAA offers the cheapest minimum liability car insurance in Rhode Island. Geico and Travelers also have affordable options for Rhode Island motorists. Below is the complete list of cheap liability coverage options in Rhode Island.

Cheapest Full Coverage Car Insurance in Rhode Island

USAA provides the cheapest full coverage car insurance in Rhode Island, costing $118 per month or $1,417 per year. Geico and American Family Insurance can also be good options for Rhode Island motorists. We highlight the complete list of cheapest full coverage options for auto insurance in Rhode Island below.

These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Several factors affect your car insurance costs in Rhode Island, including age, driving history and credit scores. Below we compare cheap car insurance estimates for Rhode Island drivers in these categories.

Cheapest Car Insurance for Young Drivers in Rhode Island

Young drivers pay significantly more for car insurance than older drivers. The tables below show the cheapest car insurance for young drivers in Rhode Island, along with estimated monthly and annual costs.

Cheapest Rhode Island Car Insurance for 16-Year-Olds

Our research shows Geico and American Family Insurance offer the cheapest car insurance rates in Rhode Island on average for 16-year-old drivers.

Cheapest Rhode Island Car Insurance for 17-Year-Olds

Geico and USAA tend to be the cheapest options on average for full coverage car insurance for 17-year-olds. According to our rate estimates, 17-year-old drivers pay slightly less for car insurance than 16-year-old drivers.

*Costs were taken from 2022 information.

Cheapest Rhode Island Car Insurance for 18-Year-Olds

On average, Geico has the cheapest full coverage car insurance for 18-year-olds in Rhode Island on average, offering rates as low as an estimated $3,814 per year or $318 per month. USAA, American Family Insurance and Allstate also provide affordable rates for teen drivers.

*Costs were taken from 2022 information.

Cheapest Rhode Island Car Insurance for 21-Year-Olds

According to our research, USAA offers the cheapest coverage for 21-year-old drivers in the state on average, costing $1,713 per year or $143 per month. As this table illustrates, Rhode Island drivers in their early 20s may find cheaper car insurance rates than when they were in their teens.

*Costs were taken from 2022 information.

Cheapest Rhode Island Car Insurance for 25-Year-Olds

Twenty-five-year-old Rhode Island drivers tend to find affordable full coverage car insurance through USAA and Travelers. Geico, Amica and American Family Insurance also offer competitive rates, according to our research.

Cheapest Rhode Island Car Insurance for High-Risk Drivers

Drivers who have a recent speeding ticket, DUI or recent accident on their driving record are considered high-risk by insurance companies. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.

Cheapest Rhode Island Car Insurance for Drivers With a Speeding Ticket

Rhode Island drivers can expect to pay a steep price for car insurance after a speeding violation. Motorists with a speeding ticket on their record pay an average cost of $2,446 per year for auto insurance in Rhode Island.

Cheapest Rhode Island Car Insurance for Drivers With a Recent Accident

An increased car insurance premium is inevitable after an at-fault accident in Rhode Island. In general, average rates increase to $2,605 per year for full coverage insurance following an accident.

Cheapest Rhode Island Car Insurance for Drivers With a DUI

Car insurance companies will likely flag you as a high-risk driver after a DUI conviction. Car insurance premiums can skyrocket to an average of $4,831 per year in Rhode Island for drivers with a DUI.

Cheapest Rhode Island Car Insurance for Drivers With Poor Credit

Having a poor credit score in Rhode Island can increase your insurance rate by about 65%, according to our rate estimates. Drivers with bad credit pay an average cost of $4,619 per year.

Car Insurance Deals in Rhode Island

Many car insurance companies in Rhode Island provide several discount and deal options for motorists to help them save on car insurance. The table below compares the car insurance discounts offered by the top providers in the Ocean, which we’ll discuss in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Rhode Island

When shopping for car insurance it’s always a good idea to take a look at what discounts you are eligible for. Many times, discounts will vary based on the car insurance provider, however, there are many similarities in the deals offered by top providers.

Here’s more information on the standard types of discounts offered by the best car insurance companies:

• Multi-policy: Receive a discount for bundling two or more insurance policies such as home and auto
• Multi-vehicle: Earn this discount by insuring multiple vehicles on your policy
• Military: Applies whether you’re a veteran or active military member
• Senior: Typically applies to policyholders who are 55 and older
• Homeowners: If you own a home, you may qualify for this discount
• Good student: Usually for college and high school students under 25 who maintain a B average in their courses
• Good driver: Applies to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
• Defensive driving: Taking a defensive driving course tends to qualify drivers for this discount
• Driver training: Get a discount by taking a driver education training course
• New car: Given to drivers who buy newer vehicles, usually within the last 3 vehicle years
• Safe car: If your car has anti-theft technology or other safety equipment you can get this discount
• Paperless: Opting to receive your billing via email can help save money
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in the Ocean State, the sections below contain more detailed information:

Our rate estimate research shows that Rhode Island drivers pay an average of $2,357 per year or $196 per month for full coverage auto insurance. This is about 17% above the national average of $2,008 per year. According to the National Association of Insurance Commissioners (NAIC), Rhode Island is the seventh-most expensive state for car insurance in the nation.

On average, drivers pay about $1,036 per year, or $86 per month, for minimum liability insurance in Rhode Island. USAA typically offers the cheapest liability insurance in the state, with rate estimates as low as $474 per year or $39 per month.

Rhode Island Car Insurance Cost by Age

Teen drivers and those with limited driving experience pay more for car insurance on average, while more experienced middle-aged drivers tend to pay rates closer to the statewide average. Below is a table with estimated car insurance rates for Rhode Island drivers of all ages:

Rhode Island Car Insurance Cost by City

Car insurance coverage in Rhode Island is more expensive in and around Providence. You can generally find cheaper rates in the southern part of the state or in cities close to the Massachusetts border.

*Average rates above apply to the top three companies in each city.

Factors That Affect Rhode Island Car Insurance Rates

Keep in mind your rates for car insurance will vary based on the provider. Significant factors that influence your car insurance quotes include:

• Age
• Gender
• Marital status
• Location
• Credit score
• Driving history

Each state sets its own regulations for car insurance that drivers must follow. Rhode Island law requires drivers to carry liability car insurance in the amounts of 25/50/25. These coverage limits mean drivers must purchase:

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $25,000 per accident

Liability coverage only protects other drivers and their passengers in accidents where you are at fault. Consider adding collision coverage, comprehensive coverage, uninsured motorist coverage and medical payments coverage for extra protection on the road.

How To Get Car Insurance in Rhode Island

We recommend that Rhode Island drivers get car insurance quotes from State Farm, USAA and Progressive. Travelers also offers affordable insurance premiums for most drivers in the state.

Comparing car insurance quotes from providers allows you to find the best coverage and cost for your situation.

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Rhode Island. We also looked at the average cost of car insurance and coverage requirements in the Ocean State.

Cheapest Car Insurance in Rhode Island: FAQ

Below are frequently asked questions about the cheapest car insurance in Rhode Island.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.