In a NutshellThe average cost of car insurance in Rhode Island varies based on individual circumstances such as credit score, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers for those in the Ocean State.
Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
With 400 miles of New England coastline, there’s lots to explore in Rhode Island.
But are you getting the best bang for your buck when it comes to your car insurance? We looked at estimated car insurance rates from several auto insurance companies in Rhode Island and calculated the average cost for minimum-coverage car insurance, as well as insurers offering the cheapest estimated rates for a number of driver needs and profiles.
The calculations below are based on a relatively neutral Rhode Island driver profile. This driver has no tickets, accidents or claims, for example (see our full methodology). Your rates may be higher or lower given not only your individual driving history, but also other factors that affect car insurance like your age, mileage, coverage options and vehicle type.
Read on to learn about Rhode Island’s average car insurance rates and our findings for the cheapest options.
- Cost of car insurance in Rhode Island
- 5 cheapest car insurance companies in Rhode Island
- Cheapest state-minimum car insurance in Rhode Island
- Cheapest car insurance for good credit in Rhode Island
- Cheapest car insurance for poor credit in Rhode Island
- Cheapest car insurance for drivers with multiple claims in Rhode Island
- Cheapest car insurance for young drivers in Rhode Island
- Rhode Island auto insurance requirements
- Is usage-based insurance available in Rhode Island?
- FAQs about the cheapest car insurance rates in Rhode Island
Cost of car insurance in Rhode Island
Average monthly premiums for car insurance in Rhode Island range from just under $90 up to around $140, depending on type of coverage and driver profile.
Average monthly auto insurance premiums in Rhode Island
|Driver or coverage||Avg. monthly cost|
|State-minimum car insurance in Rhode Island||$87.12/month|
|Drivers with poor credit in Rhode Island||$134.48/month|
|Drivers with multiple claims in Rhode Island||$102.03/month|
|Young drivers in Rhode Island||$142.46/month|
5 cheapest car insurance companies in Rhode Island
We found Amica Mutual may offer the cheapest car insurance for lots of different driver profiles. As a reminder, the rates below are calculated for minimum-coverage insurance and are based on a specific Rhode Island driver profile, as detailed in our methodology. That helps us assess insurers evenly and get the best sense of the average costs for an average driver. That means your rates could be different. Unless otherwise noted, our Rhode Island driver has a $20,000 to $30,000 car value, no tickets or coverage gaps, a credit score between 680 and 719 and is between 36 and 45 years old.
1. Amica Mutual
With Amica Mutual, our Rhode Island driver profile could find minimum-coverage car insurance for as low as $24.75 per month. Amica offers state-minimum coverage and a wide range of optional add-ons, including personal injury liability, medical payments coverage, bodily injury liability, property damage, uninsured/underinsured motorist insurance, collision and comprehensive coverage, loan/lease gap coverage, full glass coverage, roadside assistance and rental reimbursement. It also offers a wide range of discount options.Check out reviews of Amica Mutual car insurance.
2. State Farm
State Farm could offer our Rhode Island driver profile a basic-coverage policy for as little as $29.42 per month. State Farm offers all of the standard insurance options, plus extras including car rental and travel expenses, emergency roadside coverage and rideshare driver coverage. It also provides insurance for a wide range of driver needs, including teen driver coverage, rental car coverage, sports cars, classic cars, commercial autos and electric and hybrid cars.Check out reviews of State Farm auto insurance.
With USAA, our Rhode Island driver profile could find car insurance for about $39.42 per month for minimum coverage. USAA members — who are U.S. military members, their spouses and children of USAA members — can access USAA car insurance, which offers standard state-minimum coverage, as well as extra policy options such as comprehensive, collision and uninsured/underinsured motorist coverage. Plus, USAA offers discounts specifically for military members.Check out reviews of USAA car insurance.
Travelers could offer our Rhode Island driver profile basic car insurance for as low as $40 per month. Get the right amount of coverage to be legal on the road and choose from extras like uninsured/underinsured motorist, collision, comprehensive, personal injury protection and medical payments coverages and more. Plus, customers can save on their premiums with discounts for bundling cars and policies, having a safe driving record, being a good student and paying their bill in full, among others.Read reviews of Travelers car insurance.
5. Quincy Mutual
Finally, Quincy Mutual could offer a minimum-coverage policy for as little as $45.96 per month to our Rhode Island driver profile. Quincy works with independent agents to provide custom policy needs. It offers standard coverages such as bodily injury, property damage, uninsured motorist and personal injury protection and optional coverages like collision, comprehensive, substitute transportation and towing and labor.
Cheapest state-minimum car insurance in Rhode Island
Rhode Island drivers must carry a minimum 25/50/25 liability policy, per state law. This is considered state-minimum car insurance and is the least expensive kind of policy you can buy.
The following companies have the lowest estimated rates for drivers interested in state-minimum coverage.
5 cheapest car insurance companies in Rhode Island for state-minimum coverage
Cheapest car insurance for good credit in Rhode Island
Drivers who have good credit will often find cheaper car insurance rates than drivers who are considered to have poor credit. While credit isn’t the only factor that determines how much you pay for your insurance, it’s certainly an important one.
Drivers with good credit may find the cheapest car insurance at the following companies.
5 cheapest car insurance companies in Rhode Island for those with good credit
Cheapest car insurance for poor credit in Rhode Island
Drivers who have poor credit generally pay higher monthly premiums for their car insurance. There are other ways to save money on your premium, even with less-than-perfect credit, like maintaining a record of safe driving and looking for other discounts provided by your insurer.
The following companies have the lowest estimated rates for drivers considered to have poor credit.
5 cheapest car insurance companies in Rhode Island for those with poor credit
Cheapest car insurance for drivers with multiple claims in Rhode Island
Another factor that determines the cost of your car insurance is how many claims you have on your record. Drivers who have made multiple claims with their insurance companies will usually see higher rates for insurance.
These companies have the lowest estimated rates for drivers with multiple claims by insurance companies.
5 cheapest car insurance companies in Rhode Island for multiple claims
|4||National Grange Mutual||$50.92/month|
Cheapest car insurance for young drivers in Rhode Island
Finally, younger drivers are often more expensive to insure than older drivers because insurance companies tend to view them as riskier. Over time, though, if you maintain a safe driving record, your rates should go down.
The companies below have the lowest estimated rates for drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Rhode Island for young drivers
Rhode Island auto insurance requirements
Rhode Island requires $25,000 per person and $50,000 per accident per accident for bodily injury liability. It also requires $25,000 per accident of property damage liability. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Is usage-based insurance available in Rhode Island?
Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Rhode Island drivers may be able to save money by participating in UBI programs offered by their insurers.
FAQs about the cheapest car insurance rates in Rhode Island
Amica Mutual offers the lowest car insurance rates for several different Rhode Island driver profiles, according to our research.
Rhode Island is considered an at-fault state, which means the person who is found to have caused an accident will be financially responsible for covering the damages caused to other drivers.
We found that Rhode Island is on the higher end of average car insurance costs compared to the rest of the United States.
The estimated rates in this article are the lowest estimated rates based on the profile of a driver aged 36 to 45 living in Rhode Island. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on a range of factors, such as your age, vehicle driving habits and history.
Average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Average monthly premium for state-minimum car insurance includes Rhode Island-mandated 25/50/25 insurance policy.