Cheap Car Insurance, Rhode Island: What You Need to Know
The Ocean State has some of the highest average premiums in the country, higher than the national average. So if you are a driver in Rhode Island, you need affordable car insurance. The best way to get affordable rates is to understand your options and what affects premiums.
This guide breaks down everything you need to know about getting cheap car insurance in Rhode Island without sacrificing quality coverage.
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Average Cost of Auto Insurance in Rhode Island
Rhode Island drivers pay some of the highest auto insurance premiums in the country. According to Bankrate, the state average annual cost for full coverage is $2,991, while minimum coverage costs $910 per year.
Rhode Island car insurance is higher than the national average, mostly because the state has one of the highest population densities despite being the smallest state by area.
Note that this is just an average, and your specific rate will differ depending on factors such as your driving record and profile. Always compare car insurance quotes with us before you buy coverage to get the best deals.
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Factors Affecting Car Insurance Rates in Rhode Island
Several factors affect your auto insurance premiums in Rhode Island. They include:
- Driving History: Good drivers with a clean record often get lower rates. Violations such as accidents, DUIs, and speeding tickets can raise your rates.
- Location: Urban areas like Providence tend to have higher premiums due to higher traffic density and crime rates.
- Age and Experience: Younger, less experienced drivers usually face higher premiums because they are more likely to be involved in car accidents.
- Credit Score: Insurers in Rhode Island use credit history to determine your premiums, which can affect your rates. A good credit score often means more affordable rates.
- Vehicle Type: More expensive or high-performance vehicles often cost more to insure.
Cheapest Car Insurance in Rhode Island by City
Car insurance costs vary across Rhode Island cities. Urban areas often have the highest rates because of higher traffic density, which increases the likelihood of car accidents. The cheapest cities in Rhode Island for car insurance are:
| City | Average Annual Premium (Minimum Coverage) |
|---|---|
| Chepachet | $754 |
| Pascoag | $764 |
| Glendale | $773 |
| Mapleville | $776 |
| Harrisville | $776 |
Source: Cheapest car insurance in Rhode Island for 2025 (Bankrate)
If you want to live in a big city within the state, the following cities are the cheapest options:
| City | Average Annual Premium (Minimum Coverage) |
|---|---|
| Woonsocket | $820 |
| Cumberland | $864 |
| Pawtucket | $984 |
| Warwick | $895 |
| Cranston | $1,016 |
Source: Cheapest car insurance in Rhode Island for 2025 (Bankrate)
Cheapest Auto Insurance in Rhode Island for Different Age Groups
Rhode Island insurance providers will consider your age when determining premiums. As is the case in many states, young drivers pay more for car insurance than older drivers. However, drivers of all ages can find cheap car insurance by comparing quotes from multiple providers. Here's a closer look at each age group and the cheapest car insurance options:
Teen Drivers
Teens aged 17 are new drivers. They often face the highest premiums because they have little experience on the road. Drivers in this age group can find the most affordable premiums with Allstate. They offer an average of $5,820 per year to female teen drivers and $6,996 per year to male drivers. Teens can lower their premiums by looking for good-student discounts.
| Company | Female Drivers | Male Drivers |
|---|---|---|
| Allstate | $5,820 | $6,996 |
| Geico | $7,323 | $7,323 |
| Progressive | $8,440 | $9,321 |
Source: Cheapest Car Insurance in Rhode Island for 2025 (US News)
Young Adults
Drivers aged 25 can expect lower premiums than teenagers. Geico offers the lowest average rates for drivers in this category at $2,460 per year. According to US News, Progressive and Amica also offer affordable rates below the state average.
| Company | Female Drivers | Male Drivers |
|---|---|---|
| Geico | $2,460 | $2,460 |
| Amica | $2,490 | $2,490 |
| Progressive | $2,502 | $2,554 |
| Allstate | $2,649 | $2,757 |
Source: Cheapest Car Insurance in Rhode Island for 2025 (US News)
Adults
Premiums stabilize in your 40s because insurance companies see you as more financially stable and therefore less likely to file a claim. Progressive offers the most affordable rates at $1,696 for females and $1,713 for males.
| Company | Female Drivers | Male Drivers |
|---|---|---|
| Progressive | $1,696 | $1,713 |
| Quincy Mutual | $2,077 | $2,156 |
| Geico | $2,126 | $2,229 |
Source: Cheapest Car Insurance in Rhode Island for 2025 (US News)
Senior Drivers
Drivers in their 60s may also qualify for low rates. The most affordable company is Progressive, with average annual rates of $1,429 for females and $1,442 for males. Quincy Mutual is also a good option.
| Company | Female Drivers | Male Drivers |
|---|---|---|
| Progressive | $1,429 | $1,442 |
| Quincy Mutual | $1,787 | $1,854 |
| Amica | $2,148 | $2,148 |
Source: Cheapest Car Insurance in Rhode Island for 2025 (US News)
Cheap Auto Insurance in Rhode Island for High-Risk Drivers
If you drive safely and have no traffic violations, insurance professionals will often give you affordable rates. On the other hand, drivers with spotty driving records in Rhode Island face higher premiums.
According to US News, these are the average rates for high-risk drivers in the state:
- With one speeding ticket: $3,306
- With one at-fault accident: $2,743
- With one DUI: $5,188
Comparing car insurance quotes from multiple providers can help these high-risk drivers get affordable coverage.
Speeding Tickets
A single speeding violation can raise your rate by hundreds of dollars per year. Quincy Mutual has the lowest average rate in Rhode Island for drivers after a speeding ticket. They offer $2,459 per year.
Car Accidents
Progressive and Travelers offer the cheapest rates on average for drivers in the state with one at-fault accident on their record. Both companies offer $1,940 per year.
DUI
A DUI will lead to the highest premiums out of the three violations. Progressive offers the lowest rate for a driver with a DUI, at an average rate of $2,465 per year.
| Company | Speeding Ticket | Car Accident | DUI |
|---|---|---|---|
| Quincy Mutual | $2,459 | $2,365 | $5,575 |
| Travelers | $2,302 | $1,940 | $3,181 |
| Progressive | $2,775 | $1,940 | $2,465 |
| Allstate | $3,127 | $2,569 | $3,754 |
Source: Cheapest Car Insurance in Rhode Island for 2025 (US News)
Cheapest Car Insurance in Rhode Island for Drivers with Poor Credit
Rhode Island allows insurers to use credit scores when determining rates. Good credit often leads to lower rates, while drivers with poor credit may see higher premiums.
According to US News, these drivers in the state pay an average of $4,698 per year. People with poor credit can find the cheapest Rhode Island car insurance with Geico at $2,890 per year. Other affordable companies are Progressive and Amica.
| Company | Poor Credit |
|---|---|
| Geico | $2,890 |
| Progressive | $3,030 |
| Amica | $3,171 |
Source: Cheapest Car Insurance in Rhode Island for 2025 (US News)
Rhode Island Minimum Coverage Auto Insurance Requirements
Rhode Island state laws mandate minimum car insurance coverage in the following limits:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability
Bodily injury liability coverage helps pay for the medical expenses of other people you injure in an accident. Property damage liability coverage helps pay for damaged property in an accident you cause.
These are minimum coverage limits, but they may not offer enough financial protection in a serious accident. For example, a collision with multiple vehicles can exceed the minimum liability limits. For this reason, many drivers choose higher limits or full coverage for more protection.
Optional Coverages in Rhode Island
Besides liability insurance, you can get additional coverage in Rhode Island. They are optional, but they give you more protection. Some of the choices include:
- Roadside Assistance Coverage: Provides services when you get stuck on the road. The exact services vary by provider but can include towing, fuel delivery, flat tire changes, and lockout assistance.
- Collision Insurance: Covers damage to your vehicle from collisions, rollovers, and hit-and-run incidents regardless of fault. If you lease or finance your car, your lender or lessor may require collision coverage.
- Comprehensive Coverage: Protects against non-collision incidents such as theft, falling branches, fire, and weather damage. If you finance or lease your vehicle, your lender or lessor may require comprehensive insurance.
- Rental Car Reimbursement: Covers the cost of a rental vehicle while your car is being repaired after a covered claim, usually up to a set daily limit.
Tips for Getting Cheap Auto Insurance in Rhode Island
The following tips can help you save money when buying car insurance:
- Compare car insurance quotes from multiple providers.
- Bundle policies (e.g., home and auto) for discounts. Also, take advantage of other available discounts, such as low-annual-mileage discounts.
- Maintain a clean driving record to lower your car insurance premiums.
- Improve your credit score to reduce your rates.
- Increase your deductible to lower monthly premiums. But make sure you can afford the claims.
- Use telematics programs to qualify for safe-driver discounts.
Frequently Asked Questions
Who Has the Best Car Insurance in Rhode Island?
The best car insurance in Rhode Island often depends on your profile and driving history. For example, Allstate offers the cheapest car insurance rates to teen drivers, while Geico is the most affordable for drivers in the state with poor credit. Compare car insurance quotes with us to find the cheapest provider with good customer satisfaction.
What are the Penalties for Driving Uninsured in Rhode Island?
All drivers must carry insurance to drive legally in Rhode Island. Driving uninsured leads to fines and a driving license suspension. It can also lead to vehicle registration suspension.
What Does Full Coverage Car Insurance Include?
Full coverage combines liability, comprehensive, and collision coverage. It may also include uninsured motorist protection and medical payments.
Is Rhode Island a No-Fault Car Insurance State?
No, Rhode Island is an at-fault state. The driver responsible for the accident must cover the damages.
Can I Use Out-of-State Car Insurance in Rhode Island?
Rhode Island requires vehicles registered in the state to carry Rhode Island auto insurance. But, if you're a visitor or temporarily driving through Rhode Island in a car registered and insured in another state, your out-of-state policy is allowed. Also, full-time students or active-duty military personnel who are temporary residents of the state are often exempt from the residency and registration requirement. So, their out-of-state insurance may remain valid.
Save on Car Insurance in Rhode Island
Explore and compare rates from over 50 top insurance companies, including Progressive, Travelers, AAA, and Nationwide, to find the best car insurance deals.
Get Your Free Quote- No lengthy forms
- No spam or unwanted calls
- Quotes from trusted insurance providers
