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Jerry Data & Research
The Cheapest Car Insurance for Rhode Island Drivers
The Cheapest Car Insurance for Rhode Island Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Rhode Island.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
What's on this page?
- How to find the cheapest car insurance quotes in Rhode Island
- Cheapest car insurance companies in Rhode Island
- Rhode Island Car Insurance Coverage Requirements
- Rhode Island Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Rhode Island?
- Car Insurance for High-Risk Rhode Island Drivers
- Car Insurance for Rhode Island Drivers With DUI
- Car Insurance for Rhode Island Drivers With a Coverage Laps
- Car Insurance for Rhode Island Drivers With a Low Credit Score
- Rhode Island Car Insurance Cost by Age
- Rhode Island Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Rhode Island Insurance Cost by Zip Code
- How to lower the cost of car insurance in Rhode Island
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Rhode Island
There’s no single car insurance company that offers the cheapest premiums across the board. That’s why it’s in drivers’ best interests to seek out
car insurance quotes
from multiple providers to find the best possible deals for the coverage they need.Conveniently,
Jerry Insurance Agency
allows Rhode Island drivers to find and compare quotes in an instant—and even helps you cancel your current policy and transition to your new one.| Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
January 23, 2025 | Allstate | $164 | Rodney, 27 | Nissan Rogue S | • 50,000/100,000 Liability • Comp / Collision |
January 23, 2025 | Nationwide | $255 | Craig, 39 | Toyota Corolla L | • State Minimum Liability • Comp / Collision |
January 19, 2025 | Safeco | $103 | Francis, 40 | Jaguar XE Premium | • 100,000/300,000 Liability • Comp / Collision |
January 12, 2025 | Travelers | $333 | Hester, 32 | Toyota Highlander | • 50,000/100,000 Liability • Comp / Collision |
January 11, 2025 | National General | $134 | Agnes, 33 | KIA Optima Hybrid | • 15,000/30,000 Liability |
Last Updated Jan 30, 2025Cheapest car insurance companies in Rhode Island
To find out what companies offer the cheapest car insurance rates in Rhode Island, Jerry conducted the nation’s largest insurance shopping survey.
Here’s what we found: There’s no single car insurance company that offers the cheapest rates for every driver across the board—which is why
it pays to shop around
.Of course, the best car insurance companies know that customer satisfaction is just as important as cost.
| Insurance company | Date | City | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|---|
| Allstate | January 29, 2025 | Baton Rouge, LA | 4 | "Rates are high" -Bruce |
| Anchor General | January 29, 2025 | Johnstown, PA | 5 | "They gave me a chance and the coverage is great. I had never heard of rhis company before but gave me a great rate on...(read more)" -Jerry |
| Anchor General | January 27, 2025 | Houston, TX | 4 | "The provider makes it easier to get insured. However increased prices on my insurance has me fuming" -Willie |
| Progressive | January 20, 2025 | Ontario, CA | 5 | "Best affordable insurance !" -Mittie |
| Progressive | January 18, 2025 | Lexington, KY | 5 | "Such a great price, very helpful people. Best insurance I could ask for! " -Claudia |
Last Updated Jan 29, 2025
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The bottom line: Using a
car insurance
comparison app or website is one of the fastest, easiest ways to find cheap rates on car insurance. Jerry offers end-to-end service for car insurance shoppers. With over 100+ licensed insurance agents
, Jerry can help you set up your new policy and cancel your old one once you’ve found the right coverage at the right rate.Minimum car insurance requirements for liability and full coverage in Rhode Island
Like most states, Rhode Island drivers are subject to
minimum car insurance requirements
. Depending on your situation, you may also want to consider full coverage to protect your own vehicle in addition to what’s legally required.Cheapest minimum liability coverage in Rhode Island
Altogether, these liability coverage limits are sometimes referred to as 25/50/25.
Rhode Island also requires
uninsured motorist coverage
in most cases, but you have the option to decline it if you choose a policy with only the minimum liability coverage amounts listed above.Here’s what Rhode Island drivers have paid for minimum liability coverage after shopping with Jerry.
Hester (38 years old)
$204
per month
Do you need more than the minimum liability insurance coverage in Rhode Island?
In most cases, Rhode Island drivers will want to have more than the minimum required 25/50/25 liability coverage.
One major reason is that more severe car accidents can easily exceed these minimum limits—and if you’re found at fault for an accident, you’ll need to cover the rest of the damage costs yourself. For this reason, insurance experts generally recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
A second reason is that liability coverage only covers others’ injuries and damages—not your own. Without additional coverage types, you could be on the hook for covering your own medical costs or damage to your own vehicle.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Rhode Island auto insurance quotes
In order for your auto insurance policy to cover damage to your own car, you’ll want full coverage.
In addition to liability coverage, full coverage adds
comprehensive
and collision coverage
to your policy. Collision insurance covers repair and replacement costs after an accident, while comprehensive coverage covers events other than collisions—like theft, severe weather, or hitting an animal.
Keep in mind: If you have a car loan for your vehicle, know that lenders commonly require you to carry full coverage for the duration of your loan. In fact, they’ll likely require proof of full coverage
before funding your vehicle sale
.| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $209 | Joe, 45 Warren, RI | Nissan Sentra S |
• State Minimum Liability • Comp / Collision | Travelers | $281 | Jean, 44 | Hyundai Sonata GL |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $249 | Paul, 39 | Toyota Corolla L |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $170 | Mable, 35 Smithfield, RI | Audi Q7 Premium Plus |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $164 | Donald, 27 | Nissan Rogue S |
Last Updated Jan 26, 2025Average rates for minimum liability coverage and full coverage car insurance in Kansas
Jerry’s data shows that the average cost of minimum liability coverage in Rhode Island is $191 per month or $2,297 per year. A full coverage policy in Rhode Island has an average annual premium of $5,111, or $426 per month.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $132 | $1,589 |
Full coverage | $140 | $1,685 |
Remember: Reviewing average insurance rates can be helpful as you start your insurance shopping journey, but actual premiums can be highly dependent on individual factors, such as:
- Your location
- Your demographics
- The type of car you drive
- Your driving record
- Your accident and claims history
- The level of coverage you choose
Rhode Island car insurance: Additional coverages
Collision and comprehensive coverage aren’t the only additional coverages you can consider in Rhode Island. These optional coverage types are also available:
If you’re currently paying off a car loan: Consider
gap insurance
, especially for newer vehicles. If your car ends up totaled, gap insurance will cover the remaining balance on your car loan if you owe more than it’s worth.If you routinely borrow someone else’s car and don’t own one yourself: Consider a
non-owner car insurance
policy. This will provide you with the liability coverage you’ll need. Just keep in mind it won’t cover the vehicle itself
since the owner’s policy would need to do this.How Do Different Factors Impact Your Car Insurance Costs in Rhode Island?
How Do Different Factors Impact Your Car Insurance Costs in Rhode Island?
Allowed (with applicable limitations): Age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Rhode Island currently does not allow gender as a rating factor when calculating insurance premiums.
Learn more about the car insurance rating factors in Rhode Island:
Cheapest Rhode Island car Insurance after a driving violation
Your driving history
is a major factor that will affect your car insurance rate. Numerous violations—and especially severe ones—usually deem you a higher risk and can leave you with a more expensive premium.Cheapest car insurance for Rhode Island drivers with a speeding ticket
Speeding tickets
will usually cause your insurance costs to rise in Rhode Island, but some will have more of an impact than others. A ticket for driving 22 mph over the speed limit, for example, will likely result in a steeper rate hike than a speeding ticket for just 3 mph over the speed limit.Here are rates Rhode Island drivers have found through Jerry after receiving a speeding ticket.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Safeco | $125 | Joel, 51 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 11-15 | Safeco | $232 | Olga, 26 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | Safeco | $229 | Alejandro, 31 | • State Minimum Liability • Comp / Collision |
Last Updated Jan 29, 2025Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Fast response to questions, problems solved quickly
John
Switching to National General was SO easy and it saved me over $100/month! I'm so glad I made the switch!
Courtney
Got a decent rate for my Tesla Model S from travelers
Kishore
Safeco has provided great service as my current carrier.
Marcus
How to find cheap Rhode Island auto insurance after a DUI
But some providers may charge you less than others for car insurance moving forward, so shopping around could help you keep insurance costs as affordable as possible.
Take a look at rates Rhode Islanders have found with Jerry after receiving a DUI.
Rhode Island SR-22 insurance
After a serious violation, like a DUI or
reckless driving
, you might become subject to SR-22 requirements
.What this means: Your car insurance provider will need to
file an SR-22
certificate on your behalf to confirm with the state of Rhode Island that you have the required amount of car insurance coverage.While some auto insurance companies won’t offer coverage to SR-22 drivers, others specialize in offering coverage to
high-risk drivers
and can work with you to file your SR-22.Cheapest Rhode Island auto Insurance after an at-fault accident
Your accident history—especially when it comes to at-fault accidents—will play a significant role in determining your car insurance rate, as will any past claims you might have made.
Drivers who have recently had one or more at-fault accidents can often see steep premiums.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $198 | Ruth, 49 Bradford, RI | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $161 | Derek, 45 | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Travelers | $134 | Devin, 72 Warren, RI | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $249 | Steve, 38 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Progressive | $198 | Francis, 49 Bradford, RI | • State Minimum Liability • Comp / Collision |
Last Updated Jan 29, 2025FAQ
Is Rhode Island an at-fault state?
Rhode Island is an at-fault state
: This means that after a collision, the driver determined to be at fault will be considered financially responsible for resulting damages and injuries.In at-fault states, there’s always the risk that an at-fault driver may not have adequate insurance—in which case uninsured/underinsured motorist coverage can provide extra financial protection. Rhode Island car insurance providers must offer at least $25,000 per accident in uninsured/underinsured motorist coverage, but drivers have the option to opt out.
Cheapest auto insurance after other violations in Rhode Island
Different violations will have varying effects on your car insurance costs in Rhode Island.
To get a better sense of how these costs can vary, here’s a look at the rates Jerry users have found for various violations, from careless driving to improper parking.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Cell Phone | Progressive | $757 | Lenora, 21 | Honda Civic SI | • State Minimum Liability • Comp / Collision |
Defective Equipment | Safeco | $93 | Floyd, 37 Warren, RI | Volkswagen Jetta SE | • State Minimum Liability |
Driving on Sus. License | Allstate | $285 | Mattie, 26 | KIA Optima LX | • State Minimum Liability • Comp / Collision |
DUI | Progressive | $138 | Harriett, 30 | Honda Accord LX | • State Minimum Liability |
Failure to Obey Signal | Nationwide | $191 | Juan, 41 | Jeep Compass Sport | • State Minimum Liability |
Illegal Turn | Safeco | $164 | Iva, 32 | Honda Accord EXL | • 50,000/100,000 Liability • Comp / Collision |
Improper Passing | Safeco | $107 | Daniel, 29 | Infiniti G25 | • State Minimum Liability |
Leaving scene of an Accident/Hit and Run | Safeco | $270 | Travis, 30 | Jeep Grand Cherokee Laredo | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | Safeco | $229 | Essie, 31 | Jeep Cherokee Trailhawk | • State Minimum Liability • Comp / Collision |
Speeding Violation-Minor | Nationwide | $181 | Helena, 34 | Toyota Tacoma Double Cab | • State Minimum Liability • Comp / Collision |
Suspension | Travelers | $134 | Milton, 40 | Nissan Altima SE | • State Minimum Liability |
Wrong Way/Wrong Lane | Progressive | $315 | Ruth, 30 | Nissan Maxima S | • State Minimum Liability • Comp / Collision |
Other Minor | Allstate | $167 | Glen, 29 | Nissan Rogue S | • State Minimum Liability |
Last Updated Jan 30, 2025Cheapest Rhode Island auto insurance based on insurance history
Insurers prefer to see policyholders that maintain continuous coverage—so a
lapse in your insurance coverage
could leave you paying more for insurance.To help you keep your insurance policy in good standing, Jerry can send payment reminders and even late payment warnings.
Lucille (79 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$159
per month
Safeco
George (37 years old)
$115
per month
Dollie (34 years old)
$168
per month
Joshua (38 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$339
per month
Georgie (34 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$213
per month
Sophia (38 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$339
per month
Cheapest car insurance for drivers with poor credit
Statistically,
drivers with poor credit
history are considered more likely to file claims, which leads to higher average insurance costs.To save more on your car insurance, you can take steps where possible to strengthen your credit score.
Take a look at rates Rhode Island drivers with varying credit scores have found for car insurance.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $125 | Bertie, 31 | Chevrolet Silverado K1500 LT | • State Minimum Liability • Comp / Collision |
660 - 750 | Safeco | $76 | Lela, 29 | Honda Civic LX | • State Minimum Liability • Comp / Collision |
550 - 659 | Safeco | $164 | Ian, 39 | Volkswagen Taos SE | • State Minimum Liability • Comp / Collision |
< 550 | Progressive | $408 | Douglas, 59 | Dodge Durango GT | • State Minimum Liability • Comp / Collision |
Last Updated Jan 27, 2025Cheapest Rhode Island car insurance by age
Young drivers and those without an
unrestricted driver’s license
pay some of the highest car insurance rates, but after age 19, safe drivers will usually see their premiums decline over time. On average, premium costs start to increase again around age 75.Cheapest Rhode Island car insurance for young drivers
Out of any age group in Rhode Island, teen drivers can expect to pay the most for car insurance.
This is largely due to their increased risk for accidents while they’re still early on in gaining experience behind the wheel.
This also makes full coverage worth considering for young drivers—especially those who are driving newer or more valuable vehicles.
Beatrice (22 years old)
$173
per month
Delia (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$366
per month
Safeco
Alma (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$251
per month
Aspire Advantage
Callie (22 years old)
$90
per month
Cheapest Rhode Island car insurance for senior drivers
Due to an increased risk for accidents, and the likelihood for severe injuries if an accident does happen, car insurance premiums typically start to rise again as you reach your mid-seventies.
Here are some of the rates senior drivers have been able to find with Jerry.
Cameron (65 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$163
per month
Travelers
Lula (73 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Warren, RI$134
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I always shared a good relationship with progressive
Jeffrey
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
I like this insurance a lot
Krista
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason
How to find car insurance discounts in Rhode Island for your motor vehicle
What kind of car you drive has a significant impact on your car insurance costs. Insurers will evaluate your vehicle’s safety, theft risk, repair and replacement costs, and other factors when calculating your premium.
Some of the most popular vehicles in Rhode Island include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Chevrolet Chevrolet_silverado_c1500 | Nationwide | $78 | Fanny, 40 | • State Minimum Liability • Comp / Collision |
| Ford Ford_f-150_heritage_classic | Allstate | $64 | Harry, 39 | • 50,000/100,000 Liability |
Last Updated Jan 30, 2025Is it cheaper to insure a new car or a used car?
Generally, newer cars cost more to insure than older ones. This is because their replacement cost is higher in the event of an accident and they may be more appealing targets for theft.
Used cars, on the other hand, typically have a lower overall value, resulting in cheaper insurance premiums since the cost to the insurance company for a total loss is less.
Eula (36 years old)
$284
per month
Safeco
Gilbert (33 years old)
$161
per month
Travelers
Leonard (43 years old)
$320
per month
How to find cheap car insurance in Rhode Island in your city
Among other factors, car insurance providers will consider where your car is kept to determine insurance costs.
Your city’s population density, crime rates, accident rates, and weather trends all affect what sorts of risks your vehicle may be exposed to. Even within the same city, different zip codes may have different rate trends.
Drivers who are able to keep their vehicles in a locked garage, where the vehicle is protected from tampering and the elements, can often see lower insurance rates.
Here’s what rates for some Rhode Island drivers look like across the state.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Providence, RI | Gertrude, 25 | Progressive | $153 | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
| Providence, RI | Owen, 27 | Allstate | $164 | Nissan Rogue S | • 50,000/100,000 Liability • Comp / Collision |
| Johnston, RI | Ruby, 39 | Nationwide | $249 | Toyota Corolla L | • 50,000/100,000 Liability • Comp / Collision |
| Pawtucket, RI | Della, 42 | Travelers | $105 | Chrysler 200 Limited | • 20,000/40,000 Liability • Comp / Collision |
| Coventry, RI | Eugenia, 40 | Safeco | $103 | Jaguar XE Premium | • 100,000/300,000 Liability • Comp / Collision |
| Coventry, RI | Jeff, 33 | National General | $134 | KIA Optima Hybrid | • 15,000/30,000 Liability |
| Providence, RI | Lela, 26 | Embark General | $87 | KIA Forte EX | • 20,000/40,000 Liability |
| Central Falls, RI | Maggie, 22 | Aspire Advantage | $90 | Nissan Leaf S | • 15,000/30,000 Liability |
| Providence, RI | Willie, 28 | Dairyland | $86 | Honda Accord LX | • State Minimum Liability |
Last Updated Jan 29, 2025How to lower the cost of car insurance in Rhode Island
Courtesy of Jerry’s licensed insurance agents, here are several ways you could save on your Rhode Island car insurance costs:
- Shop around and compare quotes.
- Bundle your car insurance with home insuranceor renters insurance to get a discount.
- Find out whatinsurance discountsyou’re eligible for—like good student discounts, safe driver discounts, or responsible payer discounts.
- Take steps to boost your credit score.
- Increase your deductible for your comprehensive and collision coverage (just be sure you can cover the out-of-pocket cost).
- Consider dropping collision and comprehensive coverage on older, low-value cars.
Why is car insurance so expensive in Rhode Island?
For all the factors determining your car insurance costs that are within your control, there are plenty outside of it. Your Rhode Island car insurance rate might be affected by:
- Your city’s population density
- Local accident and crime rates
- Rising repair costs
- Uninsured drivers
- Healthcare costs
- Severe weather risks
FAQs
Do you need car insurance in Rhode Island?
Yes. Rhode Island requires all drivers to carry insurance in accordance with state minimums to drive legally.
What is the best and cheapest insurance for a car in Rhode Island?
Since car insurance rates are based on a multitude of factors that can be highly specific to an individual, there’s no single car insurance provider that will offer the best service or the cheapest rates for everyone. To find savings on car insurance, it’s a good idea to seek out multiple quotes and compare your options.
Who has the cheapest car insurance in Rhode Island?
Jerry’s survey of 15,000+ auto insurance policyholders shows that there’s no insurance provider that will offer the cheapest rates for everyone across the board.
That’s why comparing multiple car insurance quotes is one of the best ways to find savings on car insurance in Rhode Island.
What car insurance is required in Rhode Island?
Drivers in Rhode Island are legally required to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as at least $25,000 in property damage liability. These liability limits are sometimes referred to as 25/50/25.
Rhode Island also requires uninsured/underinsured motorist coverage in most cases, but you have the option to decline it if you choose a policy with only the minimum liability coverage amounts listed above.
Is it illegal to not have car insurance in Rhode Island?
Yes. Driving without car insurance is illegal in Rhode. It’s also illegal to have a vehicle registered with the state that is not also covered with adequate insurance for its purposes.
If you own a vehicle in Rhode Island that you don’t often drive, but you have it registered, you should check out the costs for
parking or storage insurance
or classic car insurance
if it’s a collector vehicle. Jerry can get you the best price for both!How much is car insurance for an 18-year-old in Rhode Island?
The average cost of insurance for an 18-year-old in Rhode Island is ${dynamic} per year for liability coverage or ${dynamic} per year for a full-coverage policy. Your premiums may be higher or lower than this average depending on myriad factors, including the type of car you drive, where you live, your driving habits, and more.
What is the minimum car insurance in Rhode Island?
Drivers in Rhode Island are legally required to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as at least $25,000 in property damage liability. These liability limits are sometimes referred to as 25/50/25.
Rhode Island also requires uninsured/underinsured motorist coverage in most cases, but you have the option to decline it if you choose a policy with only the minimum liability coverage amounts listed above.
Why is car insurance so expensive in Rhode Island?
Rhode Island’s insurance premiums tend to be significantly higher than the national average due to several factors, including:
- Heavily populated urban areas
- Higher-than-average highway traffic
- Higher-than-average number of uninsured motorists
What increases car insurance rates in Rhode Island?
Rhode Island's busy highways, densely populated urban areas, and high concentration of uninsured motorists tends to drive up average insurance rates across the board. Your individual RI insurance premiums could increase based on:
- Your driving history
- Where you live
- The car you drive, and more
Does car insurance check your credit in Rhode Island?
Car insurance providers in Rhode Island may check your credit history when calculating the cost of your premium. The stronger your credit score, the lower the rate you’ll likely see.
Does insurance follow the car or the driver in Rhode Island?
In Rhode Island, insurance typically follows the car instead of the driver. However, to ensure you’re covered in whatever situation in which you find yourself driving, be sure to check with your provider.
How much is car insurance in Rhode Island?
The average cost for minimum liability insurance coverage in Rhode Island is $191 per month or $2,297 per year.
The average cost for full coverage car insurance in Rhode Island is $5,111 per year.
However, your own insurance costs will vary based on numerous factors, like the type of car you drive, where it’s kept, your driving record, and your own demographics. To find the cheapest rate possible, it’s best to shop around for multiple car insurance quotes.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.