Car Insurance in Rhode Island

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  • Here’s what Jerry customers are paying for car insurance in Rhode Island.
  • How much does it car insurance cost in Rhode Island?
  • How much does it car insurance cost in Rhode Island?
  • How much does car insurance cost in your city?
  • How Much is Car Insurance in Rhode Island?
  • Real Quotes for Jerry Customers in Rhode Island
  • The Cheapest Car Insurance in Rhode Island
  • Most Popular Insurance Companies in Rhode Island
  • Cost to Insure Different Cars in Rhode Island
  • Car Insurance Laws in Rhode Island
  • What Car Insurance Is Required by Law in Rhode Island?
  • Can You Drive a Car without Insurance in Rhode Island?
  • What Are the Minimum Car Insurance Requirements in Rhode Island?
  • Car Registration Information in Rhode Island

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annually Premium: $2,461.21
annually Premium For FullCoverage: $3,304.29
national Annually Premium For BasicCoverage: $1,691.02
national Annually Premium For FullCoverage: $2,448.31
annually Premium For 18: $4,495.83
annually Premium For 35: $1,988.62
difference Between 18And35: 126.08%

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Here’s what Jerry customers are paying for car insurance in Rhode Island.

Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
August 11, 2020Honda Accord SportPawtucket38
Metlife
Basic$230$89
April 7, 2021Lexus RX 350Coventry39NationwideCustom$183$99
March 27, 2021Honda Accord EXWarren70TravelersPredicted$190$134
May 30, 2021Hyundai Sonata SportWoonsocket29AllstateCurrent$200$138
July 19, 2021Honda Accord EXPawtucket24SafecoCustom$193$165

How much does it car insurance cost in Rhode Island?

All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
RI$2,849$1,852$2,762$1,448$5,040$4,200
National Average$2,524$1,697$2,409$1,430$2,840$2,029

How much does it car insurance cost in Rhode Island?

Insurance Company
Before Jerry
After Jerry
Travelers$2,334$1,887
Nationwide$3,895$2,266
Safeco$3,877$2,550
Allstate$4,019$2,607

How much does car insurance cost in your city?

City
Before Jerry
After Jerry
Pawtucket$3,811$2,658

BELOW ARE OLD CONTENT
Looking for car insurance in Rhode Island? Here you’ll find all the information you need on driving a car in The Ocean State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Providence or Cranston, Warwick or Pawtucket — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Rhode Island car insurance.

How Much is Car Insurance in Rhode Island?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Rhode Island, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Rhode Island pay ${averageAnnualPremium} each year for car insurance. This means drivers in Rhode Island pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in Rhode Island? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Rhode Island, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry Customers in Rhode Island

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
January 2, 2021
  • Hyundai Santa Fe Sport
40 year old maleProgressive$101.17$128.83Basic
December 15, 2020
  • Volvo Xc70
27 year old femaleSafeco$81.83$51.18Preferred
December 6, 2020
  • Subaru Forester 2.5x Ll Bean
34 year old maleProgressive$147$490Basic
December 5, 2020
  • Toyota Corolla Le
32 year old femaleProgressive$63$164Basic
December 10, 2020
  • Volkswagen Jetta 2.5 Option Package 1
29 year old maleProgressive$71.67$102.33Basic

The Cheapest Car Insurance in Rhode Island

Which companies offer cheap car insurance in Rhode Island? Below, we’ve ranked Rhode Island car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in Rhode Island for Basic Coverage

There’s all kinds of auto insurance you can get in Rhode Island, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Rhode Island. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Rhode Island, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Rhode Island

Filters
RankCompany nameAvg. Annual Premium
1Safeco$1,232
2Progressive$1,300
3Nationwide$1,775
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Not in Rhode Island?

Real Jerry Quotes for Basic Coverage in Rhode Island

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
December 17, 2020
  • Toyota Tacoma Double Cab
  • Toyota Rav4 Adventure
36 year old maleProgressive$68.50$89.50
January 18, 2021
  • Chevrolet Trailblazer Ls
23 year old femaleProgressive$125.50$324.50
February 7, 2021
  • Toyota Sequoia Limited
  • Land Rover Range Rover Sport Hse
  • Ford F350 Srw Super Duty
25 year old femaleProgressive$159.50$90.50
November 26, 2020
  • Lexus Es 350
  • Lexus Rx 350 Base
  • Jeep Cherokee Limited
  • Jeep Grand Cherokee Laredo
71 year old maleProgressive$84.83$115.17
December 25, 2020
  • Nissan Rogue S
32 year old maleProgressive$53$27

Average Cheapest Car Insurance for Standard Plans in Rhode Island

Most drivers will want more than the basic minimum coverage that Rhode Island requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Rhode Island, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Rhode Island

Filters
RankCompany nameAvg. Annual Premium
1Safeco$2,045
2Progressive$2,316
3Nationwide$2,943

Real Jerry Quotes for Standard Coverage in Rhode Island

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
January 20, 2021
  • Volvo Xc70
27 year old femaleSafeco$70.49$62.51
February 5, 2021
  • Jeep Liberty Sport
45 year old femaleProgressive$62.33$123.67
January 28, 2021
  • Chevrolet Malibu 2lt
26 year old femaleSafeco$169.18$182.31
January 13, 2021
  • Honda Accord Ex
  • Buick Lucerne Cxl
30 year old maleProgressive$182.83$17.17
January 5, 2021
  • Hyundai Tucson Se
27 year old femaleProgressive$175$37

Cheapest Car Insurance in Rhode Island for Preferred Coverage

Preferred coverage protects Rhode Island drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Rhode Island, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Rhode Island

Filters
RankCompany nameAvg. Annual Premium
1Safeco$2,258
2Progressive$2,337
3Nationwide$3,203

Real Jerry Quotes for Preferred Coverage in Rhode Island

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
December 23, 2020
  • Ford Fusion Se
28 year old maleNationwide$169.93$381.08
February 15, 2021
  • Lincoln Aviator
49 year old femaleSafeco$244.28$163.72
January 29, 2021
  • Honda Pilot Exl
38 year old femaleProgressive$216.67$75.33
December 15, 2020
  • Volvo Xc70
27 year old femaleSafeco$81.83$51.18
February 5, 2021
  • Toyota Corolla L
43 year old maleSafeco$133.60$116.40
Insurance companyAverage annual premium in Rhode Island
Progressive$1,956.91
Safeco$2,776.42

Cost to Insure Different Cars in Rhode Island

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Rhode Island drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Rhode Island. And you can use our table of real quotes from Jerry customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
December 6, 2020
  • Buick Rendezvous Cx
29 year old maleNationwide$84.42$171.58Basic
February 5, 2021
  • Hyundai Santa Fe Se
47 year old maleNationwide$76.43$143.58Basic
February 12, 2021
  • Nissan Altima 2.5
23 year old maleSafeco$174.77$225.23Basic
December 26, 2020
  • Volkswagen Jetta Se
24 year old femaleSafeco$170$123Standard
December 24, 2020
  • Nissan Rogue S
58 year old maleProgressive$57.50$130.50Basic
January 17, 2021
  • Aston Martin Db9 Volante
40 year old maleNationwide$167.18$82.82Standard
November 29, 2020
  • Kia Optima Ex
21 year old maleSafeco$218.26$181.74Preferred

Car Insurance Laws in Rhode Island

Tourists visit Rhode Island all year round, snapping pictures of the largest bug in the world in Providence and visiting Cogswell Tower in Central Falls. Areas that are normally low-traffic become plugged up by visitors that can slow down commuters and get in the way of resident motorists. Unfortunately, when traffic volumes spike, car accidents increase as well, and insurance premiums are sure to follow.
Nearly all states have laws that predicate how much car insurance each driver needs to have, and Rhode Island is no different. If you live and drive in Rhode Island, here’s what you should know about the minimum auto insurance coverage requirements.

What Car Insurance Is Required by Law in Rhode Island?

In order to register a car with the state of Rhode Island, resident drivers first need to secure at least a base amount of auto insurance to legally operate their vehicle. Proof of insurance or financial responsibility needs to be carried that shows you have, at minimum: Bodily Injury Liability (BIL) and Property Damage Liability (PDL) coverage.
As a so-called “tort state,” Rhode Island is not a no-fault state when it comes to car accidents, so Personal Injury Protection (PIP) insurance isn’t offered. If a driver were to be found at fault in a car accident, no matter how serious, someone injured in the accident could file a lawsuit for medical bills and damages against them. However, BIL coverage is intended to cover the other parties’ injuries up to the maximum on the policy and can pay for things like medications, ambulance rides, and even lost wages.
PDL coverage is also mandatory in Rhode Island and is similar to BIL coverage, except its purpose is to pay for property damage to inanimate objects as a result of the accident. That could be other cars or objects you hit with your car like a house, utility pole, or fence. PDL does not necessarily cover your personal vehicle’s damage, however.
Minimum coverage amounts are just that: minimums. Often they are insufficient to cover all the damage caused in an accident, in which case you can be taken to court by the other driver to recoup their costs. Or, if the other party is at fault but is not adequately insured, additional types of optional coverage can help mitigate those circumstances. You may want to consider uninsured motorist coverage and underinsured motorist coverage. Of course, collision and comprehensive coverage are suggested but not required either.

Can You Drive a Car without Insurance in Rhode Island?

Residents of Rhode Island cannot drive legally unless they have purchased a policy from an insurer licensed to do business in the state. An insurance card must be in the vehicle with the driver and produced if requested by law enforcement. Driving without proof of insurance can result in a fine of up to $500 and a license suspension up to three months for the first offence, with subsequent offences carrying a fine of up to $1,000 and a 12-month suspension.
If you get into an accident and are uninsured at the time, you could face penalties including impoundment of your registration and plates, suspension of your driver’s license, and a record of a violation as part of your permanent driving record in Rhode Island.

What Are the Minimum Car Insurance Requirements in Rhode Island?

Certain amounts of insurance must be maintained continuously for all registered vehicles in Rhode Island if you wish to drive. This is a legal requirement that provides protection for you as a driver and any other people or property that could be involved in a car accident.
To ensure you are legally able to drive in the state of Rhode Island, the following minimum coverage amounts are mandatory.
Minimum Insurance Requirements in Rhode Island
  • Bodily injury liability per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000

Car Registration Information in Rhode Island

Minimum auto insurance coverage is one thing, but Rhode Island drivers also need to make sure their vehicle is registered in the state. For vehicles coming from out of state, you must obtain registration within 30 days of moving to Rhode Island.
License plates are issued whenever a new vehicle registration is accepted. In order to complete an initial registration, you must provide:
  • Current insurance information
  • Sales Tax form
  • Original title for the car with the vehicle identification number (VIN)
  • The bill of sale
  • Gross Vehicle Weight
  • Your driver’s license or ID card
  • Manufacturer’s Statement of Origin (for new cars only)
Registering a vehicle in Rhode Island has a lengthy application form but the process is straightforward. New registrations must either be completed in person at the Rhode Island DMV, or they can be mailed into the DMV with documents notarized. Registration renewals can be processed online in minutes, at an AAA office (for AAA members only), by mailing them to the DMV, or by placing the renewal form and fees in drop boxes at a DMV branch. The initial registration fee is calculated based on the vehicle weight and can be paid quarterly or annually. Renewals can be performed annually or for a two-year period.
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