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Car insurance in Rhode Island

How to get cheap car insurance in Rhode Island

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How much is car insurance in Rhode Island?

When it comes to car insurance, Rhode Island requires drivers to carry a policy to legally drive on its roads. And you’ll want to find a policy that works for your needs at a rate that fits your budget. Read on to learn about car insurance in Rhode Island, from rules and regulations to getting the best rates possible.

Rhode Island

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,800

Average annual car insurance cost

60

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare Rhode Island car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Progressive$212,54122.0%
Geico$119,21212.30%
Amica$110,96111.50%
Allstate$103,89010.80%
USAA$67,0197%
Liberty Mutual$65,2386.85
MetLife$51,0655.30%
Nationwide$49,4895.10%
MAPFRE$44,3954.60%
American Family$26,9172.80%

How to get cheap car insurance in Rhode Island

Like most states in the US, Rhode Island requires its drivers to carry liability insurance. But it also requires a handful of other types of coverage, like uninsured motorist insurance and personal injury protection. These requirements can increase the cost of coverage for a lot of this state’s motorists.

Average car insurance costs in Rhode Island

Drivers in Rhode Island tend to pay around $1,800 annually, which is significantly above the national average of $1,200 to $1,300. These higher rates reflect the high amount of coverage required by law.

The most expensive areas to insure a car can be found in big cities like Providence, given the additional risk for car accidents, vandalism and theft. In small towns and rural areas of the state, you’re likely to find lower insurance rates because the risk of damage to your car is lower.

However, if you take the time to shop around before signing up with an insurance provider, you could end up paying less than the state average for your car insurance policy.

Cheapest car insurance in Rhode Island

Which city has the cheapest car insurance in Rhode Island?

Of Rhode Island’s largest cities, Cumberland has the cheapest rates and Providence has the most expensive car insurance rates. Providence drivers could face rates 3 times more than Cumberland drivers.

Car insurance quotes in Pawtucket

CompanyAnnual car insurance rate
Allstate$2579
Metromile$1828
Progressive$1730
Geico$2362
StateFarm$1205

Car insurance quotes in Woonsocket

CompanyAnnual car insurance rate
Allstate$1977
Metromile$1364
Progressive$1205
Geico$1704
StateFarm$1205

Car insurance quotes in Cumberland

CompanyAnnual car insurance rate
Allstate$2250
Metromile$1583
Progressive$1090
Geico$1752
StateFarm$1205

Car insurance quotes in Cranston

CompanyAnnual car insurance rate
Allstate$2730
Metromile$1875
Progressive$1475
Geico$2345
StateFarm$1205

Car insurance quotes in Providence

CompanyAnnual car insurance rate
Allstate$3102
Metromile$2174
Progressive$2089
Geico$2822
StateFarm$1268

State minimum requirements in Rhode Island

To legally drive in Rhode Island, you’ll need insurance that includes at least:

  • $25,000 bodily injury per person per accident
  • $50,000 bodily injury for all persons per accident
  • $25,000 property damage liability

Two other types of coverage that are typically optional in other states but among the requirements for Rhode Island:

  • $25,000/$50,000 uninsured/underinsured motorist coverage.
  • $25,000 uninsured motorist property damage.

Can I get SR-22 insurance in Rhode Island?

Yes. Your insurance provider might file an SR-22 in Rhode Island on your behalf if you’re convicted of a DUI, have a lapse in your car insurance coverage or accumulate too many violation points on your driving record.

Bottom line

Getting the right car insurance can protect you, your passengers, your vehicle and everyone else on the road. Rhode Island requires a minimum standard of auto insurance coverage. And by shopping around and comparing your options, you can find a policy that works for you at a reasonable rate.

To learn more about insuring your car, from rules and regulations to better rates and policy options, read our comprehensive guide to auto insurance.

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Frequently asked questions about car insurance in Rhode Island

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