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Rhode Island drivers pay an average of $1,500.31 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $125.03 per month. Rhode Island drivers pay about 26% more than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Rhode Island car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$1,500.31

At-fault state

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

Rhode Island state minimum car insurance requirements

Drivers in Rhode Island are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/25, but we’ll break down what that means.

    Bodily Injury Liability

    Rhode Island bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    Rhode Island requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Rhode Island property damage liability

    • $25,000 property damage liability

    Rhode Island requires drivers to carry $25,000 of property damage liability to legally drive. This is the highest required property damage limit across the US, with 17 other states requiring this amount.

    This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    Rhode Island uninsured or underinsured motorist

    • $25,000 uninsured or underinsured motorist bodily injury per person
    • $50,000 uninsured or underinsured motorist bodily injury per accident
    • $25,000 uninsured property damage per accident

    Rhode Island is an opt-out state for uninsured or underinsured motorist coverage. This means that every insurance company has to include this coverage in every policy, but you can choose to remove it. However, uninsured motorist bodily injury coverage is required if you buy more than the state minimum 25/50 bodily injury liability requirements.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for your car’s damage or medical bills to you and your passengers.

    State minimum coverage usually isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Rhode Island, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    In Rhode Island, the driver at fault pays for damage

    Rhode Island is an at-fault state, meaning that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the circumstances.

    However, Rhode Island also considers whether both drivers are partially at fault under a law called pure comparative fault, according to the legal website Nolo. Under this law, both drivers pay for the percentage of damage that they cause.

    For example, if you’re 80% responsible for an accident, your insurance pays 80% of the other driver’s damages. The other driver’s insurance pays 20% of your damages.

    Cheapest rates by age in Rhode Island

    Young drivers under 25 will pay a pretty penny for car insurance in Rhode Island. You’ll want to look at online-based companies like Geico and Esurance to find the best deal.

    Geico also serves as the cheapest company for most other ages, according to this sample.

    AgeEsuranceProgressiveGeicoLiberty Mutual
    16-24$298.43$341.62$290.33$317.82
    25-34$244.14$203.06$166.17$318.97
    35-44$207.12$189.15$173.81$147.46
    45-54$183.94$193.82$158.62

    Cheapest rates by gender in Rhode Island

    Again, Geico stands as the cheapest company for both men and women. However, men can expect to pay around $14 more per month than women, based on this price analysis.

    CompanyEsuranceProgressiveGeicoLiberty Mutual
    Men$261.54$226.65$181.92$268.07
    Women$224.68$216.17$167.20$238.18

    Sample rates in Rhode Island from major car insurance companies

    By far, Geico brings the lowest rates across the board in Rhode Island, costing as much as $76 less per month than competitors.

    We base this information off of sample quotes from Savvy.

    CompanyEsuranceProgressiveGeicoLiberty Mutual
    Rate$240.47$220.83$173.89$250.13

    7 factors that affect car insurance rates in Rhode Island

    Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Rhode Islander’s rating factors to keep in mind.

    FactorHow it affects your rates
    Age

    Age

    How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
    Gender

    Gender

    Rhode Island takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
    Location

    Location

    Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

    Rhode Island vehicle theft rates stand at 142.7 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s well below the national average of 246 vehicle thefts per 100,000 inhabitants.

    As for uninsured drivers, 16.5% of Rhode Islanders on the road are uninsured. That’s more than average for the percent of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

    Vehicle and mileage

    Vehicle and mileage

    Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

    Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

    And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Rhode Islanders drive an average of 26.3 miles per day, that’s below the average across the US of 36.1 miles per day.

    Credit score

    Credit score

    Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

    Rhode Island drivers have protections under state laws that regulate the use of credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

    Coverage

    Coverage

    The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
    Driving Record

    Driving Record

    The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Rhode Island can increase your rate by around 25%. These types of violations typically stay on your record for about three years.

    What if I need SR-22 insurance in Rhode Island?

    An SR-22 is a form that proves you’re meeting Rhode Island’s minimum liability insurance requirements. Rhode Island typically requires that you carry SR-22 insurance for around two to three years, depending on the violation(s). The state will contact you if you’re required to file an SR-22, and typically, it’s required for drivers with multiple violations or those charged with a DUI. Learn more about SR-22 insurance in Rhode Island.

    Coverage we recommend for Rhode Island drivers

    The purpose of your car insurance is to help you recover financially after a car accident. While your state requires a minimum level of coverage, in most cases it won’t be enough to keep you from out-of-pocket costs. Consider increasing your required coverage and adding optional types of coverage that may be worth the extra cost for you, including:

    Higher liability limits

    Rhode Island requires 25/50/25 for liability coverage, which is typical among the states. However, this is a low amount of protection if you end up paying someone else’s medical bills and property damage. You need higher protection in most cases, especially if another driver takes you to court. Talk with your insurance agent to weigh how much out-of-pocket costs your budget can afford after an accident. You’ll want to set liability limits that balance your monthly budget and offer the coverage you need to protect your assets.

    Collision

    For accidents where you’re at fault, your collision coverage pays for your own car’s damage — if you buy this optional coverage. Otherwise, repairs to your own vehicle could cost you out of pocket.

    Remember that your required liability coverage doesn’t pay for your car damage. Instead, it pays for damage to someone else’s property.

    Consider collision coverage if . . .

    • Your car loan requires it.
    • It costs less than your car’s value.
    • You can’t pay for car repairs or another car out of pocket.
    • You drive your car regularly, such as for commuting.

    Comprehensive

    Rhode Island sees a less-than-average amount of vehicle thefts compared to other states. Though depending on the theft rates surrounding the type of car you drive, you may still be at risk for car theft. Adding comprehensive coverage to your policy means you’re covered for the outright theft of your vehicle, plus any damages that might occur during a break-in.

    The possibility of tidal flooding, high winds and coastal flood events also make this coverage more appealing for Rhode Island drivers, since the coverage can kick in to cover damages from harsh weather, falling tree branches or animals.

    Consider this coverage if . . .

    • It’s required for your car loan.
    • You can’t repair or replace your car out of pocket.
    • Your area has a high risk of theft or serious storms.

      Roadside assistance

      Though Rhode Islanders tend to drive less than the average miles per day, adding on roadside assistance offers the peace of mind that if you’re stuck on the side of the road you’ll have access to dependable help. This coverage gives you a dedicated customer service number to call if your car breaks down, with features like tire changes, towing or fuel delivery.

      Consider this coverage if . . .

      • You rely on your car to get around.
      • You own an older or less reliable vehicle.
      • You don’t have roadside assistance through your car warranty.
      • You’d rather not research service providers on your own after a breakdown.

      Top 10 auto insurance companies in USA that serve Rhode Island

      We’ve pulled the top 10 companies by market share that offer coverage in Rhode Island according to S&P Global. Compare top companies by three major rating agencies along with our overall score.

      • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
      • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
      • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
      • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
      Provider
      BBB Rating
      JD Power Rating
      NAIC complaint ratio
      National market share %
      Finder score
      Go to site
      State Farm
      A+
      847/1000
      1.93
      16.2

      ★★★★★ 4/5

      Read review

      Geico
      A+
      832/1000
      1.42
      13.6

      ★★★★★ 4/5

      Read review

      Progressive
      A+
      830/1000
      1.05
      13.3

      ★★★★★ 4/5

      Get Quotes
      Allstate
      A+
      827/1000
      2.71
      10.4

      ★★★★★ 4/5

      Read review

      USAA
      A+
      884/1000
      1.9
      6.3

      ★★★★★ 4/5

      Get Quotes
      Farmers
      A-
      820/1000
      1.64
      4.9

      ★★★★★ 4/5

      Read review

      Liberty Mutual
      A+
      827/1000
      2.2
      4.7

      ★★★★★ 4/5

      Get Quotes
      Nationwide
      A+
      814/1000
      2.08
      2.3

      ★★★★★ 4/5

      Read review

      Travelers
      A+
      820/1000
      3.28
      2

      ★★★★★ 4/5

      Read review

      The Hartford
      A+
      833/1000
      NR
      0.7

      ★★★★★ 3.5/5

      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

      Compare car insurance providers in Rhode Island

      Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
      Progressive
      loan/lease coverage
      Yes
      Snapshot
      Yes
      All 50 states & DC
      Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
      The Zebra
      Yes
      Yes
      Yes
      Yes
      All 50 states
      USAA
      No
      Yes
      SafePilot
      Yes
      All 50 states & DC
      Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
      Liberty Mutual
      Yes
      Yes
      RightTrack
      Yes
      All 50 states & DC
      Earn free accident forgiveness after five years claims-free and customize your policy anytime.
      Bankrate
      Bankrate
      Yes
      Yes
      Yes
      Yes
      All 50 states
      Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
      Quinstreet - Insure.com
      Quinstreet - Insure.com
      Yes
      Depends on provider
      Depends on provider
      Depends on provider
      All 50 states
      loading

      Compare up to 4 providers

      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.

      Frequently asked questions about car insurance in Rhode Island

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