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


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

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

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Our top pick: Progressive

Choose from a long list of discounts and coverage for almost any driver.

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Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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Choose from a long list of discounts and coverage for almost any driver.
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Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
Liberty Mutual
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Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
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Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.

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Most popular Rhode Island auto insurance companies list

CompanyDirect premiums written (billions)Market share
Liberty Mutual$65,2386.85
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

Car insurance quotes in Woonsocket

CompanyAnnual car insurance rate

Car insurance quotes in Cumberland

CompanyAnnual car insurance rate

Car insurance quotes in Cranston

CompanyAnnual car insurance rate

Car insurance quotes in Providence

CompanyAnnual car insurance rate

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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