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No. 4 Most Expensive: Rhode Island

Rhode Island car insurance rates

Average rate: $1,848

Average rate for the top-selling vehicle in the country first quarter of 2017 F-150 XL: $1,785

Average rate for the top-selling SUV in the country first quarter of 2017 Nisan Rogue S: $1,766

Average rate for the top-selling sedan in the country first quarter of 2017 Toyota Camry LE: $2,017

The high cost of auto repairs and the amount of motorists driving without insurance appear to be the biggest reasons for high car insurance rates in Rhode Island. CarMD found in 2016 that Rhode Island had the third highest costs of repairs in the country.  

A report by Property Casualty Insurers Association of America (PCI) said that over the last decade, the average insured collision claim cost in Rhode Island grew 15 percentage points faster than the average of six nearby states. 

It’s estimated by the IRC that 17 percent of Rhode Island drivers are uninsured. This is the eighth highest in the nation. For comparison, Massachusetts has the lowest rate of uninsured drivers at 3.9 percent. Uninsured drivers drive up the cost of car insurance for law abiding motorists that carry coverage.

Rhode Island’s annual average rate of $1,848 is 40 percent over the national average.

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