Average car insurance cost in East Providence, Rhode Island

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Based on our data, East Providence drivers pay an average of $2,937 annually for car insurance. It’s $231 more than the Rhode Island state average and $424 more than the national average.

Where you live plays a big role in how much you pay for car insurance. Areas with high population density, theft and accident rates tend to have higher premiums.

Comparing car insurance rates in East Providence to state and national averages can help you determine if you’re getting a good deal or if it’s time to explore other options. Below, we outline local trends, rate differences and ways to save.

Cheap car insurance companies in East Providence

Travelers provides the lowest full coverage car insurance rate in East Providence, with an annual premium of $2,310 for the liability limits of $100,000 per person, $300,000 per accident and $100,000 for property damage.

State Farm also offers cheap full coverage car insurance rates at an average annual cost of $2,496.

Every insurance company calculates premiums differently based on its unique underwriting guidelines. This means prices can vary widely, so getting quotes from multiple insurers is one of the best ways to find affordable coverage tailored to you.

The table below shows the average annual and monthly car insurance rates for various car insurance companies in East Providence.

Read about the best car insurance companies.

Average car insurance cost in East Providence by coverage limits

Here’s a breakdown of average car insurance rates in East Providence by coverage type.

• State minimum coverage: $854 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $1,067 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $2,937 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $504 per year

While liability insurance is required in nearly every state to drive legally, the minimum coverage limits differ by state. This coverage protects you financially if you’re responsible for injuring someone or damaging their property in a crash.

Minimum liability insurance only covers damage or injuries you cause to others – it won’t help with your own medical bills or car repairs. You should consider adding collision and comprehensive coverage for adequate protection.

Average car insurance rates by gender in East Providence

Female drivers in East Providence pay about $2,916 per year for car insurance, while male drivers spend $2,959, which is $43 more than what females pay.

Gender is commonly used to calculate premiums in most states, but some states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania, don’t allow insurers to use gender to calculate premiums.

According to the Insurance Information Institute, or Triple-I, women generally demonstrate safer driving habits and are less likely to be involved in severe accidents. Insurers account for this elevated risk, resulting in increased insurance premiums for male drivers.

Read more on how gender affects car insurance rates.

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Average car insurance rates by age in East Providence

Teen drivers in East Providence face the highest car insurance rates, at $11,527 per year or $961 per month. According to the Insurance Information Institute, insurance costs are higher for teens aged 16 to 19 due to their increased risk of accidents and limited driving experience. On average, teen drivers pay $6,039 more for car insurance than young adults.

Car insurance premiums typically drop as teens age and gain more experience behind the wheel. On average, young adults (ages 20 to 24) pay $5,488 annually for coverage – that’s $6,039 less than what teens usually pay.

Adults between 25 and 55 and senior drivers between 60 and 75 in East Providence pay an average of $2,933 and $3,067 per year for car insurance, respectively.

Read more on auto insurance for seniors.

The table below shows the average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in East Providence

Car insurance rates in East Providence saw an upward trend between 2023 to 2025. During this period, average premiums Increased by 30% – a change of about $675.

The graph below tracks insurance costs from 2022 to 2025, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in East Providence are higher than the Rhode Island state average. To find affordable coverage, consider comparing quotes from at least three to five insurers. You can also save by taking advantage of discounts for safe driving, low annual mileage or bundling your policies.

Methodology

Insure.com commissioned car insurance rates in 2025 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.