Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Rhode Island Average car insurance cost in Rhode Island In Rhode Island, a full-coverage car insurance policy will cost you an average of $2,706 annually or $225 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in Rhode Island, your monthly cost for full coverage car insurance is $225, which adds up to $2,706 per year. For minimum coverage, expect to pay an average of $63 monthly, or $761 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,706 Average per month cost $225 Average cost for state minimum coverage $954 / Year Cheapest car insurance company Travelers($2,141 / Year) Average cost for young drivers $4,962 / Year Average cost for Senior drivers $2,827 / Year Average car insurance cost in Rhode IslandIf you live in Rhode Island can expect to pay an average of $225 per month for full coverage car insurance – that’s $2,706 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $63 monthly or $761 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in Rhode IslandTravelers has the cheapest rates, at an average annual cost of $2,141 or $178 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.State Farm also stands out for its affordable premiums, with an average cost of $180 per month or $2,162 annually.While these insurance companies have some of the lowest average rates in Rhode Island, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Rhode Island Graph Table Company nameAverage per month costAverage annual costTravelers$178$2,141State Farm$180$2,162Progressive$197$2,369Nationwide$239$2,866American Family$244$2,924GEICO$249$2,982Allstate$265$3,181Amica$274$3,293Farmers$328$3,939USAA*$117$1,399*USAA is only available to military community members and their families.Powered by: Rhode Island car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Rhode Island Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Rhode Island Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$1,359/year Full Coverage$3,170/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in Rhode IslandThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $63 per month, or $761 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Rhode Island, the average cost for full coverage is $225 per month, or $2,706 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$761Liability only$954Full coverage$2,706Non-owner state minimum liability$451Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Rhode Island by citySee rates in your cityEast ProvidenceWarwick Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Rhode Island by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Providence, Central Falls or Cranston, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Newport or Coventry pay significantly low insurance rates, on average between $2,174 and $2,524 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costNewport$2,174Coventry$2,524Cumberland$2,695Woonsocket$2,718Warwick$2,725East Providence$2,937Pawtucket$3,187Cranston$3,229Central Falls$3,314Providence$3,631Powered by:Average car insurance cost in Rhode Island by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Rhode Island for a full coverage policy based on your age and gender.Average car insurance cost in Rhode Island for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Rhode Island pay an average of $7,762 per year for car insurance, while females of the same age pay $6,602.But by the time you turn 25, insurance premiums drop to $3,235 a year on average for male drivers and $3,128 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$7,762$6,60221$5,545$4,59722$4,862$4,26523$4,267$3,87724$3,885$3,630Powered by:Average car insurance cost in Rhode Island for adult driversOn average, an adult male driver in Rhode Island pays $2,733 a year for full coverage or $228 per month. Women pay $2,684 a year or $224 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,235$3,12830$2,891$2,83035$2,787$2,74340$2,723$2,68945$2,674$2,63350$2,573$2,53455$2,493$2,45360$2,524$2,485Powered by:Average car insurance cost in Rhode Island for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,762 per year, while women pay $2,745. But by age 70, average premiums rise to $2,802 for men and $2,785 annually for women. At 75, rates increase even further – $2,949 for male drivers and $2,923 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,762$2,74570$2,802$2,78575$2,949$2,923Powered by:Minimum car insurance requirements in Rhode IslandWhether you’re purchasing a policy for the first time or relocating to Rhode Island, it’s important to understand the state’s liability coverage requirements.Drivers in Rhode Island must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in Rhode IslandInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Subaru Forester has the lowest premium, at an average of $2,236 a year, closely followed by Honda CR-V, with an average annual car insurance cost of $2,251.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumSubaru Forester$2,236Honda CR-V$2,251Honda HR-V$2,252Chrysler Voyager$2,260Volkswagen Tiguan$2,285Subaru Outback$2,288Mazda CX-5$2,312Subaru Crosstrek$2,348Mini Cooper Countryman JCW$2,353Subaru Impreza$2,356Powered by:Most expensive cars to insure in Rhode IslandMercedes-AMG EQS tops the list as the most expensive car to insure in Rhode Island, at an average annual cost of $8,047. Below is a list of the most expensive vehicles to insure in Rhode Island and their average annual premiums.Make ModelAverage annual premiumMercedes-AMG EQS$8,047Maserati Quattroporte$7,799BMW i7$7,536Audi e-tron GT$7,266BMW M8 Gran Coupe$7,153Audi RS7$6,953Maserati Ghibli$6,937Porsche Taycan$6,935Audi RS6$6,899Tesla Model S$6,684Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .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. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in Rhode IslandCheapest car insurance companies in Rhode IslandAverage cost of car insurance by coverage levels in Rhode IslandAverage car insurance cost in Rhode Island by cityAverage car insurance cost in Rhode Island by ageMinimum car insurance requirements in Rhode IslandCheapest cars to insure in Rhode IslandMost expensive cars to insure in Rhode IslandMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330