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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMarch 11, 2026 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 012345 1 of 6 Average car insurance cost in Rhode IslandIf you’re a resident of Rhode Island, full coverage car insurance typically costs about $225 per month, adding up to $2,706 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $63, or $761 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in Rhode IslandTravelers provides the lowest full coverage rates, for an average cost of $2,141 per year or $178 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.State Farm also offers affordable insurance coverage to Rhode Island drivers at an average cost of $2,162 a year or $180 per month.Although these insurers offer some of the most affordable average rates in Rhode Island, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: *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? Select 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 IslandYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $63 a month, or about $761 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Rhode Island pay around $225 per month, or roughly $2,706 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.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 ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Rhode Island, based on age and gender.Average car insurance cost in Rhode Island for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Rhode Island pays an average of $7,762 annually for car insurance, compared to $6,602 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $3,235 per year for male drivers and $3,128 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 driversAn adult driver aged 25-60 in Rhode Island pays $2,733 annually for full coverage, or around $228 each month. Women in the same age group pay $2,684 per year or $224 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,762 annually, while women pay $2,745.By 70, average rates go up to $2,802 for men and $2,785 for women. At age 75, costs increase further, reaching $2,949 for men and $2,923 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping 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 buying insurance for the first time or moving to a new state, understanding the required liability limits in Rhode Island can help you avoid fines and make smarter choices about your coverage.Drivers in Rhode Island must carry at least the following minimum coverage limits to meet the state’s legal requirements: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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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