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 Expect to pay around $2,878 a year, or $240 a month, for full-coverage car insurance in Rhode Island. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.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 onAugust 5, 2026 Why you can trust Insure.com Quality Verified 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. For a deeper dive into our process, see our complete methodology. 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. The average Rhode Island driver pays $2,878 a year, or $240 a month, for full coverage car insurance. Choosing only the state’s minimum liability requirement instead brings that number down to $845 a year, or $70 a month. Since these figures reflect statewide averages, your own quote may land above or below them.A number of variables shape what you’ll actually pay, including your location, age, driving record, credit score, and vehicle type. Insurers additionally weigh risks specific to your state, such as accident frequency, medical and repair costs, theft, and weather exposure. This is one reason urban drivers usually see higher premiums than those in less populated areas. Some factors are within your control, though. A clean driving record, a stronger credit score, bundled policies, and comparing quotes across insurers can all work in your favor to lower your premium. Average annual cost $2,878 Average per month cost $240 Average cost for state minimum coverage $1,039 / Year Cheapest car insurance company Travelers$2,124 / Year Average cost for young drivers $5,358 / Year Average cost for Senior drivers $2,990 / Year 012345 1 of 6 How much does car insurance cost in Rhode Island?On average, Rhode Island drivers pay $240 a month ($2,878 a year) for full coverage, compared to $70 a month ($845 a year) for state minimum coverage.The chart below shows average car insurance rates in Rhode Island across different coverage levels. These are statewide averages, so your own rate may land higher or lower.Liability onlyFull coverageNon-owner state minimum liabilityState minimum liability-only$1,039$2,878$511$845Powered by:What does each coverage type include?State minimum coverage: Meets your state’s legal requirements, covering liability only. It’s the cheapest option, but leaves you with minimal protection in a serious accident.Liability only: Covers damage and injuries you cause to others, but not your own vehicle or injuries.Comprehensive coverage: Pays for damage to your car from non-collision events, like theft, fire, or weather.Collision coverage: Pays to repair or replace your car after an accident, regardless of who’s at fault.Full coverage: Combines liability with comprehensive and collision coverage, protecting your own vehicle too. It costs more, but offers the most complete protection.Non-owners: Built for people who don’t own a car themselves but sometimes drive borrowed vehicles and still want liability protection.See what you’d actually payStatewide averages can only tell you so much. Get a personalized estimate in four quick steps:Enter your vehicle’s yearSelect your stateChoose your vehicle’s makeChoose your vehicle’s modelYou’ll instantly see estimates for state minimum, liability only, and full coverage. 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 Minimum$824/year Liability coverage$1,207/year Full Coverage$3,066/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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Read more about our research standards and methodology. Data last refreshed in 2026Powered by:How to lower your rate in Rhode Island:Get quotes from at least three insurers, since your first quote usually isn’t your cheapest optionBundling your home and auto policies often unlocks a discountAsk your insurer directly what discounts you may qualify forKeep your driving record clean; fewer violations mean lower perceived risk, and a lower rateSkip filing small claims when you can, since paying minor costs yourself can help prevent your rate from climbing How much car insurance coverage do you need in Rhode Island?Drivers in Rhode Island must carry at least the state’s minimum liability coverage. This covers damage you cause to others, but not your own car or medical bills – if you’re at fault in a crash, you’d pay those costs yourself unless you have more coverage.Minimum liability breaks down into two parts:Bodily injury liability pays for others’ medical costs if you injure them. The “per person” limit caps what’s paid for one individual; the “per accident” limit caps the total for everyone.Property damage liability pays to repair or replace others’ property, like their car or a fence.Many drivers choose full coverage instead, which adds comprehensive and collision on top. It costs more, but protects your own vehicle too – from accidents, theft, or weather. If you’re financing or leasing, your lender likely requires it. CoverageMinimum requiredBodily injury liability (per person)$25,000Bodily injury liability (per accident)$50,000Property damage liability$25,000 Powered by: Who has the cheapest car insurance in Rhode Island?Drivers in Rhode Island tend to find the best rates with Travelers, which averages $2,124 a year, or $177 a month, for full coverage with 100/300/100 limits and $500 collision and comprehensive deductibles.State Farm follows closely with affordable premiums of its own, averaging $191 a month, or $2,288 a year.While both insurers rank among the cheapest in Rhode Island, your actual rate depends on your own profile – it’s worth comparing quotes before you decide. Affordable car insurance providers in Rhode Island Graph Table Company GroupAvg. Annual PremiumAvg. Monthly PremiumTravelers$2,124$177State Farm$2,288$191Progressive$2,523$210American Family$2,904$242GEICO$2,906$242Nationwide$3,073$256Amica$3,132$261Allstate$3,195$266Farmers$3,864$322Powered by: Powered by: 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 How much does car insurance cost by city in Rhode Island?Car insurance rates shift noticeably by city across Rhode Island. In Newport and Coventry, drivers pay between $2,328 and $2,697 a year, while Providence, Cranston, and Pawtucket come in well above that.That’s because insurers price risk based on location. Cities with dense traffic, elevated accident rates, or more frequent theft and vandalism carry higher premiums, while quieter, less populated areas with fewer claims tend to stay cheaper.CityAverage annual costNewport$2,328Coventry$2,697Cumberland$2,871Warwick$2,906Woonsocket$2,919East Providence$3,139Central Falls$3,363Pawtucket$3,405Cranston$3,453Providence$3,668Powered 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 ProvidenceWarwickHow does age affect car insurance rates in Rhode Island?Age is one of the biggest factors insurers use to determine how much you pay for coverage. Generally, premiums are highest for teen drivers, drop after age 25, stay relatively stable through adulthood, then rise again once drivers reach their early 70s. That’s because insurers view both very young and older drivers as higher risk – younger drivers due to limited experience, and older drivers due to slower reaction times and changes in vision.Here’s a closer look at what you might pay in Rhode Island based on your age and gender.Car insurance rates for young drivers in Rhode IslandIf 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 $8,260 per year for car insurance, while females of the same age pay $7,017.But by the time you turn 25, insurance premiums drop to $3,550 a year on average for male drivers and $3,344 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$8,260$7,01721$6,049$5,24222$5,369$4,73123$4,598$4,10924$4,274$3,860Powered by:Car insurance rates for adults in Rhode IslandOn average, an adult male driver in Rhode Island pays $2,918 a year for full coverage or $243 per month. Women pay $2,851 a year or $238 per month for the same coverage. Compared to teens who are just starting out and seniors who may have slower reaction times, adults are seen as less risky to insure, which is why their rates are typically lower.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$3,550$3,34430$3,076$2,99535$2,954$2,91940$2,892$2,86545$2,840$2,79350$2,722$2,67955$2,632$2,58960$2,684$2,628Powered by:Car insurance rates for senior drivers in Rhode IslandIf you’re a senior driver, your car insurance costs go up as you age, as insurers see older drivers as higher risk due to factors like slower reaction times and vision changes, which can increase the chance of an accident.At age 65, men pay about $2,915 per year, while women pay $2,892. But by age 70, average annual premiums rise to $2,964 for men and $2,937 for women. At 75, rates increase even further – $3,136 for male drivers and $3,095 for female drivers.Despite rates going up for seniors, 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$2,915$2,89270$2,964$2,93775$3,136$3,095Powered by:Which cars are the cheapest and most expensive to insure in Rhode Island?Subaru Crosstrek is the most affordable vehicle to insure in Rhode Island, at $2,381 a year, while Audi e-tron GT tops the list as the priciest, at $8,945 a year. The vehicle you drive plays a major role in your premium – strong safety ratings, cheaper repairs, and fewer claims all bring costs down, while frequent theft, high repair bills, or higher accident rates push costs up.Cheapest cars to insure in Rhode IslandTopping the list for affordability is Subaru Crosstrek, averaging $2,381 a year, followed closely by Hyundai Venue at $2,406 a year. Here’s a look at the cheapest cars to insure in Rhode Island and their average annual premiums:Make ModelAvg. Annual PremiumSubaru Crosstrek$2,381Hyundai Venue$2,406Chevrolet TrailBlazer$2,418Honda CR-V$2,436Jeep Wrangler$2,442Subaru Outback$2,447Mazda CX-30$2,453Mazda CX-5$2,471Honda HR-V$2,479Chevrolet Express$2,494Powered by:Most expensive cars to insure in Rhode IslandNo vehicle costs more to insure in Rhode Island than Audi e-tron GT, which averages $8,945 a year. Here’s a look at the priciest vehicles to insure and their average annual premiums:Make ModelAvg. Annual PremiumAudi e-tron GT$8,945BMW M5 Touring$8,767BMW M5$8,687BMW i7$7,500Mercedes-AMG C63$7,442Porsche 911 Turbo$7,421Mercedes-AMG GT$7,404BMW M8 Gran Coupe$7,402Mercedes-AMG G63$7,246Mercedes-AMG E53$7,101Powered by:MethodologyTo determine average premiums, Insure.com commissioned Quadrant Information Services for 2026 car insurance data. Our team of data analysts and editors analyzed quotes from 195 insurance companies across 34,595 ZIP codes.Rates are based on a sample profile of 40-year-old male and female drivers driving a Honda Accord LX with a clean driving record and a good insurance score. We gathered quotes across three coverage levels:Full coverage: limits of $100,000 per person for bodily injury, $300,000 per accident, and $100,000 for property damage per accident.State minimum: the lowest coverage your state legally allows.Liability only: limits of $50,000 per person for bodily injury, $100,000 per accident, and $100,000 for property damage per accident.Additionally, we collected average rates for drivers across four age groups:Teen drivers (16-19)Young drivers (20-24)Adult drivers (25-26)Senior drivers (65-75)To compare costs across vehicles, we also analyzed rates for 1,549 make and model combinations, based on a 40-year-old male driver with the same coverage level (100/300/100 limits with a $500 collision/comprehensive deductible), a 12-mile commute, and 10,000 annual mileage.The national average comes to $2,578. These rates are for comparison purposes, and your own rates may vary.Read more about our research standards and methodology.65.7MQuotes reviewed195No. of carriers analyzed34.5KZIP codes analyzed How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How much does car insurance cost in Rhode Island?How much car insurance coverage do you need in Rhode Island?Who has the cheapest car insurance in Rhode Island?How much does car insurance cost by city in Rhode Island?How does age affect car insurance rates in Rhode Island?Which cars are the cheapest and most expensive to insure in Rhode Island?Methodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453