If you are looking for auto insurance in Rhode Island, knowing how much it will cost is a promising idea. The average premium for car insurance in Rhode Island is $1,839 per year or $153 per month. While the national average is $1,682. There is a difference of $157 more between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Rhode Island, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Rhode Island per month

In Rhode Island, the average premium for car insurance is $153 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Rhode Island, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Rhode Island is USAA Casualty Ins Co. The average annual cost is $964 while the average cost per month is $80. The second-best option available is, State Farm Mutl Automobile Ins, offering insurance at an average per month cost of $92.

The table below lists the other available car insurance companies which offer car insurance in Rhode Island, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
USAA Casualty Ins Co$80$964
State Farm Mutl Automobile Ins$92$1,101
Travelers Home & Marine Ins Co$128$1,530
GEICO General Ins Co$135$1,620
Amica Mutual Ins Co$149$1,792
Main St Am Protection Ins Co$150$1,803
Nationwide General Ins Co$155$1,861
Progressive Direct Ins Co$164$1,973
Allstate F&C Ins Co$234$2,805
Metropolitan Casualty Ins Co$245$2,937

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Rhode Island

The amount of coverage you purchase has an impact on how much car insurance costs in Rhode Island. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Rhode Island is $790.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Rhode Island is $1,839 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Rhode Island, the average annual cost for non-owner state minimum liability only is $578.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $654 per year in Rhode Island.

Coverage limitsAverage annual cost
50/100/50 Liability Only$790
100/300/100 Liability with $500 Comp/Coll Deductible$1,839
Non-Owner State Minimum Liability Only$578
State Minimum Liability Only$654

Average car insurance cost in Rhode Island by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Rhode Island:

CityAverage annual cost
Providence$2,476
Cranston$2,202
Warwick$1,881
Pawtucket$2,150
East Providence$1,979
Woonsocket$1,777
Newport$1,431
Central Falls$2,216

Average car insurance cost in Rhode Island by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Rhode Island is $3,753 while for seniors is $1,991. Here, the rate for young drivers is $1,762 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Rhode Island for young drivers

The average car insurance cost for female young drivers in Rhode Island is $3,479 per year or $290 per month and rate for a male young driver is $4,026 per year or $336 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$7,594$6,351
19$5,246$4,357
20$4,720$3,999
21$3,623$3,127
22$3,188$2,828
23$2,893$2,594
24$2,682$2,433
25$2,263$2,145

Average car insurance cost in Rhode Island for senior drivers

In Rhode Island, the cost of car insurance for senior female driver is $1,988 per year or $166 per month and cost of car insurance for male senior driver is $1,994 per year or $166 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,935$1,929
70$1,986$1,988
75$2,060$2,048

Read more about senior car insurance

Summary of average car insurance cost in Rhode Island
Average annual cost
$1,839
Average per month cost
$153
Average cost for state minimum coverage
$654 / Year
Cheapest car insurance company
USAA Casualty Ins Co
($964/ Year)
Average cost for young drivers
$3,753 / Year
Average cost for Senior drivers
$1,991 / Year
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