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 onMay 20, 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 live in Rhode Island, you can expect to pay an average of around $225 per month for full coverage car insurance, or $2,706 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $63 monthly or $761 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. 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 Island If 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 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: *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 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. Data last refreshed in 2026Powered 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 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 IslandYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Subaru Forester tops the list for cheapest car to insure in Rhode Island at an average cost of $2,236 a year, followed closely by Honda CR-V at $2,251 per year.The table below outlines the vehicles with the lowest insurance costs.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 is one of the most expensive vehicles to insure in Rhode Island, with an average annual cost of $8,047.Below is a list of the costliest vehicles to insure in Rhode Island and their average 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:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.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. You might find interesting Explore related topics Car insurance calculator for teens in Rhode IslandCheapest SR-22 insurance in Rhode IslandDo you need insurance to register a car in Rhode Island?How much is gap insurance in Rhode IslandLow-cost car insurance in Rhode IslandNon-owner auto insurance in Rhode Island: Which company has the cheapest rates?Rhode Island car insurance calculatorRhode Island car insurance: Rates, state minimum requirements and best companiesThe best and cheapest car insurance in Rhode IslandSee more Explore other insurance options in Rhode Island The best and cheapest car insurance in Rhode Island Average renters insurance cost in Rhode Island Average homeowners insurance cost in Rhode Island In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? 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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 1-833-708-5453