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25 Years of insurance experience
51M Quotes reviewed
167 Insurance providers evaluated
34.5K ZIP codes analyzed

If you’re looking for car insurance rates in Rhode Island, the average annual premium is $2,061, per year or $172 monthly. This contrasts with the national average of $1,682, highlighting a variation of $166. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.

This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Rhode Island, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes.

Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.

Key Takeaways

  • The average car insurance cost in Rhode Island is $2,061 per year, based on Insure.com’s analysis.
  • In Rhode Island, the average premium for car insurance is $172 per month.
  • State Farm has the cheapest car insurance rates in Rhode Island, at an average annual rate of $1,319 a year.

Average car insurance cost in Rhode Island per month

In Rhode Island, the monthly rate for car insurance is $172.

This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Rhode Island, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.

Cheapest car insurance companies in Rhode Island

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.

Affordable car insurance providers in Rhode Island

Graph
Table
Company nameAverage per month costAverage annual cost
State Farm$110$1,319
American Family$153$1,833
Progressive$153$1,841
Nationwide$159$1,911
Travelers$162$1,946
Amica$184$2,206
Geico$191$2,292
Allstate$249$2,993
Farmers$278$3,336
USAA$96$1,147

Read our guide to cheap car insurance companies

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 2023 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.

Average cost of car insurance by coverage levels in Rhode Island

The extent of coverage you opt for directly influences the cost of car insurance in Rhode Island. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Rhode Island would be $808.

As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Rhode Island amounts to $2,061.

For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Rhode Island, the average annual cost for non-owner state minimum liability coverage stands at $518.

For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $646 annually in Rhode Island.

1State minimum:$646
2Liability only:$808
3Full coverage:$2,061
4Non-owners:$518

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 city

Average car insurance cost in Rhode Island by city

Several factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.

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

CityAverage annual cost
Central Falls$2,538
Coventry$1,967
Cranston$2,440
Cumberland$2,074
East Providence$2,262
Newport$1,655
Pawtucket$2,452
Providence$2,495
Warwick$2,121
Woonsocket$2,077

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

Age plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Rhode Island is $3,387, whereas for seniors, it’s $2,163. The rate for young drivers surpasses that of senior drivers by $1,224.

Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.

Average car insurance cost in Rhode Island for young drivers

For female young drivers in Rhode Island, the average annual car insurance cost is $3,265, and $272 per month. Conversely, male young drivers face an average annual rate of $3,516, and $293 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
20$4,641$4,250
21$3,687$3,319
22$3,565$3,257
23$3,080$2,919
24$2,804$2,744

Average car insurance cost in Rhode Island for senior drivers

For senior female drivers in Rhode Island, the annual cost of car insurance is $2,159, or $180 per month. Similarly, male senior drivers face an annual insurance rate of $2,166, or $181 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$2,079$2,093
70$2,133$2,129
75$2,284$2,255

Read more about senior car insurance

Minimum car insurance requirements in Rhode Island

Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Rhode Island Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Rhode Island:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Personal property coverage per person: $25,000

Cheapest cars to insure in Rhode Island

The Subaru Forester is most affordable average annual insurance premium, standing at $1,931, with the Chevrolet TrailBlazer trailing closely behind at $1,939. The annual difference in insurance costs between these two models amounts to $8.

MakeModelAverage annual premium
SubaruForester$1,931
ChevroletTrailBlazer$1,939
MazdaCX-30$1,944
MazdaCX-5$1,949
HondaHR-V$1,956
KiaSeltos$1,974
SubaruOutback$1,995
FordEscape Plug-in Hybrid$1,998
SubaruCrosstrek$1,998
FordEscape$2,003

Most expensive cars to insure in Rhode Island

The most expensive car to insure on the list is the Audi RS E-tron GT, which has an average annual premium of $7,053. However, the difference between the cheapest and most expensive cars to insure is $5,122 annually.

MakeModelAverage annual premium
AudiRS E-tron GT$7,053
MaseratiQuattroporte Trofeo$6,951
BMWI7$6,827
PorscheTaycan Turbo$6,793
NissanZ Performance$6,787
Land RoverRange Rover P530 Autobiography$6,745
MaseratiQuattroporte$6,706
MaseratiGhibli Trofeo$6,643
BMWAlpina B8$6,628
PorscheTaycan GTS$6,506

Methodology

The Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$1,676/Year
Alabama$1,860/Year
Arkansas$1,957/Year
Arizona$1,812/Year
California$2,416/Year
Colorado$2,337/Year
Connecticut$1,725/Year
Delaware$2,063/Year
Florida$2,694/Year
Georgia$1,970/Year
Hawaii$1,517/Year
Iowa$1,630/Year
Idaho$1,428/Year
Illinois$1,532/Year
Indiana$1,515/Year
Kansas$1,900/Year
Kentucky$2,228/Year
Louisiana$2,883/Year
Massachusetts$1,726/Year
Maryland$1,746/Year
Maine$1,175/Year
Michigan$2,352/Year
Minnesota$1,911/Year
Missouri$1,982/Year
Mississippi$2,008/Year
Montana$2,193/Year
North Carolina$1,741/Year
North Dakota$1,665/Year
Nebraska$1,902/Year
New Hampshire$1,265/Year
New Jersey$1,902/Year
New Mexico$2,049/Year
Nevada$2,060/Year
New York$1,870/Year
Ohio$1,417/Year
Oklahoma$2,138/Year
Oregon$1,678/Year
Pennsylvania$1,872/Year
South Carolina$2,009/Year
South Dakota$2,280/Year
Tennessee$1,677/Year
Texas$2,043/Year
Utah$1,825/Year
Virginia$1,469/Year
Vermont$1,319/Year
Washington$1,608/Year
Wisconsin$1,664/Year
West Virginia$2,005/Year
Wyoming$1,758/Year
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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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