The best, cheapest car insurance in Rhode Island for 2025

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Best car insurance company in Rhode Island

In Rhode Island, the average premium for car insurance is $2,061 a year or $172 a month, which is the 12^th highest in the country – Louisiana was number one.

For drivers looking for cheap car insurance in Rhode Island, State Farm, American Family, Progressive, Nationwide and others on our list are great options, offering plenty of coverage options at affordable rates.

Our research found State Farm offers low rates when compared to its competitors and received high marks when we look at other factors including J.D Power customer satisfaction scores, financial strength rankings and complaint data. State Farm was our top scorer and was awarded 4.46 out of 5 stars.

Amica finished second in our rankings with a score of 4.28 stars and Travelers was third at 4.1 stars.

The best car insurance companies in Rhode Island

Company Group	NAIC	J.D. Power	AM Best Rating	Score (out of 5)
State Farm	0.79	664	A++	4.46
Amica	0.75	709	A+	4.28
Travelers	0.52	623	A++	4.10
GEICO	0.69	638	A++	3.88
Progressive	0.71	620	A+	3.88
Allstate	1.1	646	A+	3.15
Farmers	0.86	600	A	2.79
USAA*	1.18	741	A++	4.50

*USAA is only available to military community members and their families.

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state/regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights to arrive at an overall star rating.

Premiums: 25%
JD Power: 30%
AM Best: 25%
NAIC: 20%

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Cheapest car insurance in Rhode Island

State Farm has the lowest average rate in Rhode Island at $1,319 a year or $110 a month.

American Family is the next most affordable at $1,833 annually and Progressive at $1,841. While these insurers had the cheapest average premiums, there are plenty of other options for coverage in the state.

Insurers consider a wide variety of factors when setting a rate and use proprietary algorithms which can result in dramatic differences in premium quotes. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Rhode Island, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

The data shows how shopping around for coverage can result in savings. While State Farm had the lowest average rate at $1,319, Farmers was the most expensive at $3,336.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Cheapest full-coverage insurance in Rhode Island

Company	Average annual premium	Average monthly premium
State Farm	$1,319	$110
American Family	$1,833	$153
Progressive	$1,841	$153
Nationwide	$1,911	$159
Travelers	$1,946	$162
Amica Mutual	$2,206	$184
GEICO	$2,292	$191
Allstate	$2,993	$249
Farmers	$3,336	$278

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

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Full coverage car insurance in Rhode Island

As noted, the rates above are for full coverage car insurance. Full coverage car insurance simply means you are carrying liability and any other state requirements as well as collision and comprehensive.

Full coverage insurance includes collision and comprehensive, which protects your own vehicle. Collision insurance will pay to repair your vehicle when it is damaged after colliding with another vehicle or object. Comprehensive covers damage that is done by perils such as fire, theft, flooding, vandalism, and more.

Shopping for car insurance in Rhode Island

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. “However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – I am going to recommend and quote at least 50/100/100. Depending on their age/income and profession, I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in Rhode Island by age

Insurance companies consider your age when setting a premium and teens and young adults pay more for coverage as statistics show that young drivers, because they are inexperienced, have more accidents and claims.

Regardless of your age, in Rhode Island, State Farm is the most affordable coverage with an average rate of $1,319 a year.

As teens transition into young adults and get more experience under their belt rates start to drop. By their mid to late-20s – assuming they keep their record clean – driver rates should stabilize and then stay stable until the driver moves into their 70s when rates will start climbing again.

Cheapest car insurance for senior drivers in Rhode Island

According to our data, senior drivers pay roughly 31% more than middle-aged drivers.

Seniors tend to pay slightly higher car insurance rates than younger drivers. In Rhode Island, the cheapest insurance company for senior drivers is State Farm at $1,330 a year or $111 a month. Nationwide grabbed the second-place spot with premiums running $1,817 annually or $151 a month, Progressive was third at $1,991.

Seniors pay higher rates thanks to age-related issues. They often suffer from vision and hearing issues as well as slowing reflexes and medical issues. This all leads to more accidents and claims, which pushes up the cost to insure seniors.

The chart below shows the average premium for senior drivers.

Average rates for seniors in Rhode Island

Company	Average annual premium	Average monthly premium
State Farm	$1,330	$111
Nationwide	$1,817	$151
Progressive	$1,991	$166
American Family	$2,089	$174
Travelers	$2,279	$190
GEICO	$2,431	$203
Amica Mutual	$2,463	$205
Allstate	$2,995	$250
Farmers	$3,273	$273

Car insurance for young drivers in Rhode Island

While rates start to drop for teen drivers as they become young adults, they still pay slightly higher rates than more experienced drivers. According to our data, State Farm is the cheapest insurer for drivers in their early 20s with an average premium of $2,284 a year or $190 per month.

Travelers was the second cheapest insurer at $3,003 and Nationwide will insure a young driver in Rhode Island for $3,158 a year.

Rates will continue to drop (assuming a clean driving record) as drivers hit their late 20s and move into their 30s.

The chart below shows the average premiums for young drivers.

Average rates for young drivers in Rhode Island

Company	Average annual premium	Average monthly premium
State Farm	$2,284	$190
Travelers	$3,003	$250
Nationwide	$3,158	$263
American Family	$3,216	$268
Progressive	$3,259	$272
GEICO	$3,621	$302
Amica Mutual	$4,438	$370
Allstate	$4,807	$401
Farmers	$5,533	$461

Car insurance for teen drivers in Rhode Island

Adding a teen to a car insurance policy will always push up the rate. Teens are the least experienced drivers out on the road which leads to more accidents and claims and higher premiums.

“Teen drivers are statistically more likely to be involved in accidents due to their lack of driving experience and tendency to engage in risky behaviors like speeding,” says Eliezer Zupnick, founder of East Leads Group LLC. “Teens are involved in three times as many auto accidents per mile compared to drivers aged 20 and up, making them a high-risk category for insurers.”

For Rhode Island teens, State Farm is the most affordable option with a premium of $3,736 a year or $311 a month. American Family is the next most affordable at $5,997 a year or $500 a month followed by Nationwide running $6,172 a year.

If your teen has a B average or better, ask for a good student discount to help save a bit of money. Having your teen drive an older vehicle will also help save some money. If the car is old enough that you wouldn’t repair it after an accident, you may be able to drop collision and comprehensive.

The chart below shows average premiums for teens in Rhode Island:

Average rates for teens in Rhode Island

Company	Average annual premium	Average monthly premium
State Farm	$3,736	$311
American Family	$5,997	$500
Nationwide	$6,172	$514
GEICO	$7,194	$600
Allstate	$8,142	$679
Progressive	$8,458	$705
Travelers	$9,349	$779
Amica Mutual	$9,794	$816
Farmers	$11,441	$953

Average cost of car insurance in Rhode Island

In Rhode Island, the average premium is $2,061, which makes Rhode Island the 12^th most expensive state for coverage.

All states have large metropolitan areas, which will always push up the cost of insurance as more vehicles on the road lead to more accidents and claims. A high crime rate will also impact rates.

“If a state has a higher rate of car insurance claims associated with vandalism or car theft, prices are usually higher because car insurance companies view insuring these cars as a higher risk for them,” says Chong Gao, director of product management R&D at Mercury Insurance.

The chart below is the average rate in each state for a 40-year-old driver of a 2023 Honda Accord LX.

Average rates for a 40-year-old in Rhode Island

Average annual premium	Average monthly premium
$2,061	$172

Which Rhode Island ZIP codes are most expensive for car insurance?

Car insurance costs in Rhode Island can vary significantly based on your location, as insurers consider the ZIP code where your vehicle is primarily parked when determining your premium.

Our data shows that the Johnston area came out as the most expensive with an average annual premium of $2,644. North Providence was No. 2 and Central Falls was No. 3.

Here are the most expensive ZIP codes in Rhode Island for car insurance:

Most expensive ZIP codes in Rhode Island

City	Average annual Premium
Johnston	$2,644
North Providence	$2,559
Central Falls	$2,538
Providence	$2,495
Pawtucket	$2,452
Cranston	$2,440
Riverside	$2,347
Rumford	$2,339
East Providence	$2,262
Lincoln	$2,241

Which Rhode Island ZIP codes are the cheapest for car insurance?

The cheapest ZIP codes for car insurance in Rhode Island tend to be in rural areas where there are fewer people and cars which leads to lower accident and claim rates. Newport East has the most affordable ZIP code in Rhode Island with an annual premium of $1,585.

Least expensive ZIP codes in Rhode Island

City	Average annual Premium
Newport East	$1,585
Jamestown	$1,638
Newport	$1,655
Portsmouth	$1,665
Westerly	$1,665
Little Compton	$1,673
Prudence Island	$1,720
Ashaway	$1,748
Block Island	$1,752
Bradford	$1,759

Cheapest car insurance for high-risk drivers in Rhode Island

If you have an at-fault accident, DUI or speeding ticket on your driving record, your insurer may consider you a high-risk driver and will push up the cost of your coverage.

A speeding ticket increases the average premium to $2,496 and will stay on your record and impact your premium for three years.

If you are responsible for an accident, your rates will push the average cost of coverage to $2,015.

A DUI is considered a major violation and will raise the average premium to $3,654.

The table below shows the average increase for drivers with an incident on their record:

How much rates increase in Rhode Island after a traffic incident

Profile Groups	Average annual premium	Rates after Incident	Rates increase after incident ($)	Rates increase after incident (%)
At-Fault Accident	$1,792	$2,015	$223	12%
Bad Credit	$1,792	$3,225	$1,433	80%
DUI	$1,792	$3,654	$1,862	104%
Speeding	$1,792	$2,496	$703	39%

Minimum car insurance requirements in Rhode Island

Most states require all drivers to carry a minimum amount of liability coverage to drive legally. Rhode Island requires drivers to carry 25/50/25 in liability coverage, which translates into:

$25k for bodily injury and $50,000 for death for a person involved in an accident
$50k for bodily injury and $100,000 for death for two or more people in an accident
$25k for property damage for a single accident

These required minimums are fairly average when compared to other states. However, these minimums are rarely enough coverage if you are involved in a serious accident. Once your coverage levels are exceeded, you will be on the hook for any remaining damage.

Experts typically recommend carrying 100/300/50 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Rhode Island.”

Mark Vallet

Contributing Researcher

Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.