Home Car insurance Car insurance calculator Rhode Island car insurance calculator Rhode Island car insurance calculator View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: October 14, 2025 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. 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. Car insurance is essential in Rhode Island, but finding the right plan at the right price isn’t always easy. That’s where our Rhode Island car insurance calculator can help.Use our auto insurance calculator to see your estimated annual and monthly costs in Rhode Island. It factors in your vehicle’s make and model so you can make informed coverage decisions. How to use our car insurance calculator to estimate your rates in Rhode IslandGet a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.Step 1: Choose the model year of your carStep 2: Choose the make and model of your carStep 3: Choose your stateStep 4: Click on the “Get My Rates” button to get a car insurance estimatStep 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices 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 MinimumNA* Liability coverage$1,359/year Full Coverage$3,170/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? 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 - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology 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 2021 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. Data last refreshed in 2025Powered by:Does your vehicle model affect car insurance rates in Rhode Island?Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.For example, insuring a Honda Accord LX around $2,735 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $2,251, a difference of $484.How your car’s model year affects insurance rates in Rhode IslandIn Rhode Island, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $4,199 year to insure, whereas the 2024 model costs $2,618 annually.Know the minimum insurance you need in Rhode IslandEvery state has specific car insurance requirements. In Rhode Island, you must carry at least the minimum liability coverage to drive legally, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityWhile these limits meet Rhode Island’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or vehicle impoundment.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 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 How your car’s trim affects insurance rates in Rhode IslandYour car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.For example, a 2023 Honda Accord LX costs $4,199 per year to insure in Rhode Island, whereas the EX-L trim costs $3,527, a difference of $672 annually.Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater risk of accidents or speeding. You might find interesting Average car insurance cost in Rhode IslandCar 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?The best, cheapest car insurance in Rhode IslandBest and cheapest companies for home and auto bundles in Rhode Island What drivers pay for car insurance in Rhode IslandIn Rhode Island, the average cost of full coverage car insurance is $2,706 per year, or $225 per month. Your rate may be higher or lower depending on the coverage you choose.Below, you’ll find estimates for different coverage levels in Rhode Island, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,706$225Liability Only – 50/100/50 BI/PD$954$79State Minimum BI/PD$761$63Non-Owners$451$38Powered by:How car insurance prices compare across Rhode Island citiesCar insurance premiums in Rhode Island can vary widely from one city to another. Insurers consider congestion, accident statistics, weather risks, and crime rates when setting premiums. For example, full coverage costs $3,631 per year in Providence, compared to $1,957 in Newport East.Top 20 cities with cheapest car insurance rates in Rhode IslandCityAvg. Annual PremiumAvg. Monthly PremiumNewport East$1,957$163Westerly$1,957$163Block Island$2,052$171Jamestown$2,128$177Portsmouth$2,156$180Little Compton$2,168$181Newport$2,174$181Bradford$2,203$184Rockville$2,203$184Ashaway$2,207$184Hope Valley$2,209$184Narragansett$2,211$184Wakefield$2,212$184Prudence Island$2,221$185Kingston$2,232$186Hopkinton$2,246$187North Kingstown$2,261$188Wyoming$2,266$189West Kingston$2,281$190Tiverton$2,288$191Powered by:Top 20 cities with most expensive car insurance in rates Rhode IslandCityAvg. Annual PremiumAvg. Monthly PremiumProvidence$3,631$303North Providence$3,551$296Johnston$3,412$284Central Falls$3,314$276Cranston$3,229$269Pawtucket$3,187$266Rumford$3,054$255Riverside$3,043$254Lincoln$2,940$245East Providence$2,937$245Greenville$2,886$241Fiskeville$2,819$235Smithfield$2,816$235Clayville$2,792$233Foster$2,787$232Hope$2,787$232Harmony$2,773$231West Warwick$2,761$230North Scituate$2,753$229Manville$2,730$228Powered by:Want to know what you’ll pay? Try our Rhode Island car insurance calculatorOur Rhode Island car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2025 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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What to know about six-month car insurance How much does car insurance cost a month in 2025? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in Rhode IslandDoes your vehicle model affect car insurance rates in Rhode Island?How your car's model year affects insurance rates in Rhode IslandHow your car's trim affects insurance rates in Rhode IslandWhat drivers pay for car insurance in Rhode IslandHow car insurance prices compare across Rhode Island citiesWant to know what you'll pay? Try our Rhode Island car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330