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 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 onApril 15, 2026 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 Island:Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 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 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:Does your vehicle model affect car insurance rates in Rhode Island?A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.For example, full coverage for a Honda Accord LX costs $2,735 per year, while the average premium for a Honda CR-V in Rhode Island is $2,251 – a difference of $484.Does your car’s model year affect insurance rates in Rhode Island?In Rhode Island – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $4,199, while insuring the 2024 model costs $2,618. Quick tip: Check your state’s minimum coverage rulesEvery state sets its own minimum car insurance requirements, and Rhode Island is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits are the bare minimum – many drivers choose higher coverage to better protect themselves financially after an accident. Not carrying the required coverage in Rhode Island can lead to fines, license suspension and even 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 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 How your car’s trim affects insurance rates in Rhode IslandInsurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.For example, in Rhode Island, full coverage car insurance for a 2023 Honda Accord LX costs $4,199 a year, while the higher-end Accord EX-L trim costs $3,527 annually – a difference of $672 per year.Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding. You might find interesting Explore related topics 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?Rhode Island car insurance: Rates, state minimum requirements and best companiesThe best and cheapest car insurance in Rhode IslandBest and cheapest companies for home and auto bundles in Rhode IslandSee more How much 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 premium may be higher or lower depending on your chosen coverage limits.Below, you’ll find estimated costs for different coverage levels in Rhode Island, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.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:Car insurance costs in Rhode Island by cityCar insurance rates in Rhode Island vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Providence pay $3,631 annually for full coverage, while those in Newport East pay closer to $1,957 per year.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? Use our Rhode Island car insurance calculatorOur car insurance calculator for Rhode Island factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal. 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 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 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 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. 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? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? 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