Home Car insurance Car insurance rates by state Cheapest car insurance in Rhode Island Cheapest car insurance in Rhode Island State Farm has the cheapest car insurance rates for Rhode Island drivers at $1,319 a year, based on Insure.com's data study. 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: May 23, 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. According to Insure.com’s analysis, State Farm has the cheapest car insurance rates for most drivers in Rhode Island at $1,319 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.To comply with Rhode Island’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.Below, you’ll find which insurance companies are the most affordable for different categories. Cheapest overall: State Farm $1,319/year National avg. rate Cheapest for at-fault accident: State Farm $1,706/year Avg. rate after an at-fault accident Cheapest for speeding ticket: Progressive $2,534/year Avg. rate after speeding ticket Key Takeaways State Farm has the cheapest car insurance in Rhode Island, with an average annual cost of $1,319, which is 36% less than the state average.State Farm offers affordable car insurance at $1,706 per year to Rhode Island drivers with a history of at-fault accidents.2842 is the cheapest ZIP code for auto insurance rates in Rhode Island at $1,585 annually. Cheap car insurance companies in Rhode IslandAt an average annual rate of $1,319, State Farm offers the cheapest car insurance in Rhode Island, 36% less than the state average. Your premium may vary based on personal factors such as your driving record, ZIP Code and car type.It’s important to compare quotes from various carriers to ensure that you get the best deal.Below, you’ll find average annual car insurance rates from the most affordable insurance companies in Rhode Island.CompanyAverage annual ratesState Farm$1,319American Family$1,833Progressive$1,841Nationwide$1,911Travelers$1,946Amica$2,206GEICO$2,292Allstate$2,993Farmers$3,336USAA*$1,147 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in Rhode Island 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in Rhode IslandIn Rhode Island, the 2842 ZIP code has the most affordable car insurance rates at $1,585. The table below shows the cheapest ZIP codes for car insurance rates.ZIP codeCityAverage annual rates2842Newport East$1,5852835Jamestown$1,6382840Newport$1,6442871Portsmouth$1,6652891Westerly$1,6652841Newport$1,6672837Little Compton$1,6732872Prudence Island$1,7202804Ashaway$1,7482807Block Island$1,752Auto 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 cityCranstonEast ProvidencePawtucketProvidenceWarwickCheapest car insurance in Rhode Island by ageTeen drivers in Rhode Island pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $6,894 more than a 40-year-old driver in Rhode Island, based on Insure.com’s analysis.The table below shows the cheapest car insurance rates for drivers of different ages:Age groupFull coverage annual premiumsTeens (16-19)$7,124Young Adults (20-24)$3,387Adults (25-60)$2,070Seniors (65-75)$2,163 You might find interesting The best, cheapest car insurance in Rhode IslandRhode Island car insurance calculatorNon-owner auto insurance in Rhode Island: Which company has the cheapest rates?Cheapest SR-22 insurance in Rhode IslandBest and cheapest companies for home and auto bundles in Rhode Island Cheapest car insurance in Rhode Island by driver historyYour driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.Cheapest car insurance after a speeding ticket in Rhode IslandBelow is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.Progressive: $2,534 per yearAmerican Family: $2,696 per yearNationwide: $2,752 per yearA single speeding ticket in Rhode Island can cause your insurance rates to go up by 46%, or $956, according to Insure.com’s analysis.Dealing with a speeding ticket can be a hassle, as it involves paying a fine and facing increased insurance rates. However, there are some insurers who offer affordable premiums to drivers with a speeding ticket on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseProgressive$1,841$2,53438%$693American Family$1,833$2,69647%$863Nationwide$1,911$2,75244%$841Travelers$1,946$2,87848%$932Allstate$2,993$3,69123%$698GEICO$2,292$3,84868%$1,556Farmers$3,336$4,51835%$1,182Amica$2,206$4,611109%$2,405USAA*$1,147$1,30614%$159 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in Rhode IslandBelow are the top three insurance companies that provide affordable car insurance rates after an accident.State Farm: $1,706 per yearProgressive: $1,927 per yearTravelers: $2,655 per yearState Farm has the cheapest auto insurance rates for Rhode Island drivers after an at-fault accident at $1,706 a year.If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$1,319$1,70629%$387Progressive$1,841$1,9275%$86Travelers$1,946$2,65536%$709GEICO$2,292$2,81323%$521Nationwide$1,911$2,89151%$980American Family$1,833$3,07168%$1,238Amica$2,206$3,78071%$1,574Farmers$3,336$4,40032%$1,064Allstate$2,993$4,72058%$1,727 Cheapest car insurance after a DUI conviction in Rhode IslandBelow is a list of the top three companies offering affordable car insurance following a DUI conviction.Progressive: $2,280 per yearAmerican Family: $2,808 per yearTravelers: $3,181 per yearIf you’ve recently been convicted of a DUI, you might be concerned about how it will impact your car insurance rates. Most insurance companies will consider you a high-risk driver and increase your premiums. But some insurers offer relatively affordable rates.The table below outlines the insurance companies that offer the most affordable car insurance rates following a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseProgressive$1,841$2,280$43924%American Family$1,833$2,808$97553%Travelers$1,946$3,181$1,23563%Nationwide$1,911$3,679$1,76893%Allstate$2,993$4,475$1,48250%Farmers$3,336$5,705$2,36971%GEICO$2,292$7,839$5,547242%Amica$2,206$9,037$6,831310%USAA*$1,147$2,101$95483% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in Rhode IslandWhile full coverage insurance is more expensive than minimum liability insurance, many drivers find the extra cost worth it. In Rhode Island, the average cost of full coverage car insurance is $166 more than the national average car insurance cost.While multiple full coverage limits are available, Insure.com editors recommend getting a policy with 100/300/100 coverage limits for adequate protection.What is full coverage car insurance in Rhode Island?Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.If you lease or finance your car in Rhode Island, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.Final thoughtsWhen it comes to car insurance, everyone is looking for ways to save on premiums. However, cutting back on coverage to save a little money now could result in much higher costs later.Before purchasing an auto insurance policy, consider your specific needs to ensure you purchase adequate insurance coverage. Since car insurance rates differ, it’s important to compare quotes from various companies to find the most affordable coverage in Rhode Island.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Rhode Island. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani 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 Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in Rhode IslandHow we choose the cheapest car insurance companies in Rhode IslandCheapest ZIP codes for car insurance in Rhode IslandCheapest car insurance in Rhode Island by ageCheapest car insurance in Rhode Island by driver historyAverage car insurance cost in Rhode IslandFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330