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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.
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 Island
At 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.
| Company | Average annual rates |
|---|---|
| State Farm | $1,319 |
| American Family | $1,833 |
| Progressive | $1,841 |
| Nationwide | $1,911 |
| Travelers | $1,946 |
| Amica | $2,206 |
| GEICO | $2,292 |
| Allstate | $2,993 |
| Farmers | $3,336 |
| USAA* | $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
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Cheapest ZIP codes for car insurance in Rhode Island
In 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 code | City | Average annual rates |
|---|---|---|
| 2842 | Newport East | $1,585 |
| 2835 | Jamestown | $1,638 |
| 2840 | Newport | $1,644 |
| 2871 | Portsmouth | $1,665 |
| 2891 | Westerly | $1,665 |
| 2841 | Newport | $1,667 |
| 2837 | Little Compton | $1,673 |
| 2872 | Prudence Island | $1,720 |
| 2804 | Ashaway | $1,748 |
| 2807 | Block Island | $1,752 |
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
Cheapest car insurance in Rhode Island by age
Teen 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 group | Full coverage annual premiums |
|---|---|
| Teens (16-19) | $7,124 |
| Young Adults (20-24) | $3,387 |
| Adults (25-60) | $2,070 |
| Seniors (65-75) | $2,163 |
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Cheapest car insurance in Rhode Island by driver history
Your 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 Island
Below is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.
- Progressive: $2,534 per year
- American Family: $2,696 per year
- Nationwide: $2,752 per year
A 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.
| Company | Average annual premium | New rate after accident | % Increase | $ Increase |
|---|---|---|---|---|
| Progressive | $1,841 | $2,534 | 38% | $693 |
| American Family | $1,833 | $2,696 | 47% | $863 |
| Nationwide | $1,911 | $2,752 | 44% | $841 |
| Travelers | $1,946 | $2,878 | 48% | $932 |
| Allstate | $2,993 | $3,691 | 23% | $698 |
| GEICO | $2,292 | $3,848 | 68% | $1,556 |
| Farmers | $3,336 | $4,518 | 35% | $1,182 |
| Amica | $2,206 | $4,611 | 109% | $2,405 |
| USAA* | $1,147 | $1,306 | 14% | $159 |
*Note: USAA only offers coverage to military members, veterans and their families.
Cheapest car insurance after an accident in Rhode Island
Below are the top three insurance companies that provide affordable car insurance rates after an accident.
- State Farm: $1,706 per year
- Progressive: $1,927 per year
- Travelers: $2,655 per year
State 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.
| Company | Average annual premium | New rate after accident | % Increase | $ Increase |
|---|---|---|---|---|
| State Farm | $1,319 | $1,706 | 29% | $387 |
| Progressive | $1,841 | $1,927 | 5% | $86 |
| Travelers | $1,946 | $2,655 | 36% | $709 |
| GEICO | $2,292 | $2,813 | 23% | $521 |
| Nationwide | $1,911 | $2,891 | 51% | $980 |
| American Family | $1,833 | $3,071 | 68% | $1,238 |
| Amica | $2,206 | $3,780 | 71% | $1,574 |
| Farmers | $3,336 | $4,400 | 32% | $1,064 |
| Allstate | $2,993 | $4,720 | 58% | $1,727 |
Cheapest car insurance after a DUI conviction in Rhode Island
Below is a list of the top three companies offering affordable car insurance following a DUI conviction.
- Progressive: $2,280 per year
- American Family: $2,808 per year
- Travelers: $3,181 per year
If 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.
| Company | Average annual premium | New rate after accident | $ Increase | % Increase |
|---|---|---|---|---|
| Progressive | $1,841 | $2,280 | $439 | 24% |
| American Family | $1,833 | $2,808 | $975 | 53% |
| Travelers | $1,946 | $3,181 | $1,235 | 63% |
| Nationwide | $1,911 | $3,679 | $1,768 | 93% |
| Allstate | $2,993 | $4,475 | $1,482 | 50% |
| Farmers | $3,336 | $5,705 | $2,369 | 71% |
| GEICO | $2,292 | $7,839 | $5,547 | 242% |
| Amica | $2,206 | $9,037 | $6,831 | 310% |
| USAA* | $1,147 | $2,101 | $954 | 83% |
*Note: USAA only offers coverage to military members, veterans and their families.
Average car insurance cost in Rhode Island
While 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 thoughts
When 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.
Methodology
Insure.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 applied
- 1 At-fault property damage accident over $2K
- 1 At-fault property damage accident under $2K
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
- Speeding 30+ over limit
- Speeding ticket 1-10 MPH over limit
- Speeding ticket 11-29 MPH over the limit
These are sample rates, and your exact rates may vary.
Find cheapest car insurance in other states
- Cheap car insurance companies in Rhode Island
- How we choose the cheapest car insurance companies in Rhode Island
- Cheapest ZIP codes for car insurance in Rhode Island
- Cheapest car insurance in Rhode Island by age
- Cheapest car insurance in Rhode Island by driver history
- Average car insurance cost in Rhode Island
- Final thoughts
- Methodology