Low-cost car insurance in Rhode Island

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Travelers provides the lowest car insurance rates in Rhode Island at $2,141 a year. The average premium is $225 per month in Rhode Island, though your actual rate may vary.

Car insurance requirements differ by state. In Rhode Island, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

Travelers offers the lowest car insurance rates in Rhode Island, at $2,141 per year, which is about $565 the state average.
Progressive has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,480.
The ZIP code 2842 has the low-cost car insurance rates in Rhode Island, at an average annual rate of $1,957.

Low-cost car insurance companies in Rhode Island

Travelers offers the lowest car insurance rates in Rhode Island, with an average annual premium of $2,141 per year. It’s $565 less expensive than the average car insurance cost in Rhode Island. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
Travelers	$2,141
State Farm	$2,162
Progressive	$2,369
Nationwide	$2,866
American Family	$2,924
GEICO	$2,982
Allstate	$3,181
Amica	$3,293
Farmers	$3,939
USAA*	$1,399

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

How we choose low-cost car insurance companies in Rhode Island

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Rhode Island

Drivers in 2842 benefit from the lowest average premium in the state, at $1,957 per year. See the table below to find other ZIP codes in Rhode Island where insurance tends to be cheaper.

ZIP code	City	Average annual rates
2842	Newport East	$1,957
2891	Westerly	$1,957
2807	Block Island	$2,052
2835	Jamestown	$2,128
2871	Portsmouth	$2,156
2840	Newport	$2,167
2837	Little Compton	$2,168
2841	Newport	$2,182
2808	Bradford	$2,203
2873	Rockville	$2,203

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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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Low-cost car insurance in Rhode Island by age

Young drivers often face the highest premiums. In Rhode Island, for example, a 16-year-old pays $9,470 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$10,607
Young Adults (20-24)	$4,962
Adults (25-60)	$2,708
Seniors (65-75)	$2,827

Low-cost car insurance in Rhode Island by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Rhode Island

One speeding ticket in Rhode Island can cause your insurance rates to jump by 46%, or roughly $1,254 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$2,141	$3,166	48%	$1,025
Progressive	$2,369	$3,260	38%	$891
Allstate	$3,181	$3,922	23%	$741
Nationwide	$2,866	$4,127	44%	$1,262
American Family	$2,924	$4,302	47%	$1,378
GEICO	$2,982	$5,006	68%	$2,024
Farmers	$3,939	$5,334	35%	$1,396
Amica	$3,293	$6,883	109%	$3,591
USAA*	$1,399	$1,594	14%	$195

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

Low-cost car insurance after an accident in Rhode Island

Progressive offers the lowest car insurance rates to drivers after an at-fault accident at $2,480 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$2,369	$2,480	5%	$111
State Farm	$2,162	$2,795	29%	$633
Travelers	$2,141	$2,920	36%	$779
GEICO	$2,982	$3,659	23%	$677
Nationwide	$2,866	$4,336	51%	$1,470
American Family	$2,924	$4,901	68%	$1,976
Allstate	$3,181	$5,016	58%	$1,835
Farmers	$3,939	$5,196	32%	$1,257
Amica	$3,293	$5,642	71%	$2,350

Low-cost car insurance after a DUI in Rhode Island

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Rhode Island keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,369	$2,933	$563	24%
Travelers	$2,141	$3,500	$1,359	64%
American Family	$2,924	$4,480	$1,556	53%
Allstate	$3,181	$4,756	$1,575	50%
Nationwide	$2,866	$5,517	$2,652	93%
Farmers	$3,939	$6,736	$2,797	71%
GEICO	$2,982	$10,198	$7,216	242%
Amica	$3,293	$13,491	$10,198	310%
USAA*	$1,399	$2,563	$1,164	83%

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

Average cost of car insurance Rhode Island

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Rhode Island is $193 more than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Rhode Island, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost 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 violations 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.

Shivani Gite

Contributing 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.