Low-cost car insurance in Rhode Island

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Drivers in Rhode Island can find the cheapest average premium with Travelers, at $2,124 per year. By comparison, the statewide average monthly cost is $240. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Rhode Island requires drivers to carry at least $25,000 in bodily injury coverage per person, $25,000 in bodily injury per accident, and $50,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Rhode Island, depending on your situation.

Key Takeaways

Travelers offers the lowest car insurance rates in Rhode Island, at $2,124 per year, which is about $754 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 $2,565.
The ZIP code 2842 has the low-cost car insurance rates in Rhode Island, at an average annual rate of $2,225.

Low-cost car insurance companies in Rhode Island

Among all insurers in Rhode Island, Travelers comes in lowest at $2,124 per year – $754 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Rhode Island.

Company	Average annual rates
Travelers	$2,124
State Farm	$2,288
Progressive	$2,523
American Family	$2,904
GEICO	$2,906
Nationwide	$3,073
Amica	$3,132
Allstate	$3,195
Farmers	$3,864

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

195+

Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Rhode Island

In Rhode Island, drivers living in the 2842 ZIP code enjoy the lowest average annual premium at $2,225. Check the table below to see which other ZIP codes in the state have more affordable rates.

Zipcode	City	Average annual rates
2842	Newport East	$2,225
2891	Westerly	$2,285
2835	Jamestown	$2,286
2871	Portsmouth	$2,303
2840	Newport	$2,324
2837	Little Compton	$2,330
2841	Newport	$2,333
2872	Prudence Island	$2,376
2807	Block Island	$2,420
2804	Ashaway	$2,451

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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

Teen drivers in Rhode Island pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $9,215 more than a 40-year-old driver in Rhode Island.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$10,921
Young Adults (20-24)	$5,358
Adults (25-60)	$2,884
Seniors (65-75)	$2,990

Low-cost car insurance in Rhode Island by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

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 51%, or roughly $1,462 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	$2,124	$3,100	46%	$976
Progressive	$2,523	$3,683	46%	$1,160
Allstate	$3,195	$3,833	20%	$638
American Family	$2,904	$4,318	49%	$1,414
Nationwide	$3,073	$4,806	56%	$1,733
GEICO	$2,906	$4,888	68%	$1,982
Farmers	$3,864	$5,196	34%	$1,332
Amica	$3,132	$6,567	110%	$3,435

Low-cost car insurance after an accident in Rhode Island

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Progressive is the lowest-cost option for these drivers, with an average annual premium of $2,565.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$2,523	$2,565	2%	$42
Travelers	$2,124	$2,877	35%	$753
State Farm	$2,288	$2,993	31%	$705
GEICO	$2,906	$3,566	23%	$660
American Family	$2,904	$4,895	69%	$1,991
Nationwide	$3,073	$4,932	60%	$1,859
Farmers	$3,864	$5,018	30%	$1,154
Amica	$3,132	$5,375	72%	$2,243
Allstate	$3,195	$5,770	81%	$2,575

Low-cost car insurance after a DUI in Rhode Island

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Rhode Island are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$2,523	$3,248	29%	$725
Travelers	$2,124	$3,417	61%	$1,293
American Family	$2,904	$4,500	55%	$1,596
Allstate	$3,195	$4,550	42%	$1,355
Farmers	$3,864	$6,523	69%	$2,659
Nationwide	$3,073	$6,694	118%	$3,621
GEICO	$2,906	$9,924	242%	$7,018
Amica	$3,132	$12,915	312%	$9,783

Average cost of car insurance Rhode Island

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Rhode Island, the average cost of full coverage is $300 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

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.

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 violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 65,756,440 insurance quotes from 195 insurance companies across 34,595 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.

Read more about our research standards and methodology.

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.