Home Car insurance Car insurance rates by state Low-cost car insurance in Rhode Island Low-cost car insurance in Rhode Island Our data shows State Farm delivers the lowest car insurance rates in Rhode Island. 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: September 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. Drivers in Rhode Island can find the cheapest average premium with State Farm, at $1,319 per year. By comparison, the statewide average monthly cost is $172. 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, $50,000 in bodily injury per accident, and $25,000 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 State Farm has the lowest average car insurance premium in Rhode Island, costing $1,319 per year. That’s 36% the state average.For drivers with an at-fault accident on record, State Farm offers the most affordable coverage at around $1,706 annually.The 2842 ZIP code stands out as the cheapest area for auto insurance in Rhode Island, with an average yearly cost of $1,585. Low-cost car insurance companies in Rhode IslandAmong all insurers in Rhode Island, State Farm comes in lowest at $1,319 per year – 36% 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.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*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in Rhode Island 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in Rhode IslandDrivers in 2842 benefit from the lowest average premium in the state, at $1,585 per year. See the table below to find other ZIP codes in Rhode Island where insurance tends to be cheaper.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$1,752Powered by: You might find interesting 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 IslandNon-owner auto insurance in Rhode Island: Which company has the cheapest rates?Rhode Island car insurance calculatorThe best, cheapest car insurance in Rhode IslandBest and cheapest companies for home and auto bundles in Rhode Island 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 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 Low-cost car insurance in Rhode Island by ageYoung drivers often face the highest premiums. In Rhode Island, for example, a 16-year-old pays $6,894 more than a 40-year-old driver.The table below shows how rates change by age group.Age groupFull coverage annual premiumsTeens (16-19)$7,124Young Adults (20-24)$3,387Adults (25-60)$2,070Seniors (65-75)$2,163Powered by:Low-cost car insurance in Rhode Island by driver historyYour 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 IslandOne speeding ticket in Rhode Island can cause your insurance rates to jump by 46%, or roughly $956 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ 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*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in Rhode IslandAfter an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. State Farm has the lowest average rate at $1,706 per year.If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Rhode Island with the most affordable rates for drivers with an accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ 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%$1,727Powered by:Low-cost car insurance after a DUI in Rhode IslandBeing labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Rhode Island offer the most affordable rates after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ 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%*USAA is only available to military community members and their families.Powered by: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 $166 more compared to the national averageWe 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 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 protectedIt’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance 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 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 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. 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.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance companies in Rhode IslandHow we choose low-cost car insurance companies in Rhode IslandZIP codes with the cheapest car insurance in Rhode IslandLow-cost car insurance in Rhode Island by ageLow-cost car insurance in Rhode Island by driver historyAverage cost of car insurance Rhode IslandWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330