Non-owner auto insurance in Rhode Island: Which company has the cheapest rates?

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It costs an average of $573 per year for non-owner car insurance in Rhode Island, which is $193 more than the U.S. average, according to an Insure.com 2023 rate analysis.

In Rhode Island, these policies are available from companies such as American Family, Travelers and Nationwide, in addition to many others.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Rhode Island.

How much does non-owner car insurance cost in Rhode Island?

Non-owner insurance is usually less expensive than regular auto insurance—insurers regard non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the U.S., it’s $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. This applies to drivers with good credit scores and clean driving records. It is $1,717 in Rhode Island.

On the other hand, non-owner car insurance costs $380 a year on average in the United States and $573 in Rhode Island.

But there are various factors to consider when comparing rates, such as which insurer you buy from, your age and driving history and also where in Rhode Island you live.

Which insurer offers the cheapest non-owner insurance rates in Rhode Island?

Rhode Island’s least expensive non-owner insurance policy is offered by USAA at $173.

At $1,155, Farmers Insurance charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Rhode Island

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Rhode Island by age?

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be caught up in an accident. Their rates are usually cheaper than those of younger drivers. Rhode Island non-owner insurance costs, on average, $573 a year for a 45-year-old, whereas it’s $2,114 for a 16-year-old driver.

Average non-owner auto insurance rates in Rhode Island by age and gender

Which Rhode Island cities have the cheapest non-owner auto insurance?

From city to city, there’s a lot of variation in rates. Insurers set rates based on factors such as theft, collisions and vandalism in different U.S. cities.

Below are tables displaying the cities in Rhode Island that have the least and most expensive non-owner auto insurance rates.

The 20 Rhode Island cities with the lowest non-owner car insurance rates

The 20 Rhode Island cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Rhode Island’s 10 biggest cities?

The largest cities in Rhode Island sometimes have significantly different non-owner insurance rates. The non-owner insurance price in Providence is the most expensive at $633. Newport East has the cheapest prices among the state’s largest cities at $364.

Non-owner auto rates in Rhode Island’s 10 largest cities

How non-owner insurance rates in Rhode Island compare to rates in other states

The rates for non-owner car insurance will differ from state to state. The average non-owner insurance rate in Rhode Island is $573, which is more than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year.

Non-owner auto insurance rates in the 10 most populous states

How to get non-owner car insurance in Rhode Island

Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, [who can] shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Below are some insurance companies with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.