Car Insurance Non-owner auto insurance in Rhode Island: Which company has the cheapest rates? The best non-owner insurance rates in Rhode Island are available from USAA and Geico. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 15, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 CompanyAverage annual premiumUSAA$173Geico$271American Family$382Travelers$471Nationwide$747 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 AgeMaleFemale16$2,174$2,05417$2,171$2,03718$1,936$1,82319$1,275$1,20320$1,198$1,13721$965$91822$855$83023$814$78924$783$76125$661$66930$578$59035$567$58240$573$58345$568$57850$550$56255$547$55060$549$55565$584$60770$612$63975$624$649 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 Cities in Rhode IslandLowest non-owner car insurance ratesNewport East$364Westerly$374Little Compton$375Newport$375Block Island$380Charlestown$380Bradford$387Jamestown$387Ashaway$392Hope Valley$392Shannock$399Wyoming$399Wood River Junction$400Carolina$401Wakefield$401Hopkinton$402Narragansett$403Portsmouth$404Tiverton$404Kingston$408 The 20 Rhode Island cities with the highest non-owner car insurance rates Cities in Rhode IslandHighest non-owner car insurance ratesProvidence$633North Providence$612Cranston$589Pawtucket$580Johnston$575Central Falls$566Riverside$533Rumford$533East Providence$524Adamsville$521West Warwick$516Peace Dale$515Forestdale$511Slocum$511Warwick$507East Greenwich$491Warren$477Lincoln$473Hope$472Greenville$469 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 10 largest cities in Rhode IslandNon-owner car ratesProvidence$633Cranston$589Pawtucket$580Central Falls$566East Providence$524Warwick$507Woonsocket$452Newport$375Westerly$374Newport East$364 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 StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 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: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner car insurance cost in Rhode Island? Which insurer offers the cheapest non-owner insurance rates in Rhode Island? How much is non-owner car insurance in Rhode Island by age? Which Rhode Island cities have the cheapest non-owner auto insurance? How much is non-owner auto insurance in Rhode Island's 10 biggest cities? How non-owner insurance rates in Rhode Island compare to rates in other states How to get non-owner car insurance in Rhode Island Get instant quotes now ! Please enter valid zip Get quote