Cheap Auto Insurance Quotes in Rhode Island (2021)

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Rhode Island offers delicious food, an active arts scene, tight-knit communities, and towns and cities that are perfect for a bike ride or stroll. No wonder almost none of its over one million residents want to leave. Not to mention that no two points are more than an hour’s drive away. But before you pass that big blue bug on I-95, beaches too chilly to swim, or the farms off Route 102, are you getting the best rate on your car insurance?

 

Cheapest Car Insurance in Rhode Island

Here are the cheapest carriers in Rhode Island for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Rhode Island.

Best Car Insurance in Rhode Island

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Rhode Island. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Rhode Island

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Rhode Island to find you the cheapest quotes in each of these metropolitan areas.

Providence is Rhode Island's most populous city. As the state capital, it's also at the center of recent legal mandates for "hands-free" driving across the state.

CityCheapest CarrierQuote
ProgressiveProgressive
$129/mo
ProgressiveProgressive
$238/mo
ProgressiveProgressive
$238/mo
ProgressiveProgressive
$261/mo
ProgressiveProgressive
$190/mo
ProgressiveProgressive
$183/mo
ProgressiveProgressive
$116/mo
ProgressiveProgressive
$103/mo
ProgressiveProgressive
$152/mo
ProgressiveProgressive
$113/mo
ProgressiveProgressive
$116/mo
ProgressiveProgressive
$113/mo
ProgressiveProgressive
$89/mo
ProgressiveProgressive
$113/mo
ProgressiveProgressive
$158/mo
ProgressiveProgressive
$116/mo
ProgressiveProgressive
$147/mo
ProgressiveProgressive
$89/mo
ProgressiveProgressive
$89/mo
ProgressiveProgressive
$113/mo

Rhode Island Driving Facts

Minimum Car Insurance Requirements in RI

The state of Rhode Island requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Rhode Island are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that Rhode Island state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in Rhode Island are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Rhode Island requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

rhode-island

Cheapest Car Insurance Quotes in Rhode Island by Profile

Here are the cheapest insurance companies in Rhode Island based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Rhode Island drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Rhode Island, at $89 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
Progressive
$89/mo
Travelers
$178/mo
Liberty Mutual
$256/mo
American Family
$306/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuotes
State Farm
$33/mo
Progressive
$95/mo
USAA
$110/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuotes
State Farm
$47/mo
USAA
$69/mo
Travelers
$75/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuotes
State Farm
$34/mo
USAA
$55/mo
Quincy Mutual
$104/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Rhode Island, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. State Farm offers the cheapest car insurance rates for young drivers, averaging $34 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Rhode Island 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Rhode Islanders lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuotes
State Farm
$34/mo
USAA
$44/mo
Travelers
$47/mo

SR‌-22 Insurance in Rhode Island

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Rhode Island on your behalf.

RI DMV Information

The Rhode Island Division of Motor Vehicles (DMV) has six branch offices, has four road test sites, and partners with seven AAA offices throughout the state. DMVs are walk-in-friendly, and you can schedule a road test anytime online. 

The online system lets you skip the drive and amongst other services, you can:

  • Change your address
  • Check driver’s license status
  • Download your driving record
  • Purchase vanity plates
  • Renew your driver’s license or registration

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Rhode Island

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Rhode Island offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Warwick

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Providence

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Pawtucket won Insurify's Most Patriotic Cities Award for the state of Rhode Island. It was once a major node of the textile industry during the Industrial Revolution.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Rhode Island is vital for all car insurance shoppers hitting the road in The Ocean State.

road with cars illustration

Road Rankings

41%Rural Roads in
Poor Condition

#1
Ranked

22%Structurally Deficient
Rural Bridges

#1
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#40
Ranked


FAQs - Rhode Island Car Insurance

What happens if I get caught driving uninsured in Rhode Island?

The penalties in Rhode Island can be harsh. If you get caught, you can be fined between $100 and $500. Your license, registration, and plates will be suspended for three months. You must pay up to $685 in reinstatement, license, and administrative fees. You also must maintain SR-22 filing for one year. The state uses the Rhode Island Insurance Verification System to check for insurance. You’ll receive a letter after if your VIN does not match an insurance policy for four consecutive weeks.

How is fault assigned after a car accident in Rhode Island?

Rhode Island is an at-fault state. In Rhode Island, the person responsible for the accident pays for medical expenses and damages. In a no-fault state, the insurance provider pays legitimate claims regardless of fault.

Who has the cheapest car insurance in Rhode Island?

The best way to find the cheapest car insurance for Rhode Island drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few minutes.