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.

Quotes by Top Carriers
Quotes ($/mo)
$129
$270
ProgressiveTravelers
Monthly $
CityCheapest Carrier
Progressive
$129/mo
Progressive
$238/mo
Progressive
$238/mo
Progressive
$261/mo
Progressive
$190/mo
Progressive
$183/mo
Progressive
$116/mo
Progressive
$103/mo
Progressive
$152/mo
Progressive
$113/mo
Progressive
$116/mo
Progressive
$113/mo
Progressive
$89/mo
Progressive
$113/mo
Progressive
$158/mo
Progressive
$116/mo
Progressive
$147/mo
Progressive
$89/mo
Progressive
$89/mo
Progressive
$113/mo

Cheapest Liability Auto Insurance in Rhode Island

For drivers in Rhode Island, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Rhode Island. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Rhode Island.

Cheapest Full Coverage Auto Insurance in Rhode Island

For drivers in Rhode Island, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Rhode Island. The following are the best insurance rates from carriers that offer full coverage auto insurance in Rhode Island.

Rhode Island Driving Facts

rhode-island

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.

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 Company
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 Company
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 Company
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 Company
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 Company
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

Insurify Insights: How Rhode Island Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Rhode Island drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Rhode Island

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Rhode Island drivers rank 9 in the number of car accidents per driver.

  • Rank of States: #9
  • Percent of drivers in Rhode Island with an accident: 11.69%
  • Drivers in RI with an accident in their driving history paid on average 29.05% more than drivers with a clean record

Speeding Rhode Island

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Rhode Island drivers rank 47 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #47
  • Percent of drivers in Rhode Island with a speeding ticket: 6.27%
  • Drivers in RI with a speeding ticket in their driving history paid on average 35.47% more than drivers with a clean record

DUI/DWIs Rhode Island

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Rhode Island drivers rank 48 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #48
  • Percent of drivers in Rhode Island with a DUI: 1.11%
  • Drivers in RI with a DUI in their driving history paid on average 5.41% more than drivers with a clean record

Most Popular Vehicle Rhode Island

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Rhode Island is the Honda Accord.

Rude Rhode Island

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Rhode Island drivers rank 8 in rude driving infractions.

  • Rank of States: #8
  • Percent of drivers in Rhode Island with a reckless driving violation: 1.82%
  • Drivers in RI with a reckless driving violation in their driving history paid on average 28.04% more than drivers with a clean record.

Safest Drivers Rhode Island

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Rhode Island drivers rank 13 in clean driving records across all fifty states.

  • Rank of States: #13
  • Percent of drivers in Rhode Island with clean record: 82.95%

Street Racing Rhode Island

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Rhode Island drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in Rhode Island with a street racing violation: --%

Failure to Yield the Right of Way Rhode Island

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Rhode Island drivers rank 37 in failure to yield violations per driver across all fifty states.

  • Rank of States: #37
  • Percent of drivers in Rhode Island with a failure to yield violation: 0.29%
  • Drivers in RI with a failure to yield violation in their driving history paid on average 5.74% more than drivers with a clean record

Reckless Drivers Rhode Island

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Rhode Island drivers rank 33 in the number of reckless driving offenses per driver.

  • Rank of States: #33
  • Percent of drivers in Rhode Island with a reckless driving offense: 0.07%

Hybrid/Electric Vehicle Ownership Rhode Island

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Rhode Island drivers rank 47 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #47
  • Percent of drivers in Rhode Island with a hybrid/electric vehicle: 0.48%

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

Coventry

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

Most Patriotic City

Warwick

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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