Best Cheap Auto Insurance in Rhode Island (2024)

USAA, Safeco, and GEICO offer some of the cheapest car insurance rates for Rhode Island drivers.

Sarah Sharkey
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Mark Friedlander
Reviewed byMark Friedlander
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Konstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated February 26, 2024 at 11:00 AM PST

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Rhode Island's overall and full-coverage car insurance averages are on par with national averages, according to Insurify data. But its liability car insurance costs are notably higher. In the Ocean State, liability-only coverage averages $136 per month, compared to the national average of $103.

A 50% increase in fatal traffic accidents from 2022 to 2023[1] and a high number of alcohol-impaired drivers[2] likely contribute to the Ocean State’s higher liability insurance costs.

Still, Rhode Island drivers can find affordable rates from USAA, Safeco, GEICO, and other insurers by comparing quotes from multiple companies. Here’s what you should know about finding affordable auto coverage in Rhode Island.

Quick Facts
  • Rhode Island's average cost of full-coverage car insurance is $179 per month; liability-only coverage averages $136 per month.

  • Nearly 44% of all fatal crashes in the state in 2022 involved alcohol, compared to the national average of 30%, according to the Rhode Island Department of Transportation.

  • In the first nine months of 2023, Rhode Island saw a 50% increase in the number of traffic fatalities, according to the National Highway Traffic Safety Administration.

Best car insurance companies in Rhode Island 

Every driver in Rhode Island has a unique situation that affects their insurance needs and rates. But some of the best insurance companies in the state offer more affordable auto rates than others by coverage level and driver profile.

If you want to lock in the best deal, it’s a good idea to shop around and compare quotes from multiple insurers. Below, you can learn about some of the cheapest and best insurance companies in Rhode Island to help you streamline your search.

Insurance CompanyInsurify Quality (IQ) ScoreAverage National Monthly Quote: Liability OnlyBest For
USAA4.5$46Cheap rates
Safeco3.8$66Safe drivers
GEICO4.2$119Families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best for cheap rates: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
884
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$83/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$112/mo

USAA offers the most affordable car insurance premiums in the state, but many don’t qualify for coverage. The company only offers coverage to active-duty military, reservists, veterans, and qualifying family members. In addition to low rates, the insurer has relatively high customer satisfaction ratings and a handful of discounts.

Pros
  • Cheap coverage

  • High customer satisfaction ratings

Cons
  • Limited membership eligibility

  • No customer service available on Sundays

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best for safe drivers: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$84/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$157/mo

Safeco tends to offer low rates for Rhode Island car insurance. Specifics vary, but safe drivers can save money through the company’s accident forgiveness benefit, claims-free cash back, and diminishing deductible coverages. Drivers can also earn savings through the RightTrack telematics program.

Pros
  • Ability to earn cash back after claims-free period

  • Robust selection of insurance products

Cons
  • Just 1.7 stars (out of 5) on Trustpilot

  • Limited available discount options

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

Best for families: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$163/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$220/mo

Owned by Berkshire Hathaway, GEICO is the third-largest U.S. auto insurer by market share. Rhode Island families may find GEICO appealing for its competitively low rates, including for young drivers who typically pay more for coverage. The company also offers numerous discounts that can help families save even more, such as for being a good student, staying accident-free for five years, having multiple vehicles on one policy, having multiple GEICO policies, and even for being in the military or a federal employee.

Pros
  • Competitive rates for many Rhode Island drivers

  • Offers accident forgiveness coverage

Cons
  • Higher rates for drivers with certain violations, like DUIs

  • Doesn't offer new car replacement coverage

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance in Rhode Island

After a car accident, liability-only car insurance helps you pay for the damages or injuries you caused to the other driver and their passengers. For example, your liability insurance can kick in to repair another party’s vehicle or pay for their medical bills.[3]

In general, minimum-coverage car insurance is the most affordable policy option, but it may not include all the coverage you want. You should make sure this coverage offers enough financial protection for your situation. Insurance professionals generally recommend you buy more liability than your state’s minimum required amount.

The following table provides examples of liability rates from some top insurers.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
USAA83
Safeco84
Liberty Mutual99
Midvale Home & Auto132
GEICO163
Progressive164
Nationwide190
Travelers201
Allstate261
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Rhode Island

Full-coverage auto insurance extends beyond a liability-only car insurance policy to offer significantly more vehicle protection. On top of liability coverage, this type of policy includes comprehensive and collision coverage. If you finance or lease your vehicle, your lender or leasing company will typically require you to buy full coverage. But it's a good idea to consider full coverage, even if you're not required to buy it.

After an accident, collision coverage can help you pay to repair your vehicle or purchase a replacement vehicle. If you encounter a different kind of incident, like a fallen tree or natural disaster, comprehensive coverage can help you get back on the road.

Here are the cheapest car insurance rates Rhode Island drivers pay for full-coverage insurance.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
USAA112
Safeco157
Liberty Mutual209
Midvale Home & Auto218
GEICO220
Progressive221
Nationwide256
Travelers280
Allstate351
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Rhode Island

Rhode Island drivers must carry a minimum amount of car insurance to legally drive in the state. The minimum-coverage requirements include the following:

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Bodily injury liability

    $25,000 per person and $50,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    Property damage liability

    $25,000 per accident

You may decide you want more coverage than the minimum liability coverage required in the state. Common optional coverages that provide more protection include:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage kicks in if you have an accident that causes vehicle damage. This includes collisions with other vehicles, or with an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision incident — such as severe weather, theft, fire, or vandalism — causes vehicle damage, comprehensive insurance covers it.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Also called MedPay, this coverage takes care of medical bills for you and your passengers following an accident.

Cheapest car insurance for drivers with an incident

Depending on the severity of the offense, making a mistake while driving can have a lasting effect on the cost of your auto insurance premiums for several years. In general, drivers with an incident, including speeding tickets, driving under the influence, and at-fault accidents, pay more for car insurance than drivers with a clean record.[4]

Find Cheap Car Insurance in Rhode Island

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Cheapest car insurance for drivers with a speeding ticket

The initial penalty of a speeding ticket is a fine. But after you pay the fine, you’ll likely also deal with higher car insurance premiums for three to five years because insurers consider speeding tickets as indicators of risk.

Rhode Island drivers with speeding tickets pay a monthly average of $258 for full coverage, and $196 for liability-only policies, according to Insurify data. Here are the cheapest monthly quotes for Rhode Island drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
USAA145107
Safeco219117
GEICO284211
Liberty Mutual290138
Progressive297220
Nationwide334248
Travelers368264
Allstate453337
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

Most insurers consider past at-fault accidents as indicators of future claims. After you have one or more at-fault accidents, you’ll typically have to pay higher car insurance premiums. You may be able to keep your rates lower after an at-fault accident if you buy accident forgiveness coverage first.

An at-fault accident in Rhode Island pushes average car insurance rates to $226 per month for full coverage, and $172 for minimum coverage. Take a closer look at monthly quotes offered by Rhode Island insurers for drivers with an at-fault accident:

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
USAA140103
Safeco216115
GEICO275203
Liberty Mutual282133
Progressive288214
Nationwide322239
Travelers354254
Allstate437325
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DWI

A DWI charge is one of the most serious moving violations a driver can incur. Drivers with a DWI tend to pay much more for car insurance than drivers with a clean record or less serious incidents, like a speeding ticket. You can see higher rates for three to five years following a conviction for driving while impaired.

Impaired driving is a significant problem in Rhode Island. Every year, law enforcement agencies around the state arrest about 3,000 people for driving under the influence, and nearly 70% of those suspects refuse blood alcohol testing, according to RIDOT. The average blood alcohol concentration of those would do submit to testing is approximately 0.17, which is more than twice the legal limit.

The impact of a DUI pushes liability rates especially high in Rhode Island, where the average cost of liability-only coverage following a DUI is $199. Here are quotes for drivers with a DUI from some top insurers in Rhode Island:

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
USAA169125
Safeco237127
Liberty Mutual315149
GEICO332246
Progressive333247
Nationwide386286
Travelers422303
Allstate529393
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: How Long Does a DUI Stay on Your Record?

Learn More: How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors

Insurers consider your age when determining premiums. Most drivers can expect rates to drop off significantly between the ages of 25 and 35 and continue to gradually decline for decades. However, the trend tends to reverse slightly around age 70. You might start to see marginally higher auto insurance premiums increase as a senior driver due to increased accident risk.

The average cost of car insurance for Rhode Island senior drivers is $119 per month for full coverage and $90 for liability-only policies. Compare the quotes for Rhode Island seniors from top insurers below:

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
USAA8160
Safeco12165
Progressive142106
Liberty Mutual15473
GEICO157116
Nationwide173129
Travelers199143
Allstate256190
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teen drivers have the least amount of experience behind the wheel and the highest accident frequency of any age group, which tends to result in the highest costs for auto insurance premiums by driver age. Though you can’t change your age, young drivers don’t need to overpay for auto insurance.

You can save on car insurance as a teenager by staying on your parents’ insurance company, increasing your deductible, getting good grades, and driving a safer vehicle.[5] If you're younger than 18, you won't be able to buy your own policy without the written consent of a parent or guardian. Comparing rates across multiple insurance companies can help you find the best deal for your unique situation.

On average, car insurance for Rhode Island teens costs $430 per month for full coverage and $327 for liability-only insurance. Explore the rates for young drivers in Rhode Island below to begin your search:

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
USAA220163
Safeco330177
GEICO415307
Liberty Mutual420199
Progressive463344
Nationwide517384
Travelers591424
Allstate725539
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Rhode Island

You can’t avoid the expense of car insurance, but you can make sure you don’t pay more than you need to for coverage. Consider the strategies below to help you find the best rates for your driving situation:

  • Shop around. Comparing quotes from multiple insurance companies can help you find the cheapest car insurance for your needs. Consider shopping around each year because the cheapest options will change over time.

  • Increase your deductible. In general, a higher collision or comprehensive deductible leads to lower auto insurance premiums. If you can afford a higher deductible, this is a viable route.

  • Ask for discounts. Many insurance companies offer a lengthy list of discounts, so you can always ask whether you qualify for any.[6]

  • Consider telematics. Telematics-based coverage uses a device or mobile app to track your driving habits. Many insurers offer discounts just for enrolling, and some reward good driving with premium reductions.

Find Cheap Car Insurance in Rhode Island

Liability policies average $1,626 per year

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Rhode Island car insurance quotes by credit tier

Rhode Island insurers can consider your credit history when determining your premium. In general, drivers with excellent or good credit scores pay less for car insurance than drivers with poor credit scores. If you want to use this to your advantage, you can work on improving your credit score by paying bills on time and disputing mistakes on your credit report.

Here’s what Rhode Island drivers pay for auto coverage by credit tier on average:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Rhode Island car insurance FAQs

You have to consider a lot of factors when determining how much auto coverage you need and what you value in an insurer. Find more information about buying coverage in Rhode Island below.

  • How much is car insurance in Rhode Island?

    The overall average cost of car insurance in Rhode Island is $157 per month. Drivers in the state pay $136 per month for liability coverage and $179 for full-coverage car insurance. Your specific rate depends on your insurer, driving record, age, vehicle type, and more.

  • What are the best car insurance companies in Rhode Island?

    USAA is the best car insurance company selling coverage in Rhode Island. Other top insurers in Rhode Island include Safeco and GEICO. But the best company for you will depend on your coverage needs and individual driver profile.

  • Is car insurance cheaper in Rhode Island?

    Rhode Island's average cost of full-coverage car insurance is on par with the national average. In the Ocean State, drivers typically pay $179 per month for full coverage, compared to the national average of $210. But liability costs in the state trend higher than national averages – $136 versus $103 at the national level.

  • Is Rhode Island a no-fault state?

    No. Rhode Island is an at-fault, or tort, state. If you cause an accident, you — and your insurer — must cover the cost of property damage and bodily injury you cause the other driver and their passengers.

Insurify Insights

How Rhode Island Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Rhode Island below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Rhode Island drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Rhode Island

#43

State with the Most Speeding Tickets Rank

#33

State with the Moving Violations Rank

#49

State with the Most DUIs Rank

#44

State with the most Suspended Licenses

  • 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. Rhode Island is the #19 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #19
    • Percent of drivers in Rhode Island with an accident: 9.2%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Rhode Island is the #49 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #49
    • Percent of drivers in Rhode Island with a DUI: 0.6%
  • 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. Rhode Island is the #21 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #21
    • Percent of drivers in Rhode Island with a reckless driving offense: 1.4%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Rhode Island is the #21 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #21
    • Percent of drivers in Rhode Island with a rude driving violation: 1.6%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Rhode Island is the #43 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #43
    • Percent of drivers in Rhode Island with a speeding ticket: 6.5%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Rhode Island is the #28 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #28
    • Percent of drivers in Rhode Island with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. National Highway Traffic Safety Administration. "Early Estimate of Motor Vehicle Traffic Fatalities For the First 9 Months (January–September) of 2023." Accessed February 26, 2024
  2. Rhode Island Department of Transportation. "Impaired Driving." Accessed February 26, 2024
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 6, 2023
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 6, 2023
  5. Insurance Information Institute. "Auto insurance for teen drivers." Accessed July 6, 2023
  6. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed July 6, 2023
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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