Cheapest Auto Insurance in Rhode Island (2024)

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

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Katie Powers
Edited byKatie Powers
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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 Friedlander
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 Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 June 20, 2024

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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 higher. In the Ocean State, liability-only coverage averages $153 per month, compared to the national average of $105.

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 Islands average cost of full-coverage car insurance is $196 per month, and liability-only coverage averages $153 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.

3 of the cheapest 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
USAA9.4$100$46Cheap rates
Safeco8.3$134$74Safe drivers
GEICO9.0$121$55Families
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer 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.
9.4
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.
$82/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.
$109/mo

USAA offers the most affordable car insurance premiums in the state, but many people 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, USAA 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

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

Best insurer 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.
8.3
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.
$121/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.
$128/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

Read our Safeco review
Thomas - June 17, 2024
Verified

Sham of a Company

They sent me paperwork to fill out, then two days after I received it, I got another letter telling me that I took too long to send it back. As a result, they refused to renew my policy.

Kenneth - June 17, 2024
Verified

Be Sure to Shop Around

They are expensive. They assume you're too lazy to shop around and will automatically renew like most people do.

Charles - June 17, 2024
Verified

Poor

The rates are too high.

Best insurer 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.
9.0
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.
$162/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.
$215/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

  • Doesnt offer new car replacement coverage

Read our GEICO review
Solomon - June 20, 2024
Verified

Educated Consumer

It's a good company; however, search other companies for a cheaper cost.

Gloria - June 20, 2024
Verified

Expensive

It's a good insurance, just expensive for me at this time.

George - June 20, 2024
Verified

Been with them for 22 years and no one has yet beaten their price for me

Check with other companies first. One of the best things they offer is a monthly policy term.

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.[3]

  • 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.

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.[4]

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.

Rhode Island-based drivers pay a monthly average of $153 for liability-only insurance. The following table provides examples of liability rates from some top insurers.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
USAA$82
Liberty Mutual$98
State Farm$106
Midvale Home & Auto$140
Progressive$162
GEICO$162
Nationwide$188
Travelers$199
Allstate$258
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.

Full-coverage policies in Rhode Island cost drivers an average of $196 per month. Here are the cheapest car insurance rates Rhode Island drivers can find to secure affordable full-coverage insurance.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
USAA$109
Safeco$128
State Farm$141
Liberty Mutual$196
Progressive$215
GEICO$215
Midvale Home & Auto$222
Nationwide$250
Travelers$264
Allstate$342
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 drive legally 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.[5]

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 $302 for full coverage and $235 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith Speeding Ticket
USAA$82$111
Liberty Mutual$98$145
State Farm$106$142
Midvale Home & Auto$140$196
Progressive$162$220
GEICO$162$220
Nationwide$188$257
Travelers$199$271
Allstate$258$349
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 $259 per month for full coverage and $202 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith Accident
USAA$82$105
Liberty Mutual$98$138
State Farm$106$135
Midvale Home & Auto$140$191
Progressive$162$211
GEICO$162$208
Nationwide$188$243
Travelers$199$257
Allstate$258$331
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 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 people who 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 $233. Here are quotes for drivers with a DUI from some top insurers in Rhode Island:

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith DUI
USAA$82$132
Liberty Mutual$98$157
State Farm$106$170
Midvale Home & Auto$140$225
Progressive$162$260
GEICO$162$260
Nationwide$188$302
Travelers$199$319
Allstate$258$414
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 decline gradually for decades. But 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 $133 per month for full coverage and $104 for liability-only policies. Compare the quotes for Rhode Island seniors from top insurers below:

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyFull CoverageLiability Only
USAA$79$59
State Farm$99$75
Progressive$139$104
Liberty Mutual$143$71
Midvale Home & Auto$154$97
GEICO$156$117
Nationwide$169$127
Travelers$188$142
Allstate$250$188
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 results 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.[6] 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 $353 per month for full coverage and $275 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyFull CoverageLiability Only
USAA$181$136
State Farm$239$180
GEICO$339$256
Liberty Mutual$362$181
Midvale Home & Auto$384$242
Progressive$389$293
Nationwide$428$322
Travelers$476$359
Allstate$600$453
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.

Find Cheap Car Insurance in Rhode Island

Liability policies average $1,838 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. 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 $175 per month. Drivers in the state pay $153 per month for liability coverage and $196 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 slightly less than the national average. In the Ocean State, drivers pay $196 per month for full coverage, compared to the national average of $214. But liability costs in the state trend higher than national averages — $153 versus $105 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.

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."
  2. Rhode Island Department of Transportation. "Impaired Driving."
  3. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Insurance Information Institute. "Auto insurance for teen drivers."
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
Photo of an Insurify author
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.

Featured in

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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 HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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