Average Car Insurance Cost in Rhode Island (2025)
Drivers in Rhode Island pay an average of $115 per month for car insurance.
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Written byMichelle Lambright Black
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Michelle Lambright Black is a credit expert, freelance writer, and founder of CreditWriter.com. She has over 20 years of experience writing and speaking about credit and money, and focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance). Michelle's work has appeared in publications such as Yahoo! Finance, Reader's Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, and more. She's also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation. When she isn't writing or speaking about credit and money, Michelle loves to travel with her family or read a good book. You can connect with Michelle on Instagram or Twitter.
Michelle has been a contributor at Insurify since September 2023.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
In Rhode Island, full-coverage car insurance costs an average of $144 per month. Compared to the rest of the country, where the average price of full-coverage car insurance is $196 per month, the Ocean State’s auto insurance rates are below average.
Like some other parts of the U.S., car insurance rates in Rhode Island have been volatile over the last few years. In 2023, the Rhode Island average cost of full-coverage car insurance was $198 per month. As of February 2025, drivers in the state pay an average of $144 per month for full coverage.
Due to the shift in rates, it’s important for drivers to compare rates from multiple insurance companies to find the best policy at the best price. Here’s what Rhode Islanders need to know about the average rate of car insurance in the Ocean State.
Quick Facts
The average cost of minimum-coverage car insurance in Rhode Island is $87 per month.
Rhode Island requires drivers to carry a minimum-coverage level of 25/50/25.
USAA, Direct Auto, and Liberty Mutual have the lowest average car insurance rates in Rhode Island.
How much is car insurance in Rhode Island?
In Rhode Island, liability-only car insurance costs an average of $87 per month, or $1,040 per year. Rhode Island drivers who opt to purchase full-coverage auto insurance pay an average of $144 per month, or an annual rate of $1,729.
Exact car insurance rates may vary based on a wide range of factors. For example, details like your driving record, location, credit history, deductible, coverage amount, and the insurance company you choose could all come into play.[1] Still, it’s helpful to understand average insurance costs so you’ll know if you’re getting good car insurance coverage for an affordable price.
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Rhode Island rates average $115/mo.
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How Rhode Island car insurance rates have changed over the past two years
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To find car insurance rates in Rhode Island and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Rhode Island rose to $2,400 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Rhode Island.
See how Rhode Island car insurance prices have changed over the past two years below.
Average Rhode Island Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Rhode Island car insurance rates by city
Average car insurance rates may differ based on where you live within a state. Rhode Island has more than 400 miles of coastline. So, residents living in coastal cities that could face damage from coastal storms and flooding might pay a higher average rate for car insurance compared to people who live inland. Rhode Island drivers who live in densely populated areas might also pay higher car insurance costs due to higher crime rates.
See the table below for the average monthly cost of car insurance for Rhode Island drivers in Providence.
Location | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Providence | $108 | $185 |
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.
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Car Insurance Requirements in Rhode Island (2025)
Average Rhode Island car insurance rates by age and gender
Age and gender can also affect the cost of your car insurance premiums. In Rhode Island, teen drivers pay the highest rates for car insurance due to their lack of experience behind the wheel. Auto insurance rates typically start to go down for drivers by age 25.
In Rhode Island, a 60-year-old driver may pay the most affordable car insurance premiums due to their ample experience and driving history. See the table below for a look at the average rates for Rhode Island drivers by age and gender.
Age  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $184 | $307 |
| 18 | $160 | $267 |
| 20 | $116 | $195 |
| 25 | $102 | $171 |
| 30 | $88 | $147 |
| 40 | $75 | $126 |
| 50 | $62 | $103 |
| 60 | $62 | $104 |
| 70+ | $56 | $94 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $173 | $289 |
| 18 | $150 | $251 |
| 20 | $110 | $183 |
| 25 | $96 | $161 |
| 30 | $82 | $139 |
| 40 | $71 | $118 |
| 50 | $58 | $97 |
| 60 | $58 | $98 |
| 70+ | $52 | $105 |
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.
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Average cost to insure popular vehicles in Rhode Island
The type of vehicle you drive can also influence your car insurance rate. Newer vehicles often carry a higher price tag when it comes to repairs and replacements. But they may also come with safety features that have the potential to help drivers lower the severity and frequency of car accidents.
It’s unsurprising that two of the most popular vehicles in Rhode Island are trucks. After all, the state receives anywhere from 20 to 55 average inches of snowfall per year (depending on location). Meanwhile, the Toyota RAV4, Hyundai Tucson, and Honda CR-V might appeal to drivers who value fuel economy, comfort, and lower emissions.
See the table below for a look at the five most popular vehicles among Rhode Island drivers and the average cost to insure them.
Vehicle | Average Monthly Quote |
|---|---|
| Toyota RAV4 | $137 |
| Hyundai Tucson | $143 |
| Ford F-Series | $140 |
| Honda CR-V | $125 |
| Toyota Tacoma | $139 |
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.
How your driving record affects car insurance rates in Rhode Island
Your driving record also plays a key role in your auto insurance rates. In general, finding good car insurance coverage at an affordable price is easier for people with clean driving records. But if you have a driving record with a history of car accidents, speeding tickets, or DUIs, you risk paying higher auto insurance premiums.
Rhode Islanders with a clean record pay $115 per month, on average. The table below compares average car insurance rates for Rhode Island drivers with an incident on their driving record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $162 | 41% |
| With speeding ticket | $169 | 47% |
| With DUI | $185 | 61% |
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.
Your credit history has the potential to affect your car insurance rates in Rhode Island.[2] Good or excellent credit could save you money and help you find a cheap rate on car insurance coverage.
The table below shows the average car insurance rate drivers pay in Rhode Island based on their credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $80 $134 Good $82 $137 Average $82 $137 Poor $101 $170 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.
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How to lower your insurance costs in Rhode Island
As a driver, you have little control over how much an insurance company charges to insure your vehicle. Still, you can take some steps to improve your chances of finding a cheap rate on car insurance.
Below are several things that might help you lower your insurance costs in Rhode Island:
Shop around
One of the most effective ways to find cheap car insurance in Rhode Island is to shop around and compare rates from different insurance companies. Rates can vary based on your driving record and other factors. The cheapest insurance company for one driver might not offer cheap car insurance for another.
Increase your deductible
Another way to lower your annual rate on car insurance is to raise your insurance deductible on collision and comprehensive insurance policies. It’s important to make sure you have enough money to pay for any out-of-pocket costs that occur if you’re in a car accident. Otherwise, you could be stuck with physical damage to your vehicle that you can’t afford to repair.
Complete a safe driver course
Taking a defensive driving course not only has the potential to help you improve your driving skills, but it could also save you money on your premium, depending on the insurance company.
Lower your coverage amount
It’s critical to have coverage that meets Rhode Island’s legal requirements. But if your insurance premium is high, you might consider reducing the coverage amount you carry in the following categories.
Search for other discounts
Depending on the insurance company, you may be eligible for discounts that could reduce your annual rate of car insurance. Good-grade discounts, military discounts, anti-theft discounts, and bundling discounts are a few potential ways to save.
Rhode Island average car insurance cost FAQs
If you’re shopping for cheap car insurance in Rhode Island, the following information may help as you research your options.
The average annual rate of car insurance in Rhode Island is $1,729 for full coverage. In comparison, Rhode Island drivers who opt for liability-only car insurance pay an average rate of $1,040 per year.
USAA could be a good option if you’re looking for cheap car insurance, as the company offers the most affordable average rates to eligible Rhode Island drivers. The average annual rate of liability-only coverage with USAA is $82 per month.
Other affordable insurance companies in Rhode Island include Direct Auto, at $96 per month, and Liberty Mutual, at $100 per month for liability-only policies.
The cost of car insurance coverage in Rhode Island can vary based on many factors. The average cost of liability-only car insurance is $87 per month. Full coverage costs an average of $144 per month. But you may pay more or less than the average rate for the state depending on details like the car you drive, your desired coverage amount, credit history, age, and driving record.
USAA, Direct Auto, and Liberty Mutual are three of the best auto insurance companies in Rhode Island. Still, it’s always wise to shop around and compare multiple options. As you compare companies, look for companies that offer good car insurance rates, high customer satisfaction ratings, and other features that may be important to you.
Minimum liability car insurance requirements for the state of Rhode Island are as follows:
$25,000 per person in bodily injury liability
$50,000 per car accident in bodily injury liability
$25,000 per accident in property damage liability
Per Rhode Island car insurance laws, drivers can opt to buy a single-limit policy with at least $75,000 in combined coverage instead if they prefer.[3]
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
- 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.
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Sources
- III. "What determines the price of an auto insurance policy?."
- Experian. "Credit-Based Insurance Scores vs. Credit Scores."
- Rhode Island Department of State. "Automobile Insurance Rating."
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Michelle Lambright Black
Michelle Lambright Black is a credit expert, freelance writer, and founder of CreditWriter.com. She has over 20 years of experience writing and speaking about credit and money, and focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance). Michelle's work has appeared in publications such as Yahoo! Finance, Reader's Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, and more. She's also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation. When she isn't writing or speaking about credit and money, Michelle loves to travel with her family or read a good book. You can connect with Michelle on Instagram or Twitter.
Michelle has been a contributor at Insurify since September 2023.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.