Average Car Insurance Cost in Rhode Island (2024)

In Rhode Island, drivers pay an average of $148 per month for a full-coverage policy. Average car insurance rates in Rhode Island are more expensive than the national average — possibly due to the serious weather events and dense urban population in the smallest U.S. state.^[1]

Here’s a closer look at how you can find affordable car insurance coverage and the best policy for you in Rhode Island.

What’s the average cost of car insurance in Rhode Island?

Rhode Island drivers pay average monthly car insurance premiums of $84 for liability insurance and $148 for full-coverage auto insurance.

But the rates you receive will depend on your driver profile, including factors like your credit history, gender, marital status, driving history, vehicle make and model, coverage levels, and policy limits.

This table shows the average car insurance costs in Rhode Island broken down by the cheapest auto insurance companies.

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Average Rhode Island car insurance rates by city

The city and ZIP code you live in will help determine the car insurance quotes you receive in Rhode Island. For example, you can expect to pay more for an auto policy if you live in an urban area due to higher accident rates and a greater chance of crimes, like theft. If you live in a rural or suburban area, you’re more likely to earn more competitive rates.

Here’s a look at average car insurance premiums in Rhode Island’s most populated city.

Average Rhode Island car insurance rates by age

Your age affects how much you pay for auto insurance. Teenagers and young drivers typically pay higher car insurance rates than older drivers because young adult drivers have less experience behind the wheel. Average rates usually decrease with age starting around age 25 but increase again for senior drivers 70 and older.

The table below shows average auto insurance costs for full-coverage policies in Rhode Island, by age group.

How gender affects car insurance rates in Rhode Island

Gender can affect auto insurance costs in Rhode Island. In general, men pay a higher average annual cost for an auto policy than women because studies indicate men are more likely to get into car accidents. Age is also crucial because it’s a marker of how much driving experience you have.^[3]

Here’s a look at average full-coverage premiums in Rhode Island by age and gender.

How your driving record affects car insurance rates in Rhode Island

At-fault accidents, speeding tickets, and driving under the influence (DUIs) are all driving incidents that can raise your premiums. When you have incidents or serious traffic violations on your record, car insurance companies will perceive you as a high-risk driver who may file more claims than a driver with a clean record.

The table below outlines how driving records affect car insurance premiums in Rhode Island.

Average Rhode Island car insurance rates by marital status 

Your marital status can affect the price of a car insurance policy in Rhode Island. It can be easier to secure multi-vehicle, multi-policy bundling, and homeowner discounts as a married couple, which can result in slightly cheaper average rates than single drivers.

Here’s an overview of the average rates in Rhode Island for single and married drivers.

Average Rhode Island car insurance rates by credit tier

Like most states, Rhode Island allows car insurers to look at your credit-based insurance score when determining premiums. Drivers with good credit history usually earn lower rates than people with poor credit history.

The table below shows average rates for Rhode Island residents based on credit history.

Rhode Island car insurance FAQs