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Rhode Island Average Cost of Car Insurance Rates (2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Mark Steinbach

By: Mark Steinbach

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

How Much Does Car Insurance Cost In Rhode Island?

On average, car insurance rates for drivers in Rhode Island are $376 per month, and $4509 per year. The average rates make Rhode Island the 2nd most expensive state in the country for car insurance rates and 41% more expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $37650%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Rhode Island Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Rhode Island and has selected the following providers and quotes as the best rates for drivers in Rhode Island.

Cheapest CompaniesQuotes 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.
Progressive$89
Travelers$178
Liberty Mutual$256
American Family$306

Rhode Island Car Insurance Rates by City

For drivers in Rhode Island, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Rhode Island.

CityAvg. Monthly Rate 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.
Coventry$294
Cranston$330
Cumberland$267
East Providence$281
Johnston$342
Pawtucket$351
Providence$406
Warwick$280
West Warwick$303
Woonsocket$304

What Is the Average Cost of Car Insurance in Rhode Island by Age?

Buckle up, Rhode Island teens! Because if you plan to get behind the wheel, you’re looking at car insurance premiums that average out to $810 per month. Thankfully, these prices go down as you enter your 20s but still hover close to $500 on average.

From there, prices drop below the state average, steadying out to $339 per month for drivers in their 30s and an even more reasonable $301 for drivers in their 50s. So don’t worry—as you gain more experience behind the wheel, those massive rates you paid in your teens will be firmly in the rearview mirror.

AgeAvg. Monthly Rate 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.
Teens$810
20s$498
30s$339
40s$378
50s$301
60s$232
70s$238
>80s$235

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What Is the Average Cost of Car Insurance in Rhode Island by Gender?

When it comes to car insurance in Rhode Island, your rates might be high. For men in the state, rates are particularly high. At $394 per month, they pay $37 more than women for car insurance on average.

GenderAvg. Monthly Rate 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.
Male$394
Female$357

Does Marital Status Influence the Average Cost of Car Insurance in Rhode Island?

In Rhode Island, drivers can expect massive savings on car insurance if they get married. On average, married drivers pay $318 per month, compared to single drivers who pay $396 per month. This is a $78 difference, one of the largest disparities based on marital status in the nation. Married drivers have a car insurance rate that is $58 below the state average.

Marital StatusAvg. Monthly Rate 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.
Married$318
Single$396

Minimum Car Insurance Requirements in Rhode Island

All motor vehicles operated or parked on Rhode Island roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Rhode Island[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Rhode Island is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

How Does Credit History Affect Rhode Island Car Insurance Rates?

Rhode Island allows car insurance companies to consider your credit score when determining your car insurance rates. So those who have kept their credit in check will be delighted to learn that their average rates are $62 below the state average for car insurance. On the other end of things, those with a poor credit history pay a whopping $412 per month on average. Those with an average or good credit history sit in the middle at $364 per month and $360 per month, respectively.

Credit HistoryAvg. Monthly Rate 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.
Poor$412
Average$364
Good$360
Excellent$314

What Is the Average Cost of Car Insurance in Rhode Island for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Rhode Island will pay $67 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $36. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate 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.
No Violation$349
At-Fault Accident$386
Speeding$417

Tips for Researching Rhode Island Car Insurance Rates

When it comes to car insurance rates, how your monthly premium is determined can sometimes feel like a mystery. Prices vary between companies, based on a variety of factors. With many trusted carriers offering their services in Rhode Island, drivers in this small but mighty state will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

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FAQs - Rhode Island Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Rhode Island. 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.

  • The way to find the carrier with the best auto insurance ratings in Rhode Island and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Mark Steinbach
Mark Steinbach

Insurance Writer

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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Sources

  1. Rhode Island Department of Business Regulation Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022