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Rhode Island Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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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
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
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
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
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
Married$318
Single$396

What Are the Minimum Car Insurance Requirements in Rhode Island?

Rhode Island requires a fairly standard amount of car insurance, with $25,000 in bodily injury liability per person and $50,000 per accident. So if someone is harmed in an accident where you are at fault, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers in the Ocean State must have $25,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident. The state does not require any sort of uninsured/underinsured insurance to go with your policy.

rhode-island

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
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
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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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

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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