Rhode Island Average Cost of Car Insurance Rates (2022)

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.

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.

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.

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.

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.

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.

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.

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.

"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.

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies