How Much Is Car Insurance in Rhode Island? (2026)

How much is car insurance in Rhode Island?

Average Rhode Island car insurance costs are $295 per month, or $3,544 per year, for a full-coverage policy. For liability-only insurance, the statewide average rate is $178 per month, or $2,133 per year.

Rhode Island car insurance premiums are much higher than the U.S. national monthly averages of $187 for full coverage and $99 for minimum coverage. Additionally, average rates in the Ocean State are higher than any other state in New England, based on Insurify quote data.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$178	$2,133
Full coverage	$295	$3,544

Disclaimer: Table data is based on real-time Rhode Island quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Minimum car insurance requirements in Rhode Island

The minimum car insurance requirements in Rhode Island are 25/50/25 in liability insurance.^[1] As an alternative to traditional car insurance, drivers can purchase a combined single-limit policy with at least $75,000 in personal liability insurance.

Coverage Type	Rhode Island Minimum Requirement
Bodily injury liability coverage	$25,000 per person/$50,000 per accident
Property damage liability coverage	$25,000 per accident

Rhode Island requires all car insurance companies to provide uninsured/underinsured motorist (UM/UIM) insurance with a minimum-coverage policy. But you can reject the coverage in writing if you don’t want it. If you keep UM/UIM coverage, the minimum limits are 25/50/25.^[2]

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Cheapest car insurance companies in Rhode Island

The cheapest insurer in Rhode Island for minimum coverage is USAA. Its liability-only rates are well below the statewide average.

Liability-only insurance is the cheapest insurance you can legally carry in Rhode Island because it doesn’t provide any protection for damage to your vehicle or for your own injuries. It only covers your financial responsibilities when you cause an accident that injures another person or damages their property.

The following table shows the cheapest car insurance companies in Rhode Island.

The below rates in Rhode Island are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
USAA	$80
State Farm	$103
Safeco	$119
Direct Auto	$159
Progressive	$166
Allstate	$168
GEICO	$172
Liberty Mutual	$177
Travelers	$193

Disclaimer: Table data sourced from real-time Rhode Island car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rhode Island may vary based on the policy buyer's unique driver profile.

Average Rhode Island car insurance rates by city

Warwick is the cheapest city in Rhode Island for car insurance, while the capital city, Providence, is the most expensive.

Providence has a very high population density of around 10,500 people per square mile, compared to 2,387 in Warwick. Providence County, where Providence is, also has more vehicle thefts than Kent County, where Warwick is. In 2025, thieves stole 889 vehicles in Providence County and 118 cars in Kent County.^[3]

In the table below, you can see the average cost of car insurance in different Rhode Island cities.

The below rates in Rhode Island are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

City	Average Monthly Quote
Warwick	$182
Pawtucket	$221
Providence	$246

Disclaimer: Table data sourced from real-time Rhode Island car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rhode Island may vary based on the policy buyer's unique driver profile.

Average Rhode Island car insurance rates by age

Car insurance premiums in Rhode Island vary based on age. Young drivers typically pay higher rates than older drivers because they lack experience behind the wheel. Auto insurance premiums tend to drop off as drivers get older, assuming they maintain a clean record and avoid claims.

In Rhode Island, the overall monthly average cost of car insurance is $457 for teen drivers, $250 for drivers in their 40s, and $200 for senior drivers.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$343	$568
Adults (40s)	$188	$311
Seniors	$150	$249

Disclaimer: Table data is based on real-time Rhode Island quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Rhode Island

Rhode Island drivers with violations on their record typically pay higher rates than drivers with a clean record. More than 4% of drivers in the state have a speeding ticket, and roughly 6% of drivers have been in an accident, according to Insurify data. And speeding was a factor in approximately 59% of all traffic fatalities in the state during 2024 and 2025.^[4]

Getting a driving under the influence (DUI) conviction usually has the biggest effect on car insurance rates in Rhode Island. Drivers with a DUI pay 23% more, on average, than people with a clean record. Unlike some other states, though, Rhode Island doesn’t require SR-22 insurance for high-risk drivers.

Driving Record	Average Monthly Quote in RI	% Increase Compared to Clean Driving Record
Clean driving record	$238	N/A
With speeding ticket	$291	22%
With accident	$316	33%
With DUI	$292	23%

Disclaimer: Table data is based on real-time Rhode Island quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Rhode Island?

From a high population density to a high percentage of drivers with accidents and speeding tickets, many factors push Rhode Island’s car insurance costs higher:

• Repair costs: Rhode Island has the most expensive vehicle repair costs in the country. Because insurers are responsible for higher payouts after a collision or comprehensive claim, this can affect car insurance premiums.

• Uninsured drivers: More than 12% of drivers in the state are uninsured, according to Insurance Research Council data. While car insurance companies in Rhode Island must offer UM/UIM coverage, drivers don’t have to carry it with a minimum-coverage policy.

• Credit-based insurance scores: Rhode Island insurers can use credit-based insurance scores to calculate premiums, and drivers with poor credit could pay a higher premium. Under Rhode Island law, you can request a new insurance score every two years, and if your credit improves, you might qualify for a reduced rate.

• Population density: Rhode Island is the most densely populated state behind Washington, D.C., and New Jersey, which means accidents might be more likely on congested roads. In fact, 6.2% of Rhode Island drivers have accidents on their records, according to Insurify data. That’s one of the highest percentages in the country. The mean commute time in Rhode Island is 26.3 minutes, and roughly 70% of commuters drive alone, according to census data.

• Poor road conditions: More than 70% of Rhode Island’s major roads are in poor or mediocre condition.^[5] Driving on rough roads costs the average Rhode Islander roughly $925 per year in additional car repairs, tire wear, depreciation, and fuel expenses.

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How Rhode Island car insurance rates have changed over the past five years

Rhode Island is one of the most expensive states in the U.S. for auto insurance, and rates have steadily climbed over the past few years. Average annual premiums increased from $2,374 in August 2023 to $3,618 in July 2025, according to Insurify’s quote data. 

Car insurance rates in Rhode Island have been climbing because vehicle repair costs are higher. Additionally, the number of fatal crashes in the state is going up. As of August 2026, fatal car accidents in Rhode Island had increased by 42%.^[6]

How to lower car insurance costs in Rhode Island

Here are some ways to get the cheapest car insurance in Rhode Island:

• Choose higher deductibles. You can typically save money on a full-coverage car insurance premium if you choose higher deductibles for collision and comprehensive coverage.

• Maintain a clean driving record. Under Rhode Island law, car insurance companies legally must provide a car insurance discount to drivers who have no recent at-fault accidents or violations in their driving history.

• Insure a vehicle with an anti-theft device. Rhode Island also requires auto insurers to provide a discount if your vehicle has an anti-theft device. Depending on the type and number of devices, you could save up to 35%.

• Research regional insurers. Consider getting quotes from regional insurers, like Quincy Mutual and Mapfre, which may have lower premiums than national companies.

• Bundle your policies. Most insurers offer a policy bundling discount if you purchase car insurance with home or renters insurance.

• Ask about discounts. Many Rhode Island insurers offer discounts for vehicles with safety features, for good drivers and good students, for completing a defensive driving course, and for having a low annual mileage.

Rhode Island average car insurance cost FAQs