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Rhode Island Car Insurance for Bad Credit Drivers

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Drivers With Bad Credit in Rhode Island (2022)

For drivers with bad credit in Rhode Island, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Rhode Island. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Rhode Island.

CarrierAvg. Monthly Cost
American Family Insurance$344
Liberty Mutual$398

Bad Credit Car Insurance in Rhode Island

Seafood (especially calamari) in the Ocean State is all the rage. If your credit has you turning down pricey menu items in favor of dinner at home, you aren't alone.

Being aware of your credit is the first step in fixing it. If you didn't already know, car insurance rates in Rhode Island are impacted by credit rating because insurance companies can use personal financial information to inform rates.

Rhode Island Car Insurance Rates for Bad Credit Drivers


Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Rhode Island?

Not convinced that your credit decisions play into your monthly premiums? They do. Drivers with bad credit pay about 21 percent more than average in Rhode Island.

When car insurance companies check your insurance score, they are looking at the kind of behavior that communicates risk. Not paying your bills on time and having too much outstanding credit are two red flags insurers note when checking in on your credit.

Avg. Monthly Cost - for Drivers with Good Credit
Avg. Monthly Cost - for Drivers with Bad Credit
$66 ▴
21.09% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

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Can I Get Car Insurance With No Credit Check in Rhode Island?

In Rhode Island there aren't many insurance companies that will write you a policy without first checking in on your credit. Credit behavior like paying your bills on time hints at how well you manage your money, and this information is invaluable to your insurer.

One way around revealing your credit score is to choose an insurance company that writes usage-based policies. These policies consider how long, how far, and how well you drive a car to determine rates and may or may not benefit you.

Rhode Island Car Insurance Rates by Credit Tier

The financial gap between those in the highest and lowest credit tiers is wide. Drivers with poor credit pay over $100 more than drivers with excellent credit. It's enough to make you rethink your credit-related behavior.

Credit TierAvg. Monthly Cost

Car Insurance Rates With Bad Credit in Rhode Island Cities

You'll pay a hefty sum for having bad credit in Providence and wanting to be on the road. The average monthly premium for motorists with poor credit is $468. With rates this high, you may find better by shopping around or even by moving one ZIP code over.

CityCredit TierAvg. Monthly Cost

Tips for Researching Bad Credit Rhode Island Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Rhode Island draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate 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 you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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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

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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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.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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