Updated
Best car insurance companies in Rhode Island
Insurify’s data team analyzed rates, coverage options, user reviews, and third-party scores for 120+ insurance companies to see which offer the best prices on coverage. Here are the best Rhode Island car insurance companies that offer a blend of quality service and affordable coverage.
Amica: Best overall
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $225/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $386/mo |
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 3.9 | 2.9 |
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
Amica isn’t the cheapest insurer for Rhode Island drivers. But if you prioritize good service from your insurance company, you may appreciate this insurer.
Amica earned the second-highest score among New England insurers in JD Power’s 2026 U.S. Auto Insurance Study, and it also scores well for claims satisfaction. Given that the odds of getting into an accident in Rhode Island are higher than average, compared to the rest of the country, Amica may be worth the extra cost.
4.5 out of 5 stars on Trustpilot
Ranked No. 1 in New England for customer satisfaction, per JD Power
Abundant coverage options and discounts
Many user reviews cite expensive policies
Only one local Rhode Island office, located in Lincoln
Poor customer ratings through the Better Business Bureau (BBB)
USAA: Best for military and veterans
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $123/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Nearly 5% of Rhode Island residents likely could qualify for a policy through USAA, which focuses on serving active-duty military, veterans, and their families. USAA typically offers low rates, Insurify data shows. If you need to move out of the state, you can take your policy with you, since USAA offers coverage throughout the country and at some overseas duty locations.
A++ (Superior) AM Best financial stability rating
Cheap Rhode Island car insurance rates
Highest score for customer satisfaction in New England, per JD Power
Not available to the general public
No insurance branch offices in Rhode Island
Doesn’t offer true gap insurance
Allstate: Best for accident forgiveness
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $168/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $288/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.4 | 2.9 |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Allstate is the second-largest insurer in Rhode Island, according to National Association of Insurance Commissioners (NAIC) data. If the state’s high accident rates worry you, Allstate may be a strong option. You can tack on an accident forgiveness rider to your Allstate policy. This guarantees the insurer won’t raise your rates if you get into an accident, even if you caused it.
30% discount for sharing driving data, 20% for bundling
Optional accident forgiveness coverage
30-plus agency locations in Rhode Island
Slightly above-average complaint volume
Not the cheapest insurer in Rhode Island, according to Insurify data
Below-average customer claims satisfaction, per JD Power
Direct Auto: Best for high-risk drivers
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $159/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $298/mo |
Direct Auto's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 3.2 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.2 | 3.1 |
| Value | 3.2 | 2.9 |
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
Just over 6% of Rhode Island drivers have an accident in their driving history, per Insurify data; more than in most other states. Whether you’ve had a fender-bender or a driving under the influence (DUI) conviction, insurers are more likely to deny you coverage if you have dings on your driving record.
But Direct Auto says it offers low rates to high-risk drivers. It also offers easy-to-get discounts for putting multiple vehicles on a Direct policy, paying in full or by auto pay, and for joining its telematics program.
Offers policies for high-risk drivers, even those with coverage lapses
Choose your own payment due date, or get 12% off for paying in full
Additional coverage options for roadside assistance and emergencies
Rates are higher in Rhode Island compared to many competitors
Doesn’t offer accident forgiveness coverage
Just 1.5 out of 5 stars on Trustpilot and 1.18 out of 5 with the BBB
Travelers: Best for Rhode Island teens
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $193/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $297/mo |
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.7 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.4 | 2.9 |
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Learning to drive in a densely packed urban environment like Rhode Island can be challenging for teens, which could help explain why the state ranks as the fifth most-expensive state to insure teen drivers.
Travelers offers more discount opportunities for teenage drivers than many other insurance companies. Its good student, student away at school, driver training, and multiple car discounts could help families save money while insuring their teens.
Multiple discounts for teens
Discount for EV and hybrid car owners
109 local agent offices throughout Rhode Island
Rates are typically higher than competitors in Rhode Island
Below-average customer satisfaction rating in New England, per JD Power
Telematics discount program not available in Rhode Island
How we chose the best car insurance companies in Rhode Island 
Our editorial team analyzed regional and national auto insurance companies that sell policies in Rhode Island to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages. We also weighed third-party industry ratings like AM Best and JD Power.
Average cost of car insurance in Rhode Island
Rhode Island is the third-most-expensive state for car insurance, according to Insurify data. Rhode Island drivers pay averages of $178 for minimum coverage and $295 for full coverage each month, compared to just $99 and $187 nationwide, respectively.
Rhode Island is a densely packed state, with a population density of more than 1,061 people per square mile.[1] High population density can lead to traffic congestion and more car accidents.
Fatal accidents are relatively rare in Rhode Island, and fatalities decreased by nearly 29% in 2025.[2] But property damage claims were 50% more common in Rhode Island in 2022 compared to nationwide, according to NAIC data.
High auto repair costs are a main driver of Rhode Island’s steeper premiums, according to the Insurance Research Council. In June 2026, legislators also raised the total loss thresholds. Rhode Island insurers now can’t total a vehicle unless repair costs hit or surpass 85% of the vehicle’s fair market value.[3]
The change could require insurance companies to pay for costly repairs on vehicles they would previously have totaled. In turn, Insurify data analysts project that the change could raise Rhode Island’s car insurance rates further.
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How to get the best car insurance in Rhode Island
Here are some ways to maximize your coverage options while lowering your costs in Rhode Island:
Compare quotes
In our analysis, the most expensive companies charged over twice as much for the same policies, everything else being equal. Each time your policy is up for renewal, take some time to get an online quote from at least three separate companies.
Consider your flood risk
Rhode Island, being the Ocean State, sits largely at or just above sea level.[4] Much of the state is at risk for flooding. Only comprehensive coverage will pay for flood damage to a vehicle. (You can check your flood risk on First Street.) If you couldn’t afford to repair or replace your car on your own after flood damage, full coverage may be a good idea.
Double-check for discounts
Ask your local agent if you’re getting all the car insurance discounts you qualify for, such as signing up for paperless communications or installing an anti-theft device. If you have young drivers, ask about good student discounts.
Choose lower coverage amounts
In Rhode Island, 71% of drivers own their vehicles outright and could choose a liability-only policy to save money. Liability-only policies average $178 per month in Rhode Island, versus $295 per month for full coverage.
Take a defensive driving course
Many insurance companies offer a discount if you complete specific safe driving courses. Rhode Island state law even requires companies to offer this discount to drivers aged 55 and older.[5]
Best car insurance in Rhode Island FAQs
You can find cheap car insurance in Rhode Island if you take time to compare your options. Here’s what you need to know.
What are the best car insurance companies in Rhode Island?
Amica, USAA, and Direct Auto have some of the best car insurance rates for Rhode Island drivers and receive generally positive marks from independent reviewers.
What company has the cheapest car insurance in RI?
USAA offers the lowest prices on auto insurance coverage in Rhode Island. Its average cost for minimum coverage in the Ocean State is $80 per month.
Is GEICO or Progressive better in Rhode Island?
Both companies are well matched in rates and reputation, although GEICO has a slight edge in offering better customer service for lower prices.
What is the best car insurance company in Rhode Island for teen drivers?
Travelers offers the best rates for Rhode Island teens. It offers at least three different discount options for teen drivers.
Sources
- U.S. Census Bureau. "Rhode Island Quick Facts."
- National Highway Traffic Safety Administration. "Early Estimate of Motor Vehicle Traffic Fatalities and Fatality Rate in 2025."
- Rhode Island State Legislature. "Rhode Island Senate Bill 3115."
- Government of Rhode Island. "Historical information."
- State of Rhode Island General Assembly. "A N A C T RELATING TO INSURANCE - CASUALTY INSURANCE RATING."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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