Best Car Insurance in Rhode Island (2026)

Allstate, Direct Auto, and USAA are some of the best car insurance companies in Rhode Island.

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4.7 / 518K reviews
Lindsay VanSomeren
Writer: Lindsay VanSomerenInsurance and Personal Finance Writer

Qualifications:
  • 8 years in insurance and personal finance writing

  • Former data scientist for U.S. Geological Survey


Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

MacKenzie Korris
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Headshot of industry expert Daniel Roccato
Reviewer: Daniel RoccatoAdvisor

Qualifications:
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego


Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated

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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
Details
4.5
Best choice in Rhode IslandBased on 196 verified driver reviews and ratings
Amica's score
Industry average
Coverage options4.43.2
Customer service4.33.6
Discounts3.82.9
Policy transparency4.33.1
Value3.92.9
How drivers feel about Amica

Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.

Based on analysis of verified reviews collected by Insurify

Best in Rhode Island for
24/7 claims service
Bundling discounts
High customer satisfaction
Showing recent national reviewsSee all 107 Amica reviews
Justin
Verified Review
Car insurance
Excellent, very professional and knowledgeable staff.
Scott
Verified Review
Amica is an excellent choice
Excellent customer service.
Sarah
Verified Review
You get great service with car insurance, but you get what you pay for: High price, great service.
Amica is great. Customer service and claims both have great communication. It's just too pricey for my budget right now.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

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.

Pros
  • 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

Cons
  • 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
Details
4.9
Best choice in Rhode IslandBased on 4,376 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

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.

Based on analysis of verified reviews collected by Insurify

Best in Rhode Island for
Members of the military community
Outstanding customer service
Competitive rates
Showing recent national reviewsSee all 1,736 USAA reviews
Edy
Verified Review
Looking to Save Money
I love USAA, but I think I’m paying way too much for the privilege of using them.
Alex
Verified Review
The rent is too damn high.
Insurance today is very expensive. I think overall it has become a monopoly.
Jennifer
Verified Review
I Really Like USAA, But...
I’ve never had any problems with USAA. They’ve been quick to settle claims and quick to offer assistance after an accident that wasn’t my fault, including following up with the other driver’s insurance. They’ve also been fast to make policy changes, but I still think they’re a little overpriced. I do get a veterans discount. They’re always very courteous on the phone and excellent about getting information to me and connecting me with the right people. Today, I’m going to talk to them about combining my auto policy with my home insurance policy.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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.

Pros
  • A++ (Superior) AM Best financial stability rating

  • Cheap Rhode Island car insurance rates

  • Highest score for customer satisfaction in New England, per JD Power

Cons
  • 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
Details
3.9
A solid option in Rhode IslandBased on 12,510 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options3.93.2
Customer service4.03.6
Discounts3.92.9
Policy transparency3.83.1
Value3.42.9
How drivers feel about Allstate

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.

Based on analysis of verified reviews collected by Insurify

Best in Rhode Island for
Accident forgiveness
Wide availability
Cheap rates
Showing recent national reviewsSee all 4,789 Allstate reviews
Carlos
Verified Review
Rate went up for no reason, and Customer Care won't help
They took away my discounts for no reason. They said they can’t add them back because the system won’t let them, and that I need a whole new policy to get them back.
Rico
Verified Purchase
Buyer Beware
Make sure you know the discounts up front, because they changed my price dramatically due to a lack of prior insurance. I didn’t own a car before.
Joann
Verified Review
Happy at First
They give you a great rate, but then if you have any kind of claim—even if it’s not your fault—your rates increase to more than double.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

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.

Pros
  • 30% discount for sharing driving data, 20% for bundling

  • Optional accident forgiveness coverage

  • 30-plus agency locations in Rhode Island

Cons
  • 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
Details
3.2
A solid option in Rhode IslandBased on 1,916 verified driver reviews and ratings
Direct Auto's score
Industry average
Coverage options3.23.2
Customer service3.23.6
Discounts3.42.9
Policy transparency3.23.1
Value3.22.9
How drivers feel about Direct Auto

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.

Based on analysis of verified reviews collected by Insurify

Best in Rhode Island for
High-risk drivers
Ample discounts
24/7 claims support
Showing recent national reviewsSee all 559 Direct Auto reviews
Estil
Verified Purchase
Rip-off
They gave me one price, then tried to charge my card double.
Lance
Verified Purchase
Horrible Customer Service
They claimed I didn’t have medical insurance, even though I gave them a copy of my health insurance card. Now they’re saying they need more information, and in the meantime they raised my monthly rate by about $200.
Simone
Verified Review
Direct is trash
I would tell everyone to stay away from Direct. Who would have known their insurance would go up in price because you moved to a better area? Insurance feels like a scam, and if I had known the price would change unexpectedly, I would have looked elsewhere.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

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.

Pros
  • 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

Cons
  • 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
Details
4.6
Best choice in Rhode IslandBased on 1,845 verified driver reviews and ratings
Travelers's score
Industry average
Coverage options4.63.2
Customer service4.73.6
Discounts4.32.9
Policy transparency4.63.1
Value4.42.9
How drivers feel about Travelers

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.

Based on analysis of verified reviews collected by Insurify

Best in Rhode Island for
Numerous discounts
Gap insurance
Rideshare coverage
Showing recent national reviewsSee all 692 Travelers reviews
Jerry
Verified Review
Top Company
No issues so far, and I haven’t needed any services yet.
Greg
Verified Review
Disappointed with Their Process!
In my opinion, they were average. My claim took forever to resolve—about a month and a half—and I’m not really pleased with the outcome or the way it was handled. They didn’t really go out of their way to advise or accommodate me, and I felt like I was left in limbo most of the time. The accident was the other party’s fault, and they were found at fault. There was no real assistance from my insurance company to help resolve the issue. I made most of the phone calls and did most of the legwork. It left a bad taste in my mouth, which is why I’m shopping around.
Michael
Verified Review
They Are Overpriced Compared to Other Agencies Providing the Same Coverage
Overpriced compared to other agencies offering the same coverage.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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.

Pros
  • Multiple discounts for teens

  • Discount for EV and hybrid car owners

  • 109 local agent offices throughout Rhode Island

Cons
  • 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 expand/collapse

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.

Compare Rhode Island Car Insurance Quotes

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ProgressiveLiberty MutualAllstate

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:

  • illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/27a2e3602a/credit-and-loan-96x96-orange_033-discount.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/6a92eb6099/insurify-icons-auto-green-96x96_005-insurance.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/ba9869f2f9/defensive-driving.svg

    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

  1. U.S. Census Bureau. "Rhode Island Quick Facts."
  2. National Highway Traffic Safety Administration. "Early Estimate of Motor Vehicle Traffic Fatalities and Fatality Rate in 2025."
  3. Rhode Island State Legislature. "Rhode Island Senate Bill 3115."
  4. Government of Rhode Island. "Historical information."
  5. 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible
Lindsay VanSomeren
Writer: Lindsay VanSomerenInsurance and Personal Finance Writer

Qualifications:
  • 8 years in insurance and personal finance writing

  • Former data scientist for U.S. Geological Survey


Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

MacKenzie Korris
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Headshot of industry expert Daniel Roccato
Reviewer: Daniel RoccatoAdvisor

Qualifications:
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego


Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.